milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (AR).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX I was working in XXXX XXXX XXXX for XXXX XXXX. I was sent to XXXX XXXX, XXXX to work for 3 weeks. While there I visited the Wells Fargo Bank to obtain some information on my account. When I returned home, I found a credit card in my mail. It was a Wells Fargo credit card. I had not applied for the card, yet I received it anyway. I immediately called Wells Fargo and complained and had the card cancelled. My concern is that the CFPB complaint XXXX does not adequately cover all the affected consumers as that compliant only covers the time period from XX/XX/XXXX thru XX/XX/XXXX. I feel certain that the fraudulent practices were occurring long before XX/XX/XXXX. When I recently called Wells Fargo about the credit card I was told there was no record of it. Yet it appears on my credit report even as of XX/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 03/19/2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (GA).
Issue: Problems when you are unable to pay

Complaint: I have sent multiple letters asking for copies of proof of the legal notices and proof of the commercially reasonable manner of resale of a vehicle that American Credit Acceptance is claiming to be repossessed. The first letter was sent on XXXX XXXX, XXXX. This letter was sent certified mail return receipt and I have proof of delivery. This letter was received by XXXX XXXX XXXX XXXX, XXXX. This letter was asking for copies of proof of the legal notices and the commercially reasonable manner of resale of the vehicle in question. 

Under the laws of the State of Georgia UCC XXXX and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I asked American Credit Acceptance to provide proof within 14 days from the receipt of this notice or the claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

There was no response from this letter. I then sent a follow up letter on XXXX XXXX, XXXX reminding American Credit Acceptance that they have failed to respond to my letter to them in a timely manner, and requested that the remove their entry on my credit reports ( XXXX, XXXX, and XXXX ) within the next 14 days of receiving my letter. 

I believe my request were reasonable and American Credit Acceptance has failed to respond in a timely manner. This is a fraudulent claim by American Credit Acceptance on my credit reports and American Credit Acceptance is now in violation of both the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2017 about Debt collection (I do not know) with Midwest Recovery Systems (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a credit monitoring ale rt on  XXXX / XXXX /17 that an acco unt with Midwest Recovery Systems was added to my profile. I received no dunning letter from this company regarding the alleged debt. They gave me no opportunity to request debt validation as I have not had any sort of business relationship with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Credit card () with WELLS FARGO & COMPANY (MA).
Issue: Billing disputes

Complaint: I paid my credit card bill on the due date of XXXX/XXXX/2015 in the amount of {$210.00}, which Wells Fargo took out of my XXXX Checking account immediately overnight. The next thing I find out is that they put a XXXX day hold on my XXXX charge card, saying they never received the {$210.00} because my account was overdrawn. I have overdraft protection at XXXX and I paid the {$32.00} overdraft fee when Wells Fargo got their {$210.00} payment. XXXX faxed over a letter to Wells Fargo stating that they did get their {$210.00} payment, but Wells Fargo is refusing to believe them. They are still trying to tell me the payment has not cleared, even though they took the {$210.00} already.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have a child support claim dating back from XX/XX/XXXX.I am only XXXX, I was born in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Checking or savings account (Checking account) with U.S. BANCORP (MN).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: US Bank in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX  LOCKED my XXXX Pension Plan. XXXX  Electronic Deposit XXXX Pension Plan {$2500.00}.
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Please investigate as the sane " HOLD PATTERN '' has developed involving our Bank account and our daughters separate Bank account ( XXXX XXXX ) at the US Bank in XXXX XXXX Wi.
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Problem : We treated our family to Dinner at XXXX XXXX my Visa Card and My Wife 's Visa Card were DECLINED! We called the US Bank Main Headquarters and they said that they could n't HELP us at that time ... needless to say we were embarrassed while waiters, waitresses circled us and customers ogled us until we figured out a way to pay the bill in cash!!.
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We talked to the US Bank Manager on XXXX XXXX ... she said something to the effect, " it was on hold for a short time like ... no big deal '' [ A very SUPERIOR acting Person and Arrogant at the same time ] It is a Big Deal ... We trust the Bank to be professional when we trust them with our hard earned money ... we do n't trust US Bank anymore!! USB needs a better training training program on handling money and interacting with customers!! ... FINANCIAL MISTAKES are unacceptable.
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It makes me wonder if US Bank is a little short on cash??
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My wife and I are both XXXX and Elderly ... now we 'll have to travel an extra 20 Miles to do business at a more friendly US Bank .... is this, " Financial Elder Abuse or Racial Abuse ''.??
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Strike out racial abuse from comment. I was very upset at the time and didnt mean to say that.

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 03/21/2016 about Bank account or service (Other bank product/service) with FIRST NIAGARA FINANCIAL GROUP, INC. (CT).
Issue: Account opening, closing, or management

Complaint: I opened up a money market account at First Niagara Bank in XXXX XXXX CT on XXXX/XXXX/2016. I was told that the APY interest rate was 1.01 % based on the advertisement in the XXXX XXXX as well as a verbal discussion. There was no mention that the rate was related to compounding and this was confirmed verbally with the bank officer. And that taking out the interest monthly would not affect the rate that I was to receive. After 33 days of " interest '', from XX/XX/XXXX to XX/XX/XXXX, I received not XXXX of 1.01 % but rather XXXX of 0.81 % and my printed statement says that my APY is now 0.81 % not the 1.01 % I was expecting. 
The interest I received was XXXX % LESS that I was expecting. The difference in the amount of money is not very much but First Niagara, in my opinion, lied to me with false advertisements and false verbal discussions, apparently to get me to put my money into a seemingly high interest money market account. Multiply this by XXXX customers and XXXX dollars and the amount of money they defrauded consumers could be very substantial. In my opinion, First Niagara deceived me and its customers and violated honest banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech Financial LLC took over our mortgage from Greentree Servicing. We fell behind on our mortgage last year and applied for a modification. We were behind in our mortgage {$3000.00}, and were applying to reduce our payments. The modification we were presented reduced our mortgage by {$60.00} per month, but Ditech added {$51000.00} to the principal. We agreed because we did not want to lose the house, a poor decision on our part, and are now falling behind again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Checking or savings account (Checking account) with KEYCORP (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I deposited XXXX cash into my account. The ATM took the money and then the screen read that it could n't handle my transaction at that time. I did not receive a receipt nor did it return my cash.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Original creditor is previous landlord ( XXXX XXXX XXXX in XXXX, TX/XXXX XXXX in XXXX, TX ) - has charged us for excessive/fraudulent move out fees ( Deceptive Trade Practice ). We have disputed several times. Account was forwarded to collections agency ResidentCollect. Again, disputed and requested validation via Certified mail within 30 days. ResidentCollect reported to all credit bureaus on XXXX day before legally validating per FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NISSAN MOTOR ACCEPTANCE CORPORATION (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: my car was repossessed while i was in forbearance with nissan motor acceptance. this should not have happened the car was almost paid off the loan amount was orginally for XXXX and i paid it down to XX/XX/XXXX ( XXXX payments left ). i lost my job while XXXX and notified nissan immediately. no repossession fees and interest fees from XX/XX/XXXX have been added and are in collection on my credit report as if its a new debt. this isnt owed and it is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company stopped escrow without consent. It is clearly written in my contract. I have been working for a over month to have my taxes paid. This will be added now to my monthly mortgage payment. They guaranteed my taxes will be paid but still are pending. I have made several calls with no resolution. I am told it is being worked on by the tax department through the mortgage company. I do not get call backs even though I have asked to be called. I ask what I can do to help resolve this issue. I am told there is nothing more I can do. I have contacted my local tax collector and they have also sent the delinquent tax information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Deposits and withdrawals

Complaint: I made several purchases using my debit card. These were listed under my pending/on hold transactions. A couple days later, I had emergency brake work done on my car. This was after my other withdrawals. The brake work caused a slight overdraft ( which I expected ). A couple days later, I received overdraft charges on my account for XXXX items totalling 210.00 ( approx. XXXX of my paycheck ). These were all caused by the minor charges I had made previous to the brake work. In fact, the brake work was finally deducted four days after. I contacted customer service and asked for a supervisor. I spoke to a supervisor named XXXX who insisted that there was nothing he would do to help and basically insulted my intelligence. I was told that even though those charges were made previous to the large charge which caused this, that they were posted after the charge ( and while it in itself was still on hold and pending ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-08-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was told my credit card account was sold to XXXX XXXX XXXX. I called them at XXXX. After speaking with XXXX XXXX, XXXX XXXX, and supervisor XXXX XXXX. I was told I was being represented by an attorney, which I am not, nor have I ever been. I attempted to set up payment arraignments, but was refused. Due to the three representatives refusing payment do I consider the debt forgiven? If there is monies owed why would they refuse settlement or payment?

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid mortgage to Everbank ( Everhome Mortgage ) and money for Flood insurance, although my home is not included in the sinking area. I asked the company to remove payment for Flood Insurance with me this payment as it was burdensome for my family budget. Because of this, I 'm too used my credit cards for ordinary routine payments. Now Everhome Mortgage decided that my house does not need insurance. However, I would like to ask for the money back, for all the time that I was paying this insurance against my will, if it is technically possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Mortgage (Conventional fixed mortgage) with GATEWAY MORTGAGE GROUP, LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2016 Gateway Mortgage sent an escrow disbursement to my homeowners insurance company. On XX/XX/2016 thee check was returned by the bank which meant my homeowners insurance was n't paid. I got a notice from the insurance company about this which said the payment was due on XX/XX/2016 and they never received a payment. I got in touch with the mortgage rep who emailed the escrow dept and I guess they sent another check by regular mail which means the insurance had not gotten it on XX/XX/2016. Nobody ever offered any kind of explanation for what happened. If my insurance agent had not called them we would have never know they even mailed another check late. I had more than enough money in my account to cover the check. I think they owe me some answers for this, for which they refuse to give. They wo n't even say I 'm sorry. If you call and ask for a supervisor they will just tell you they are all in meeting.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Advertising and marketing

Complaint: While reviewing my XXXX Credit Report, I was reviewing credit " record of requests ''. Much to my surprise, Capital One - XXXX XXXX XXXX XXXX XXXX XXXX, Utah, XXXX, has apparently been recording hard inquiries on my credit to the tune of XXXX times since XXXX 2015. When bringing this to the attention of Capital One, one representative disconnected the call after 15 minutes of being on hold. After a second call, I got to a completely different call center where the individual was extremely rude, implied that I was wrong and said that they would n't do anything without the original copy being sent to them from XXXX. This is way too many inquiries, with XXXX of the XXXX happening within the last five months. I have not asked Capital One for information, nor do I want them to continue to inquire on my credit, or receive offers for their credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX, I booked a bus ticket for XX/XX/XXXX with XXXX from XXXX, PA to XXXX, PA via their website XXXX using my Bank of America debit card. I am a frequent traveler on XXXX and I always received an immediate confirmation via email. However, I used to always pay via credit card but this time I paid via debit card and I did n't receive an email confirmation. XXXX website has no option to chat online or send emails regarding this particular issue. They do have online contact options for other issues but none for payment related. So I called the number listed on their website XXXX and spoke to a customer service rep about XXXX XXXX  on XX/XX/XXXX. He said he could n't do anything about it and connected me to another department saying they could resolve the issue. It was an IVR ( Interactive Voice Recording ) and it basically said no one is available at that time. Since my bus was for the next day, I bought the ticket again using my credit card and this time got a confirmation email immediately. In the next couple of days I called the XXXX number about 3 times only to get the IVR and I realized that this issue was going no where. So I raised a dispute with Bank of America onXX/XX/XXXX. Its Claim ID is XXXX. On XX/XX/XXXX,  Bank of America resolved the claim in the merchant 's favor and closed my claim. I am attaching 3 documents : ( 1 ) Bank of America transaction stating that the amount for XXXX was debited onXX/XX/XXXX even though booking was done on XX/XX/XXXX. This proves that the transaction never went through for 2 days and was successful after the travel date of XX/XX/XXXX. ( 2 ) XXXX credit card statement showing the amount for XXXX was credited onXX/XX/XXXX ( this is the 2nd time I had to buy the ticket since I did n't receive confirmation from the debit card purchase ). ( 3 ) Email confirmation from XXXX who process the payments for XXXX on XX/XX/XXXX XXXX XXXX for the payment done via credit card. Never got an email from XXXX or XXXX for the debit card purchase.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: My XXXX husband used my account without my approval and it was never sent to me in the mail until after the divorce so it was not part of the XXXX settlement. I have attempted several times to contact both the credit bureau and Amazon store card and neither will knowledge this.

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 05/22/2015 about Credit card () with PAYPAL HOLDINGS INC. (WI).
Issue: Unsolicited issuance of credit card

Complaint: sooooooo happy payal is finally going to get what they deserve. Basically they need more checks and balances. I thouht i was paying for a product with my own card but somehow was setup as a paypal account. I had to close it as they kept charging late fees and not honoring at all the postage date. I just made my last payment last week and I could n't be more thrilled to be done with them. Please please please becareful if you are purchasing something that site is linked to pay pal, they will somehow get you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX XXXX account being reported on my credit report has been settled and there is a XXXX balance. My experian report is not reflecting as such. I am in the process of buying a house and this discrepancy came up. I demand full deletion immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: STELLAR RECOVERY/XXXX has consistently troubled me over a debt of reported {$860.00} that I do not owe or have any prior knowledge of, as I 've never had any contract communications account with XXXX before. Their deliberate infusion of this account on my credit profile is impeding on my ability to currently obtain any credit. 

STELLAR RECOVERY must delete erroneous information from my credit report with deliberate speed. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation