milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-10-2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with WELLS FARGO & COMPANY (CA).
Issue: Fraud or scam

Complaint: On  XXXX / XXXX / XXXX  - I was the victim of an internet scam. The fraudsters convinced me to issue a cashiers check for {$9000.00} and put it in the mail. The check would take 4 days to arrive in  HI. My friend came to my home and I discussed the matter with him and realized that it was a scam. We immediately called Wells Fargo fra ud department to stop the cashiers check after submitting all requested information we were given a case number. We then went to the  XXXX  CA branch and spoke with  XXXX   XXXX . We presented him with the stub from the cashiers check, explained what happened. He called the fraud department, closed the checking and savings accounts, blocked online access, and assured my boyfriend and myself that a hard stop had been placed on the cashiers check and that the fraudulently stolen funds would be returned in about a week.  XXXX  asked me to come in the next morning to open new accounts. I came in the next morning, opened new accounts.  XXXX  assured me that everything was safe and that the {$9000.00} would be transferred to my new account. Note - A police report was called in to  XXXX  PD since that was the location where the check was sent.     On  XXXX / XXXX / XXXX  I called the claims assistance center to follow up on the status of the {$9000.00} going back to my account. They said a form was missing and that they would mail it. I did not want to wait so I went back to the  XXXX   XXXX  and spoke with  XXXX   XXXX . He called the claims center, and they did not know what form he needed, so they would call back. In the meantime, the claim was closed. On  XXXX / XXXX / XXXX  with the stress from this situation I went into the hospital with  XXXX   XXXX  and was kept   XXXX   XXXX   XXXX  . I was released Sunday night.     As it turns out  XXXX  at the  XXXX   XXXX  failed to have us fill out the correct fraud paperwork for a cashiers check to create the bond to protect us from the loss. In addition, on  XXXX , the  XXXX  branch refused to accept the affidavit of check fraud that was requested by the fraud department. The check was cashed when  XXXX  had assured us that a hard stop had been placed on the check 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 10/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We submitted a Qualified Written Request to Wells Fargo on the First and HELOC to provide a copy of the promissory note in its current form with all allonges and the name of the true lien holders, and they have twice refused to comply. More then 3 months have passed since the last request and they keep delaying although the law requires them to comply within 10 business days. 
Compel them to comply, or reconvey the note. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX 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 explanation
Consumer complaint received 01/19/2018 about Money transfer, virtual currency, or money service (International money transfer) with TransferWise Ltd (NY).
Issue: Unexpected or other fees

Complaint: I needed to send Euro XXXX to a hotel in XXXX that did not accept credit cards. 
Before sending the money, I carefully researched the alternative methods of sending the money and determined that Transferwise was cheapest. 

When I made the payment, I was offered the choice of having the money charged to my bank or credit card account.I was told that there was a small additional charge for using my credit card. I thought it worth it to earn air miles. At no time was I warned that my credit card might levy additional fees. I find I have been charged an additional {$22.00} cash advance fee by my credit card.

I called my credit card. They say that they are entitled to do this under my credit card agreement. This seems likely correct. The Transferwise case is XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-01-2015 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Billing disputes

Complaint: I purchased an item from the clothing retailer XXXX XXXX on XXXX/XXXX/2015 with funds from Paypal credit 's Bill Me Later. The item was returned to XXXX XXXX on XXXX/XXXX/2015 and XXXX XXXX issued a refund credit for the full amount of {$570.00} on XXXX/XXXX/2015. 

Since then, Paypal Credit has not posted the refund to my account and I still owe them money. I have faxed in proof of return numerous times, sent emails of screenshots indicating that this item was returned, and have spent countless hours on the phone yielding no results. At this point, I will have to start paying the charge and I find it to be ludicrous to have to begin payments on something that I returned 3 months ago which has been acknowledged by the retailer.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Debt collection (Payday loan debt) with Pono Ventures Inc. (HI).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Harassment at my workplace ' telling my employer it 's a urgent matter. Collector come to my place of work. Not introducing who they are and who they work for. Leaving a phone number to call immediately. They said they work for XXXX XXXX court and court Summons me. Telling me that ' they will come to my house so I can receive the court letter. And no one will be able to receive it but me.This is the first time they had contact with me and a lot of harassment happen. I almost got fired my work. 
First contact XXXX haole lady went to my workplace in the morning Second contact XXXX/XXXX/XXXX a man pretending to work for state court XXXX pm Third contact XXXX/XXXX/XXXX harassing me to pay the debt ' without me looking to such matter. 
Too much for one day '

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Consumer Loan (Installment loan) with Credit Karma, Inc. (WA).
Issue: Shopping for a loan or lease

Complaint: I recently signed up with " Credit Karma '' to get my " Free Credit Score ''. I was initially happy with what their service had to offer and was pleased to find that they make their money by recommending various loans and credit cards and are paid by those lenders as opposed to charging me a fee for their service. 
As it turns out, they said my credit score was " 614 '' ( very low ) and I then recieved multiple recommendations for loans and credit cards based on that very low score, all of which carried very high interest rates in the range of 23 % to 31 %. The low credit scores they showed that I had, made me reluctant to go to my local credit union for fear of them laughing me out of their office! But I prepared myself for a little embarrassment and went in anyway. Well, to my surprise they ( credit union ) said that my credit score was over XXXX points higher at XXXX and I was able to get a personal loan at only 7.99 %!!! So the bottom line is that since they ( Credit Karma ) get paid by the lenders for recommending a particular loan, it makes me wonder if they are fraudulently quoting lower credit scores to their customers to gain a better payout for themselves.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: GMAC is reporting incorrectly XXXX mortgage late payments on XX/XX/XXXX & XX/XX/XXXX. I made those payments on time via XXXX, XXXX XXXX XXXX on line payment system did n't work so the payments delivered but were posted late. XXXX XXXX XXXX, corrected the problem and deliver the funds to GMAC, but they were posted as late payments, even thought it was not my fault at all. They can check my record and I have a perfect record payment thru the day I payoff this mortgage XX/XX/XXXX. I am applying for a Mortgage and this issue is affecting my credit. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have trying to callall three reporting agencies and i the recording line to deputes some incorrect information information. 

XXXX XXXX XXXX XXXX XXXX I never received a bill and they sent me to the Collection agency i had called to day and make a payment. 
XXXX cl REV App This one they sent the bill to the previous address. How ever the account has XXXX balance when they called me I pay the amount i own. 
XXXX XXXX open App. 
I did talked to a lady at XXXX she is going to send you a letter saying that is paying in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Upon being denied from a lender for too many inquiries from   XXXX   report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Equifax credit report that I DID NOT authorize and had no knowledge of. I contacted Equifax immediately and was given no relief. I also have a fraud alert already in place which should avoid any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     1.   XXXX   date   XXXX   2.   XXXX   XXXX   XXXX   XXXX   date   XXXX   3.   XXXX   XXXX   XXXX  date  XXXX   4.   XXXX  date  XXXX   5.   XXXX   date   XXXX  6.  XXXX  date  XXXX  7.  XXXX   XXXX  date  XXXX  8.  XXXX   XXXX   XXXX   XXXX  date  XXXX  9.  XXXX   XXXX   XXXX   XXXX   XXXX  date  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: After  XXXX   XXXX   XXXX  I was arranging a Short Sale with the Lender,   XXXX   XXXX   XXXX   XXXX , and a predatory lawyer tried to foreclose on my property.   To forestall this I filed a " Rumor Of Bankruptcy '' Chapter  XXXX  in  XXXX / XXXX / XXXX  and it was subsequently Dismissed on  XXXX / XXXX / XXXX .   It happened again in  XXXX / XXXX / XXXX  and I filed another " Rumor of Bankruptcy '' Chapter  XXXX  and it was Dismissed on  XXXX / XXXX / XXXX  Although I did not actually go into Bankruptcy these items were reported as " Derogatory Items '' on my  XXXX  Credit Reports and classified me as Bankrupt and my Credit Scores became very low.   I wrote to the Credit Bureaus and they stated that they were reporting information found on the  XXXX  public records.   I then wrote to th e CEO 's  of the  XXXX  Bureaus on  XXXX   XXXX   XXXX  and complained about this case. Nothing happened. No one will talk to me about this matter.   Thus the filing of  a Legal Document, subse quently Dismissed is mis-classified as though it actually went through to fruition.   ( I think this is due to the fact that the Bureaus do not want to go to the trouble of investigating which filings actually resulted in Bankruptcy ) I do not wish to have my credit ruined because nothing actually happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HUNTINGTON NATIONAL BANK, THE (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I opened a Loan with Huntington National Bank X/XX/2006 for a used XXXX Paid in full never late and it reports to XXXX and XXXX XXXX  but XXXX removed it along with other positive items from my credit report only to report negative collection items with around XXXX inquiries due to identity theft. According to the FCRA the Huntington National Bank Auto loan needs to be reporting and the collection medical bills along with the inquiries need to be blocked since I filed an Identity Theft report and my file is being improperly handled by XXXX office of consumer affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have a collections account on my Equifax credit report that is incorrect. I disputed an account back in XXXX of 2016 ; from a company by the name of XXXX XXXX XXXX XXXX XXXX XXXX The account was removed on XXXX XXXX, 2016 because the company failed to verify the account or provide any contracts that I may have signed with them ; because I do not have a contract or agreement with XXXX XXXX XXXX, XXXX The account has since been added back to my Equifax report. According to state and federal laws and my rights as a consumer ; I am supposed to be notified within 5 days of the account being reinserted onto my Equifax report. I was not. I was also never given proof of a " verified '' account or contract that I signed with XXXX XXXX XXXX, XXXX Aside from all of the above, the statue of limitations are up on the account for the state of Arkansas and reporting to credit agencies. To go even farther, they are not authorized in my state. This situation is preventing me from being a productive citizen. It makes me look unstable and it is unfair credit reporting of an account that does not belong to me. I would like this item removed from my credit as soon as possible and all information pertaining to me be deleted between myself and the company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Bank account or service (Savings account) with KEYCORP (MI).
Issue: Problems caused by my funds being low

Complaint: I had negative balance in my key bank account .When I saw this I contacted key bank customer service and the person I spoke with had in touch supervision and confirmed me that all the minis balance ( total {$62.00} ) will be waived from my account mi waited for another few days and checked if it 's saved but seeing it 's not been waived I contacted again then they promised that my request has been to somewhere to get it sanctioned that 's why it takes time and also made sure that I could even go to the local branch to get it waved, I do n't need to explain everything will be there in system.i thought OK and was busy with other stuff, checking my account today I was shocked to see that not only my previous balance was not waved but also there was a new reccuring overdraft fee added to the account totalling {$91.00}. I called customer service and now they say they have nothing in the system and do n't know anything about my previous calls.i am totally helpless, they are being money looters and I can not let it go like this.Expecting help to resolve this issue.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted ARS numerous times asking for signed proof this charge belongs to me. They have never sent me anything showing proof. This charge is not mine and I would like it removed at once from my credit report. They can not provide me with any original paper work, signatures or ID copies.

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 03/31/2016 about Consumer Loan (Installment loan) with GC Services Limited Partnership (MO).
Issue: Managing the loan or lease

Complaint: My expense account was not paid from my organization. XXXX XXXX referred the account to GC services XXXX. At approximately XXXX XXXX XXXX called my cell and left a voicemail. At XXXX, my husband called and told me he spoke with XXXX XXXX and she disclosed that there was an outstanding debt. 
This is in direct violation of the FDCPA ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a pos tjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: the refuse to continue to investigate my dispute. I have requested them to provide me with the individual who validated or denied my request along with evidence to support my dispute. I have attached a copy of the last letter I sent with todays date on it. 

In addition my middle name is incorrect on my 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 12-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AZ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Cancellation benefit not as advertised. Matter of fact, judging from the response to the claim, no claim will be honored. Thus the " benefit '' is a scam and a perfect example of false advertising. My complaint is, according to this letter and an e-mail from the insurance companies general council 's office, there will rarely, or ever, be a claim that is covered. Therefore, my complaint that the benefit is a scam still stands and is unanswered. The public should not be subject to this type of hyperbolic scam. False advertising is also apparent.

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 09-07-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: CFPB had closed a case based upon their review of a mortgage companies reply to my complaint. XXXX # XXXX. I do n't see why the case was closed without my response to their reasoning

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 06/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I was charged {$740.00} on X/XX/17 by XXXX XXXX for a reservation that was not authorized by me. I was the passenger for the reservation, but the purchase was made and authorized by a 3rd party, using the 3rd party 's credit card information. XXXX did not credit my charge card after I disputed it with Chase ( credit card company ) stating that becuase I used the ticket and my phone # and email address were associated with the reservation that I must have authroized the purchase to my credit card. That is NOT the case. The 3rd party provided their credit card information ( including billing address ) via phone for the reservation and mistakenly I WAS BILLED. I can not reach the 3rd party at this time, but that is not relevant. XXXX XXXX provided documentation to Chase in response to my dispute showing the WRONG BILLING ADDRESS in the transaction, so therefore I did not authorize the charge, since the billing address associated with the charge is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Money transfer, virtual currency, or money service (Virtual currency) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Money was not available when promised

Complaint: I need Bank of America to update and refresh my direct deposits frequently so i could be able to take out money from XXXX XXXX XXXX when promised.

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