milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I deposited {$160.00} to my Wells Fargo account on XXXX XXXX to find out months later that my money was n't found. Also my account was closed. I had an amount of {$4000.00} in my account along with me depositing the {$160.00} on XXXX XXXX XXXX. I went into the back and talk to several customer reps and I was told it was nothing they could do. I watched Wells Fargo take money out of my account put it back in and repeat this method for a few months. I did n't mention anything to them because I did n't want to see crazy but my money was removed from my account, deposited into another account, I showed them the receipt but there was nothing done about it. They took one receipt from me that showed my balance of {$4000.00} but I was once again given nothing back. My account is closed now and it was n't my fault. Also my account had several unauthorized transactions but Wells Fargo reversed them and took the money away from my account. Now I 'm frustrated my phone is off I have no funds to pay any of my bills and I want all my money back and I do n't want to deal with Wells Fargo ever again and please find a way to mail me my funds or a check. to my address associated with the account every single penny.

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 07-04-2017 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: I have requested the below-listed problems be fixed several times. The  Credit agencies and letters and telephone calls in vein to the Company reporting the trademarks in error. Every trademark being reported has errors listed, Th e most serious, is  XXXX , and   XXXX   XXXX   XXXX    XXXX . They are reported as being in collections, payment status is still listed incorrectly today. The Trademarks have been paid in settlement and paid in full,  XXXX /2015, respectively . See Attched  documents : There are  XXXX  more Trademarks with issues listed on each Credit report.   XXXX   ENCL 1 : Disputed items ENCL 2 : Copy of how I want item fixed ENCL 3 : Le tter, Payment etc. Bach-up documents for my claim

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have 3 student loan accounts with XXXX XXXX XXXX, 2 student loans that were apparently transferred to XXXX XXXX XXXX XXXX an 1 transferred to XXXX XXXX. That are all paid and closed. But they are showing late payments on the accounts after they were paid and closed on XXXX 2015. Also the time that the loans were showing late they were in Forbearance with the companies. Ive made several attempts to correct this issue when the accounts were open and even when they closed. The late payments and collections status are really affecting my credit reports on all my reports. I am left with no choice but to contact you for assistance with this matter.

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 07/27/2017 about Payday loan, title loan, or personal loan (Installment loan) with Prosper Marketplace, Inc. (IL).
Issue: Getting the loan

Complaint: I received an e-mail on XXXX/XXXX/2017 with an actual loan approval contract indicating that I was approved for an {$8000.00} loan with Prosper. I called the number on the contract and I was told that I had been approved and that they needed more information before the monies would be deposited in my bank account. I was hesitant because I had been denied by various other lenders for a loan because of poor credit. The number that I called was the number that was on the loan agreement.. ( XXXX ) XXXX. They told me that they were based in Florida and that the Corporate headquarters was in XXXX XXXX. I told them that I would get back to them and that I had not made the decision to accept the loan at that time. I went on the internet and looked at the Prosper website. On the website Prosper had XXXX number not a XXXX number and I called the XXXX number. Prosper told me that they had not approved me for a loan and that most likely this was fraudulent. I told Prosper that their Company name was being used to create fake loans obviously. As it stands, I have not signed the contract. The folks at the XXXX call my number 5-6 times a day and leaving messages. They are constantly harassing me. I have attached a copy of the loan agreement from them

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Bank account or service (Savings account) with CITIBANK, N.A. (CA).
Issue: Deposits and withdrawals

Complaint: My Bank transferred funds from XXXX account to another without my authorization. 
My Bank transferred funds from my saving to my checking. Can a Bank do that, especially when they offered " overdrawn protection '' and I declined!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Citi Mortgage reported my mortgage payments late to the credit bureaus while I was making my trial payments after I was told they would n't. Here are the late payment payments I am disputing and I also I have my bank statements showing when the drafts took place if needed as evidence. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I called there client support on several occasions kindly request a correction but never received a resolution on getting my late payment removed.

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 04/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XX/XX/XXXX , Unauthorized ACH of {$7300.00} on my organisation 's checking account. Reported unathorised ACH to Bank  of America  in   XXXX   XXXX   Faxed an unauthorised ACH form to Bank  of America i n   XXXX   XXXX  . A notarized letter ( signed by the signatories to the account ) was sent to Bank  of America o n  XX/XX/XXXX . Bank  of America  has not refunded the unathorised withdrawal.

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 02-01-2017 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (NV).
Issue: Application, originator, mortgage broker

Complaint: I applied for a HELOC with US Bank roughly 5 months ago. During this time I have provided all requested documents and information for the application. I have been given the run-around for months and told almost monthly I 'd get some kind of update. I have received no credit decision even after all this time.

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 08/17/2017 about Debt collection (Credit card debt) with Midwest Recovery Systems (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Midwest Recovery is representing XXXX XXXX and XXXX XXXX. These items are already listed on my credit report as the past due debt from XX/XX/XXXX. Midwest Recovery is submitted these debts as current past due debts for XXXX from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX to current day. I do n't think these reports should be on my credit report as current past due bills.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On  XXXX / XXXX / 2017 ,  CHASE CARD i nquired into my various credit files without my authorization or knowledge. They subsequently contacted me and advised me that a fraudulent application had been submitted in my name, they caught it in time, and were deleting their various inquiries " promptly. '' It is now  XXXX  and the fraudulent inquiries remain despite numerous calls to them and assurances in turn that this would be done. Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: i sent a certified letter to XXXX XXXX disputing the chargeoff and lates and they responded back to me in a letter stating they DO NOT have any info on me becuase they sold the old account. i sent a copy of the letter and disputing to equifax to delete this account because they can not verify it. equifax ignored the letter and stated it was verified, i asked about how they verified it, they said through electronicly. i told them i wanted it to be removed for they can not report info on me if they dont have it. they claimed they can not do that and they are referring me back to XXXX XXXX. THEY keep passing the buck back in forth. I WANT THIS INACCURATE UNVERIFIABLE info off my credit report PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (PA).
Issue: Account opening, closing, or management

Complaint: I signed up for the Citigold promotion and fulfilled all requirements and contacted Citibank multiple times to make sure that I had followed all the steps. I had paid {$90.00} for a checking account and now am being stonewalled when I ask for them to honor the terms. They state that the terms were only for targeted members but the terms and conditions that I have saved as a pdf say no such thing. I also had multiple missives from Citi stating that I would receive this bonus at the end of 3 bank cycles.

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 03/23/2017 about Credit card () with CITIBANK, N.A. (SC).
Issue: Other fee

Complaint: Macy 's is charging a minimum interest even though there is no balance on the account at the time the interest is charged. I was told I need to make a payment on the interest charge while there was a XXXX balance I made a payment of XXXX ( XX/XX/XXXX ). I was assured by the rep that that would bring my account to XXXX and there would be no late fees/charges. A month ( XX/XX/XXXX ) later I was charged another {$2.00} which I didnt know about because I did n't check my account since I wasnt carrying a balance. I made a purchase in XX/XX/XXXX and went online to pay off my account. Found out there was a late fee and another XXXX interest for XX/XX/XXXX. This is ridiculous and beyond frustrating. The customer service rep I spoke to could not provide a convincing argument but removed the charges. Shame on you Macy 's. I am closing my account after 10 years of being a cardholder.

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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I attended XXXX XXXX University in XXXX XXXX, XXXX. To fund my education, I received XXXX loans through Sallie Mae ( later XXXX ). Over the course of my loan payback period following graduation, I attempted to make extra payments toward the principal of the loan. Each time, the additional amount paid would be applied toward the interest, or the following month 's payment. After several calls and emails with their customer service department, I was told I would need to submit my payments by check, with a hard copy of a signed letter ( each month ), directing the additional funds be applied toward the principal. Each month. With each payment. For several months I did exactly this, sending a physical check and signed hard copy of my request with my payment through USPS. The payments were never applied correctly ( not once ) but still were applied to the following month 's balance due. After a while, I just gave up and settled in for the life of the loan paying only the minimum due because I did n't have the time or resources to send a hard copy letter and check each month. I have email correspondence between myself and Sallie Mae to support everything I have stated here ( email exchange attached, as well as letter I had to send with my payment month - still unsuccessfully applying additional payments ).

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (MO).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, I opened a secured credit card with 5/3 Bank with a {$500.00} limit. I lost my job. I paid the {$70.00} of interest, and they closed the account and took {$500.00}. We closed the account. It is still showing as open on all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Advised me that as long as I set up payment plan with them they would not report to credit bureau. As soon as I started payment they reported it to my credit. Then I called and they said when I finished payment they would remove it. Then they said they never said any of that. Then they refused to provide me with the transcripts or recordings after I repeatedly asked. Then said again they would remove from my credit report and did n't. Refused to provide me with my communication with them. They also called me after I paid saying I still owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have accounts reporting on my credit report that I did n't do or get. My name is very common and the local police department explained that the best route would be to call the bureaus and another government agency I think this one but it was called something else. I have a judgement for an auto? and child support? very frustrated with myself for not keeping up with this stuff.. did n't think i had to. I 've sent the bureaus dispute letters but there has n't been any real traction. This is affecting my personal life and the more time that passes the more XXXX i 'm getting. I have followed the specific instructions on the website showing what to do and i uploaded it. I can give you letters sent and receipts.

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 02/13/2016 about Credit card () with TD BANK US HOLDING COMPANY (MT).
Issue: Billing statement

Complaint: We ( XXXX and XXXX XXXX have a Target Red Card, which we pay off each month, usually paid via auto-pay. Our XXXX/XXXX/XXXX statement ( attached ), disclosed a {$540.00} auto pay due XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX made a return of {$42.00}, reducing the balance to {$500.00}. I did not trust the auto pay function to only deduct {$500.00} ( I 've had trouble with it before when returns have been made ), so I logged in XXXX, set up a one-time payment of {$500.00} to occur XXXX/XXXX/XXXX, and turned off auto pay ( so I thought ). 
On XXXX/XXXX/XXXX, the one-time payment of {$500.00} deducted ( as authorized ), but an auto-payment of {$240.00} ALSO was deducted! This amount was for ALL charges NOT YET BILLED on the statement that did n't drop until XXXX/XXXX/XXXX ( also attached ). In short, Target auto deducted charges which had not yet been billed, thereby denying us a minimum 21 day grace period before the due date. This auto deduction was entirely a surprise, and caused a real pinch in our finances. Thankfully, we had funds to cover it, otherwise an overdraft would have occurred. 
All correspondence with Target ( which occurred through their " contact us '' feature on the website ) is attached. They do not understand that they took immediate payment without having first billed us for the purchases, causing us to have no grace period before payment was due! This is in violation of the CCARD Act of XX/XX/XXXX, the the Federal TILA, as well as being an unfair practice under UDAAP. 
Even if I erred in turning off the auto payment properly, there is no way it should have deducted charges that had not been billed ( and in fact, had just posted that very same day XXXX/XXXX/XXXX )! Target 's auto pay function caused us harm we could not avoid, and I imagine the same thing has occurred to other consumers too.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (WI).
Issue: Other transaction problem

Complaint: Six months ago, around XX/XX/XXXX and XX/XX/XXXX my PayPal account was hacked. The person managed to hack another person to send money to my account and get the money. Since then my paypal account was negative for a period of time till I got calls about the money being owed and eventually got a letter from collections. I tried to contact paypal multiple times to tell them that it wasnt me and that I was hacked. Im hard of XXXX  and have XXXX, so I have problems with communicating with people in real life and sometimes go online to chat and without realizing it I give my personal info by accident. I wrote a letter explaining this to PayPal but I got a letter again dated XX/XX/XXXX saying I had to pay {$1700.00} but they will settle for {$1200.00}. I can not afford to pay this, especially for something that wasnt my fault at all. PayPal is more trouble than its worth and needs to be flagged. They take advantage of a lot of people. I already have credit isssues and Im in the process of trying to fix it but this makes it worse. Please tell me something can be done, I dont know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I disputed 2 collection with the 3 credit bureaus and also sent a debt verification letter to Cavalry. They responded by sending me one statement showing 1 statement for XXXX XXXX, reference # XXXX, but did n't send the original terms I entered into an agreement in XX/XX/XXXX. I specifically asked for the same terms for the other account they are trying to collect on which is XXXX XXXX XXXX  reference # XXXX which I never got a response from after my first debt validation letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/31/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Billing disputes

Complaint: yes on my moms credit card om not very happy the way XXXX XXXX forced me into a XXXX monthly ayment plan???? first of all.they wanted me too keep aying the XXXX monthly payment untill few billing cycles till i get the XXXX too take affect????? i could not afford the XXXX a month???? thats why wefell behind on bill????? i really wanted XXXX a month plan??? but they would not accept XXXX a month plan??? was forced into a XXXX a month plan???? like too talked too whos in charge like a top supervisor instead of the lower people on this mattar????? want main supervisor too help on this mattarrr???? going thru hardship now.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been requesting verification of the following account that 's being reported on my credit report by Equifax, Bankruptcy # XXXX. Equifax listed XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Georgia XXXX as the source of their verification on XX/XX/XXXX. 
I called XXXX using the number listed on my credit report via Equifax at XXXX and spoke with XXXX, agent ID # XXXX and she assured me a security freeze was placed on my file as of XX/XX/XXXX and such verification was not possible. She also did some research and confirmed that there was NO inquiry from Equifax or mode of verification from XXXX to Equifax showing on my XXXX credit file. Furthermore, XXXX XXXX NOT verify the information that Equifax shows as reported on XX/XX/XXXX. 
I 've contacted Equifax since but they 've refused to investigate. If Equifax can not verify the account when investigated, it must be removed. Therefore, I demand that this public record Bankruptcy # XXXX be removed from my credit report due to lack of verification and inaccurate reporting of verification date! 
Keep in mind that the XXXX agent has confirmed that Equifax 's so-called " verification '' on XX/XX/XXXX did not take place. It was not reported by them because my credit file had a security freeze on it that date and so forth. XXXX do not disclose information on files that have security freezes in place. 
I have disputed this account and repeatedly requested proper verification as well as documentation but Equifax has failed to provide me with any. What I get instead is XXXX address and false records stating " account is verified ''. Again, I demand that the unverified account : Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT REPORT DUE TO LACK OF VERIFICATION AND INACCURATE REPORTING OF VERIFICATION DATE.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Credit card) with Lustig, Glaser & Wilson, P.C. (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: the law firm of lustig, glaser and wilson have been repeatedly calling my in- [ aws. I called and emailed them and gave them my number which they still have not called. Now, I am XXXX

Company response to consumer: Closed with explanation