milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/24/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: We opened an account several years ago with Wachovia called Crown Classic Banking, later they were bought out by Wells Fargo and our account was moved with them. This account for us was a dormant account since we only planned to use it in the case of a medical emergency. Wells Fargo agreed to the same fees and terms of our agreement with Wachovia which were that we suppose to maintain a minimum balance of {$1000.00}, which later changed to {$1500.00} but since we had more money there than that, we continue with the account. We transferred a large IRA Account and small IRA 's CD, and without our consent, they put us under a new product called Wells Fargo, PMA Package, this product required to have a minimum balance combined with all our accounts of over {$25000.00} of linked FDIC accounts or {$50000.00} on our accounts. We never knew that we were on this PMA Package since they move us to online statements. We were receiving statements for our IRA 's and we thought that we were not receiving statements of our emergency account because the account was dormant. We moved from Wells Fargo most of our IRA 's and left the emergency account there because we used it for our Safety Deposit Box and medical emergency. A year and several months later we learned that they were deducting {$30.00} XXXX every month for not being under the PMA Package, even if the checking account still named Crown Classic. They deducted {$30.00} XXXX every month from XX/XX/XXXX to XX/XX/XXXX for a total of {$570.00} XXXX. We trusted them so when I went to the branch to check my wife 's IRA they told me that my account was dormant and that I need to deposit more money which I did a couple of occasions. How can an account be dormant if they are withdrawing money every month?! When we realized about this happening on XX/XX/XXXX we talked to every person at the bank, we asked who authorized the change to a PMA Package account because we did not ; they did not provide us a document signed by us that could prove that. We even spoke with the District manager, she said they sent statements to our house, which was not true. Finally, they accepted their mistake but they said they only could reimburse us for XXXX fees, which they did by stopping the fee for XX/XX/XXXX and reimbursing us {$60.00} XXXX for the month of XXXX and XX/XX/XXXX. So basically we lost {$480.00} XXXX for being moved to an account we never authorized or asked. We trusted them with our emergency money and they failed. We trusted them because my aunt worked over 50+ years for them until she retired. We closed our accounts with them as soon as our Safety Deposit Box was due 3 months later and we never want to bank again with them. I do not understand how the bank could move us to another of their products without our approval and authorization. I hope you can help us with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Credit card) with STERLING JEWELERS, INC. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I opened an account sometime last year, and I had to move all the way from XXXX to XXXX. Because of that I lost my job, obviously, and I 'm trying to find a new XXXX. I get calls from random out of state numbers sometimes every 5 minutes, and I get 30 a day. It 's impossible for me to find a job or keep my line open for employers to contact me or vice versa. I also get calls sometimes at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Called phh mortgage on XXXX XXXX, 2016 and they confirmed they had received our checking acct info via fax and would apply it to next months mortgage payment. This was not done and now they are trying to charge late fee. Multiple phone calls have not resolved this issue. I do not want to keep paying for my loan over the phone and incurring a {$17.00} servicing fee imposed by Phh. I believe phh purposely does n't apply automatic debit processing so they can charge their customers additional servicing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (I do not know) with COAST PROFESSIONAL INC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Coast Professional , Inc is a debt collector. In late XXXX they falsely reported a debt on my credit report. It took me over 12 months to get Coast Professional , Inc to  deleted the debt from the 3 credit bureaus. They finally took it off when I involved the State of Arizona, Department of Financial Institutions and the Arizona Attorney General. 
On XXXX/XXXX/XXXX they responded to the State of Arizona, Department of Financial Institutions and on XXXX/XXXX/XXXX they responded to the Office of the Arizona Attorney General that on XXXX/XXXX/XXXX they requested all credit reporting bureaus to update and remove the reported information by Coast. However, their inquires still remain. I have again started the process for them to rectify their mistake and removing any/all inquiries yet I have gotten nowhere and now for the past 12 months I have continued to use my time rectifying Coast Professionals mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Struggling to pay mortgage

Complaint: I notified Fifth Third bank in XX/XX/XXXX and advised that my pay check with being garnished via my husband at the time hospital bill. and that i would not make enough due to being the only one working due to the brain injury for my husband at the time. I filled out a Hardship application and was denied but continued to make the monthly payments as well as I could. I continued to make payments until XX/XX/XXXX when i was told they would not take my payment and to call the fifth third bank in XXXX. At that time i was advised that i was late so many times on my payment and that they would not except anything but the full past due payment or my account would go for foreclose. 
I have been back and forth filling out hardship applications with fifth third and on XX/XX/XXXX they sent me 3 of my last monthly payments back to me. I still have that check. 
I now have been denied again for the hardship change to my loan and they are advising me that they are going thru with the foreclosure. 

I feel that fifth third is not working with my and i have followed all their steps to prevent this from happening When i call i never get the same answer from the representatives on the phone and no one can tell me what is going on and what needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (FHA mortgage) with GATEWAY MORTGAGE GROUP, LLC (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: I had some issues with my online account with  XXXX  Mortgage. I had been in contact with them regarding these issues and my issues with my payments not being processed correctly. The issue started in  XXXX   XXXX  was resolved in  XXXX  of  XXXX . I had my credit report pulled in  XXXX  and was unaware that  Gateway  had reported  three  (  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  ) 30 day late mortgage payments on my account. I had been in contact with them about these payments and even had the late fees removed after speaking to someone about the issues. I contacted multiple people  at gateway trying to  get these removed off my credit report do to the issues that I was having and the fact that I have never had a late payment on my credit report in the last 8 years. The were unwilling to work with me in my situation. After writing a good faith lette r ( which I have included ) to the CEO, I asked for them to removed ju st the late payment from  XXXX   XXXX  off my credit report and I was told that they were unable to do this and that I would need to file a dispute with the credit bureaus. They advised me that they would be willing to work with me this way. I filed with all  XXXX  credit bureaus and they did not do what they said they were going to do on my credit report. I am very upset with he lack of customer service provided  by Gateway Mortgage  and their inability to work with their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (CA).
Issue: Settlement process and costs

Complaint: Sebonic/Cardinal financial keeps delaying loan closing and asking for documentation I 've already sent multiple times. They then keep adding rate lock extension fees for the delays because they wo n't acknowledge the paperwork I 've already sent. Even after they have acknowledged that they have all paperwork, they come back with more questions right before closing and then use this as an excuse to add additional extension fees. They know that it will take me 30 days to get another lender to finance the property so I have no recourse, but to pay their increased fees or lose the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (I do not know) with High Point Asset Inc (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I keep getting phone calls from High point asset phone XXXX that do not identify themselves and leave robo calls about how they are going to forward my case to someonebody. They keep calling leaving messages stating that they are trying to send me documents. I have requested in the past proof of the debt and at no avail I have not received anything in writing. They never state they are trying to collect a debt and a guy in XX/XX/XXXX named XXXX told me he wanted to me to meet with an officer someonewhere to deliver documents. I am being threated with legal action but they cant come up with any paperwork regarding the debt.

Company response to consumer: Untimely response
Consumer complaint received 04/17/2016 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Unsolicited issuance of credit card

Complaint: Paypal credit services and XXXX XXXX have done XXXX ( XXXX ) hard inquiries on my credit reports that I did not authorize. I have written letters to both companies and contacted both via mail and fax. Neither one will remove my hard credit inquiries even though I never applied for credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I purchased the home at XXXX XXXX XXXX XXXX in XXXX through XXXX in XXXX of 2003. I have never been late on a payment or had any issues in the, almost, 13 years since. Since the inception of the loan I have had the mortgage taken directly out of my checking account. 
In XXXX of this year, after a 3 month interview process, I was offered a job in XXXX XXXX. I started with my new company on XXXX XXXX. From the day I accepted the offer my life has been upside down. I have a XXXX, a XXXX year old and a XXXX year old. I had one month to find a place to rent in XXXX XXXX, tie up loose ends with my employer, figure out health care ( a must with XXXX little ones ), find a new pre-school etc. Since we did n't have any time to look for a new home we are renting a small condo in a rough part of the city. My wife agreed to the area because it was " temporary ''. We were to move here for a couple of months while we found a new house. We are now past the holidays and are starting to look for a new home. With everything going on I did n't notice that the mortgage had n't been deducted from my checking account. I have n't given this a thought in the last 13 years! I thought that an automatic deduction was the safest way of paying the mortgage. I never received any notification that the mortgage holder had changed. 
On Wednesday XXXX XXXX I received a call from someone in the XXXX. This was the first inkling that something was wrong. XXXX called me in the middle of a meeting. I had to tell her that I would call her back. That night I looked my checking account and realized that the mortgage had n't been taken out since XXXX. As you can imagine, I was upset. Anything negative on my credit can potentially ruin my chances to get a new home loan. I called XXXX back the next day ( Thursday the XXXX of XXXX ) and gave her my checking account information to pay off all of the unpaid balance. Of course, I had all of the money ... it had just been sitting in my account. On Friday, the XXXX of XXXX, I called back to follow up on the payment because I did n't see that it had been taken out of my checking account. It was at this point that I realized how this could truly harm my family and me. The organization had reported a 90 day late and 60 day late to the credit bureaus. I will not be able to get a loan with this on my record. This would effectively take me out of the market for a new mortgage for years to come. I know that I should look at my account carefully and I usually do. The last couple of months have been crazy for my family and me and it just did n't dawn on me that this would ever happen. It was a total surprise that I rectified as soon as I could. 

This is in regards to Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (PR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I did not find the right option for my complain, so here it is. 

This account was originally from GE Money now Synchrony Bank, I have requested many times the information to be investigated because I know about the Discriminatory Credit Card Practices against consumers that had a XXXX XXXX address and I am XXXX of them. Neither Synchrony Bank or this collection company XXXX have changed/deleted the information. Every time I file a dispute in my credit report since the article came out, shows the information has been corroborated and remains. I have copy of my credit report and copy of your article dated XXXX XXXX, 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to any of my many requests to investigate and remove accounts from my credit report that do not belong to me.

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 07/16/2015 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (WA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: This debt it 10+ years old and they will not provide proof of the original debt. We mailed the cease of communication notice in XXXX 2015, it has been received by Dynamic Recovery Solutions and they are still contacting us by mail and phone. The latest letter I have is XXXX XXXX, 2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I have another charge on my chase account for XXXX, I have notified chase for over 1 week of fraud activity, they have not stopped any of the charges while they are pending authorizations and then they allow them to be paid, chase is not refunding the charges and I have provided them with details on who is doing the fraud, yet they still havent done anything. I want my refunds today and them to do their job and stop this person from using my card. 

XXXX XXXX XXXX XXXX XXXX. debit {XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with Bank of America last year with the promotion of {$300.00}. I finished the requirement and confirmed with the customer service member. The endorsed that I had finished it and should just wait for the bonus to post. But I have never received this bonus ever since. When I was checking with the customer service people again, they refuse to admit that I was qualified for the promotion.

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 12/15/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (MD).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: My account was locked since there was a transaction I was n't aware of. I have a few thousand dollars in it. They locked it and are making me answer questions that I have already answered. I have spoken to two reps who state they escalated it however I am still locked out. I was already told they do not believe its fraud, however, they refuse me access. I want access to my money as they have no right to hold my money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Kohls department store was supposed to send our monthly invoices electronically through email however they made no attempt to send monthly invoices even though we had asked them several times. They then proceeded to charge us {$37.00} per month late fees. We feel that this is a widespread problem with Kohl 's department store and it needs to be addressed as soon as possible. If we were elderly or not knowledgeable regarding this situation others may be at risk. 

XXXX XXXX, XXXX late fees of {$37.00} XXXX XXXX XXXX XXXX late fees of {$37.00} XXXX XXXX, XXXX late fees of {$37.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Hello, my name is XXXX XXXX XXXX XXXX My mother is XXXX XXXX XXXX XXXX Case number : XXXX to assist further to show more details involved on XXXX/XXXX/2015 XXXX and currently of the depth my families IDENTITY THEFT CASE really is. At the time of my mothers unfortunate illegal arrest beginning on the night still in question, Wednesday, XXXX XXXX, XXXX, did not tend to care for anything else but myself, and my XXXX sisters. We missed our mom too much, time flew quickly. No one in our immediate family grew curious of the state our finances were in at that moment until while bills began to get paid for the following month which was XXXX, 2015 starting on XXXX/XXXX/2015 possibly around that time frame only because I understand to pay the rent by or before the XXXX, MY BANK ACCOUNT - CHECKING ANS SAVINGS I had both active and opened for my own personal needs to use with what ever my mother puts in the account for me. I ask for permission before I attempt to use/swipe debit card to purchase anything, only if my mom approves. While my mom was in jail, a woman named XXXX XXXX XXXX, was staying at our residence during the absence of my mother, XXXX XXXX. Not I or my mother gave any type of 'ok ' to use our personal and family funding. She was living their and was supposed to be a live-in Assistance due to my moms XXXX through XXXX XXXX XXXX XXXX an XXXX certified XXXX Employee. Breaking laws of many. Continuing to apply for Loans on-line willing to direct deposit, used my, XXXX XXXX 's banking information for collection of payment. After money deposits were in my Teen-Minor account, XXXX XXXX XXXX, Willingly and unlawfully committed IDENTITY THEFT to me as well as my mother. I was forced to close the checking and savings account shortly after. But it was too late for me and my family because of so much damage she has done and continue to create different types of accounts use our personal and private information for her personal gain. Help us Please with this investigation. My mom and sisters have been under so much stress since the date mentioned. Please call my personal phone : XXXX XXXX XXXX XXXX. I have much to provide to this department to further assist in stopping XXXX XXXX XXXX in IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (CA).
Issue: Unexpected or other fees

Complaint: I opened the account in   XXXX   XXXX    2015 with the promise of a promotional deal to deposit {$20.00} and receive {$20.00} . I confirmed that the account had {$40.00} soon after. I did not use the account as there were fees to check balances, withdraw cash and other assorted fees. I let the account sit for a long time unused. I received a new debit card in the mail recently and thought it was an updated card. I activated the card and noticed a   XXXX  balance. I called the company on   XXXX   to dispute the balance. They informed me that this wa s not the same account. I asked about the old account and they informed me that it was also at a   XXXX  balance. When I inquired as to why, they informed me that because the account had sat unused  for more than 90 days, there was a {$5.00} account maintenance fee that was charged every month. When I asked why I was not contacted prior to this starting, they informed me that it was " on the box for the card ''. I have no idea what that means. I assume they are implying that it was on the terms of service agreement. In any case, I asked to speak to a supervisor and was told the same thing. I was not contacted once about this monthly maintenance fee nor about the requirement that the account must be used every 90 days.

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 05/24/2015 about Consumer Loan (Installment loan) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Problems when you are unable to pay

Complaint: I get calls every day from Midland collections. Today XX/XX/XXXX they called me XXXX times. I asked them to stop. I told them I do not owe them or any other collections or credit card money. I work split shifts and am on call from my job and have been awakened all day today. Please get them to stop calling me.

Company response to consumer: Closed with explanation