milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: I had an automatic payment scheduled for my car insurance to come out on XXXX XXXX, 2015. Since the direct deposit for my payroll was XXXX XXXX, I normally would have asked the insurance company to delay a few days to ensure funds availability, however on this occasion I forgot. Realizing my mistake, I checked my account several times during the day and evening on the XXXX to see if the payment had been posted but the transaction was not listed on the website. In the event that the payment was posted on the XXXX, my plan was to borrow funds and deposit it into the account via ATM before XXXX. ( Previously a bank representative had advised me that an ATM deposit making the account positive before XXXX would help me avoid the fee. ) The following day when my direct deposit was applied, the previous day 's balance showed as negative then the fee was applied.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: I have a adjustable home mortgage with Wells Fargo. I decided to refinance to lock in a more affordable, fixed rate. I went to my local Wells Fargo branch to get the process started. 

After running my credit, I was denied pre-qualification because of erroneous reporting of numerous late mortgage payments and a balance with about a {$300000.00} difference on my actually balance. 

I contacted Wells Fargo about the situation numerous times and got a variety of experiences:1. The representative looked at my current payment history for the last few years and noted that I was never late and confirmed my current actual balance but offered no help to fix my credit. I was told the reporting is automated and there is nothing anyone can do. 

2. The representative could not find my mortgage account after I provided my account number, social security number, property address and phone number. 

I need to refinance before the rates go up and Wells Fargo has done nothing to help me with the erroneous reporting in my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (Medical) with SQUARETWO FINANCIAL CORPORATION (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In the attached document in additional information. The response is not clear, on who has my debt. it appears, that someone or a another company has the debt, that are not to have under law. Who has the debt, why did they not notify me that they have the debt, and what if any giving information to any other entity. What other companies have a hold on this debt, has ti been sold and resold to other companies, if so, they have violated several federal laws and XXXX XXXX Laws.

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 02/25/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: In XXXX of 2015 I was sold a banking product by XXXX XXXX of Bank of America. The various products were attached to an incentive of {$1500.00} in account credits after the account was opened and conditions were satisfied. These credits were never received, and on XXXX XXXX I inquired and received no response. On XXXX XXXX I inquired again and was told it was overlooked and would be sent within 15-20 days. On XXXX XXXX I asked for an update and was told the check would be sent by the end of the month. To this day nothing has been received and the bank is engaging in a classic baiting scheme.

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 09/24/2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Incorrect/missing disclosures or info

Complaint: I used PayPal to send {$1500.00} to cover a {$1500.00} plus PayPal Fees. When paypal sent notification of the payment, I learned that I did not send enough to cover XXXX fees. I I called the PayPal customer center within 6 minutes of the transaction to cancel the transfer. Note : In the confirmation email sent to my by PayPal they stated that you can cancel within 30 minutes ( Need to cancel? 
You can cancel your payment within 30 minutes as long as the recipient has n't received the payment. For a full refund, see the transaction details and select Cancel, or call Customer Service at XXXX. ) When I called the customer service number provided they informed me that no matter what the email states, I could not cancel the payment. 
PayPal gave me a false sense of security by stating I had up to 30 minutes to cancel and when I called 6 minutes from the transaction they informed me that no matter what was said on the email confirmation they could not stop or cancel my cash transfer

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I tried to get an copy through Equifax but everytime it tells me that the information is invalid. I sent in an copy of my driver license to Equifax and they still do not have my information correct nor am I able to even get online line to dispute anything. I have no problems with the XXXX or XXXX, just Equifax. Every year its a problem and it is not fixed yet and the information is outdated and not up to date and the reason I know is because of the low credit score that I have with them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Bank account or service ((CD) Certificate of deposit) with JPMORGAN CHASE & CO. (MI).
Issue: Account opening, closing, or management

Complaint: I 've filed a complaint against JP Morgan Chase Bank # XXXX. As of XXXX XXXX, there has NOT been a resolution of my brothers ' asset. We have XXXX CD, XXXX with XXXX. Chase has NOT honored these CD 's. The branch offices were unable to process these accounts. After his death, in XXXX XXXX, there were XXXX Investment accounts totaling {$49000.00}. As the Executor of the Estate, I requested to consolidate and cash in these accounts. I was told they could only find XXXX account for {$24000.00}. ( where 's the other {$24000.00} account ) They have the DEATH & the Appointment of EXECUTOR certificate on record. They have removed my named from a CD in XXXX XXXX. The branch office CAN NOT, HAVE NOT helped with these Asset information. " XXXX '' or " In Trust For '' funds are n't estate funds. Who is keeping their records?

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX, reporting on credit report. 
Account Status Closed - Paid and Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX closed by credit grantor/ paid / never late .. 
Expired time .. 11 years old on report

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I checked my credit report to find convergent outsourcing having a collections account on 2 of my bureau reports ( XXXX and XXXX ) for XXXX. I sent a certified letter ( attached below ) on XX/XX/XXXX asking them to provide me with information such as a signed contract bearing my signature that showed I owed this debt of {$120.00} which appears on my credit report. The letter was signed for on XX/XX/XXXX and eventually was marked as disputed on the credit reports within the 31 days. However ; I have not heard one thing from the company or received anything showing proof that this debt is mine. I sent another certified letter on XX/XX/XXXX (  attached below ) as a good will faith to clear up this matter and still til this day on XX/XX/XXXX have not heard one thing from this company or received anything that shows I owe this debt being reported on two of my credit bureau reports ( XXXX and XXXX ) This is incomplete and inaccurate information being reported by them and is damaging to my credit.

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 06/17/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: hello, I am XXXX XXXX, I open a citi gold checking accout XX/XX/XXXX with a promotion code. When I spend {$1000.00}, and XXXX consecutive bill pay, I can get XXXX XXXX miles. Before I open it, I contact the representative to make sure that the code will be effective to me, then I open it and I did all the requirements. but until now I did n't get XXXX XXXX miles. I contact the citi banker, they do n't admit that code effective to me. Please help me. thank you so much. My citi checking account number is XXXX rounting numeber is 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 03-03-2017 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (TN).
Issue: Application, originator, mortgage broker

Complaint: My wife and I applied for a refinance on our mortgage loan with LoanDepot.com.LLC in XXXX XXXX, CA XXXX. After months of waiting for an approval they came back and denied the loan. We were to receive a written response mailed within 3 weeks and still after 2 months we have not received the written letter. This company seem to be NOT very reliable or trustworthy. After giving them all of our sensitive information they come back with a denial and will not send any reason why. I sent them a neg. survey and they do not respond. Both my wife and I have a credit score of over XXXX but the loan was not approved. It appears that this company is a scammer ... .client beware!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: My Brother XXXX XXXX XXXX XXXX on XX/XX/XXXX with over a dozen credit card accounts. I immediately notified his banks and closed his accounts. I became his Personal Representative and in compliance with Colorado State law I notified all known creditors of his XXXX and cancelled his accounts Without any prior notification or attempts to settle my brothers debt, Capital One filed a creditors claim Ref No. XXXX on XX/XX/XXXX for XXXX against his estate with the XXXX Colorado District Court. 

There have been fraudulent claims against my brothers estate so to prevent fraud I have contacted XXXX XXXX at Capital One at XXXX to request specific transaction information to determine what are actual charges, what are finance charges and fees and to ensure this entire claim isnt fraud. This information has not been provided. 

All of my brothers financial accounts will be settled out of probate except this one account with Capital One. Capital One has given me no specific information on the account but worse has given me no option in settling this account other than paying the entire claim for XXXX or to go through probate. 

Probate will involve requesting a court hearing, taking at least another day off of work, traveling three hours and more paperwork. 

In addition to caring for my XXXX-year-old mother I have been dealing with this estate for the last six months and have clearly done a very good job as there will be no other claims against my brothers estate requiring probate. I am very irritated that Capital One never contacted me prior to filing the creditors claim, has failed to provide any specific information against the account and is forcing me the inconvenience of going through probate to settle this one claim. Capital One refused to disclose the name, address, and phone number of XXXX XXXX regulatory agency. 

I believe XXXX XXXX actions are belligerent and strong armed at the least and are approaching extortion at the worst and would greatly appreciate your assistance in this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: I am customer with Coinbase and have been with them for about 4 months now. I never had any problem with them until I try to log onto their website from XXXX, XXXX. I did NOT do any transaction just tried to log on to check current price levels. Coinbase immediately locked my account and has not responded to my many emails, opening of support tickets etc ....

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Checking or savings account (Checking account) with KEYCORP (CO).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: 3 checks were stolen from our mail box in XX/XX/XXXX then washed and cashed. 2 of 3 the checks were cashed by XXXX XXXX on XX/XX/XXXX.. The 3rd check I had a stop placed on it. The recipients names were changed to cash and the amounts were significantly altered ; # XXXX for {$240.00} to {$2200.00} and # XXXX {$290.00} to {$2200.00}. The payee 's called several weeks later complaining they had not received their checks. I called the bank to see if the had cleared and they had not. I rewrote them new checks and mailed them out ; thinking i must have accidentally thrown them into the trash. I received my statement on XX/XX/XXXX and found the checks had been altered and cashed. I immediately went to the XXXX Key Bank Branch where i explained the problem to XXXX XXXX, relationship manager. He helped me complete the Key Bank Fraud Affidavit. Then I proceeded to the XXXX County Sheriffs office and filed a Case #. Since then i have been unable to get any money refunded. Neither Key Bank nor XXXX XXXX Fraud Depts. will discuss this with me. XXXX XXXX says i 'm not their customer and Key Bank says the branch in XXXX should follow up on your behalf. The XXXX Branch says its out of their hands that it is a XXXX XXXX issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Debt collection (I do not know) with Convergent Resources, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX is harassing me and put false debt on my report that does not belong to me. I contacted them but no response back. They keep reporting XXXX debt 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 01/27/2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Delinquent account

Complaint: I have proof in phone records that USAA collection department called me less than 5 minutes apart about a credit card payment due. The two that I spoke with stated that I was 33 days late. I was only 10 days late. I 'm very disappointed is the call. Usaa is suppose to be a good bank for military.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX I requested my account be closed after paying on time and requesting the final balance to pay and close the account from their service employee. I paid that amount and the agent said they would close the account. 

XX/XX/XXXX I was contacted by another XXXX employee saying I had an overdue balance of {$500.00}. I said tge account was to be closed and I had paid it in full. They said it had n't been closed and this was the account fee. I said that was their mistake and they should close it and not charge me since I had requested it be closed. They said they would close it out. 

On XX/XX/XXXX I was contacted yet again by another XXXX employee saying I owed late fees and over {$700.00} at this point. I had to go over the whole thing again and specifically told them they had better not report any late payments since this was all their mistake. She assured me she had taken care of it and that the account balance would be XXXX and the account finally closed. On XX/XX/XXXXmy account was finally closed as requested in XXXX, however they are still showing a 30 day and a 60 day late payment on my record which is damaging to me and my credit score. It 's incorrect as I never used them a payment much less was I late in it. This incorrect record must be corrected.

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 08/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with FCI Lender Services Inc. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: House is scheduled for foreclosure XXXX XXXX, 2016, the foreclosing lender is not in the chain of title for this alleged loan and in fact it appears that the alleged loan and mortgage or invalid. Attempts have been made to resolve the problems with this current " stranger Lender '' but they simply refuse to cooperate. They have never attempted to resolve the debt, make attempts to restructure or otherwise work with the homeowner. Additionally this is an 80/20 loan and the homeowner never received the 90 day letter or any other statutorily required opportunities to resolve this alleged debt.

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 09/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Deposits and withdrawals

Complaint: Today I made a deposit to my Wells Fargo checking account. It was a check made out by me, to me on our credit union account. The check was for {$500.00}. As you can see from the receipt, WF gave me instant credit for {$400.00} and delayed the balance - {$100.00} - until tomorrow. Is this common practice in banking? What if I was expecting a check to come through my account today and WF failed to cover it because they did not recognize the total deposit. Would I therefore be responsible for over-draft fees? Just thought that since you are looking into Wells Fargo and other banks, you might want to consider this. It was a first time experience for 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 03/25/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX XXXX I discovered there was more fraud account appearing on my file from Identity thief.I contacted all three credit bureau and discussed the matter sent a police report and aff admit to all XXXX bureaus and creditors.The bureau failed to remove the fraud accounts in a timely fashion.I had letters from the creditors who have 90 days to investigate fraud.. the accounts such as XXXX XXXX and XXXX was removed XX/XX/XXXX.After disputing XX/XX/XXXX.After going threw my report again.I notice XXXX accounts was showing on Equifax file.So I contacted the fraud department who I normal discuss my file with.The employee namely XXXX was nice and decided I need to speak to an higher office. ( office of Consumer affair ) employee namely XXXX after trying to get Him understand my creditors do report the accounts.i via XXXX Him a letter next day mail.my reports from XXXX and XXXX. And the accounts reporting and I need them to report on here cause my creditors are reporting my account.I verfied.XX/XX/XXXX All the fraud accounts was reinserted back on my file.Over XXXX accounts day by day.So I ended up calling the fraud dept.Spoke with XXXX again. He said wow What happen.He said I can see where these account were previous disputed and removed due to fraud.He transferred me again to XXXX. He never gave any indication why this happen and how to resolve this.He put each account back in a separate dispute.I called in to complaint and asked for His supervisor namely XXXX.She said fax over the documents.I fax them over.Yet it account remains in a long drawn out Dispute.i have XXXX until I 'm off work with a XXXX.after continuing to contact higher supervisor.XXXX told me he was high as it go.after continuing to contact Him .He stated XXXX was his highest supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: unlawful Foreclosure to my home on XXXX/XXXX/XXXX. We were in the process of the modification. Was never given a proper notice of the of the intent to foreclosure. mislead to believe we were working on a modification. My loan with the bank is considered to be a predatory loan, was never given a fair opportunity to work out a repayment program of the modification. 
The bank had postponed the sale date several times and did not gave me enough time and official notice of their intent to foreclose on my home. 
i appealed the offered approved MOD, XXXX XXXX XXXX, the payment offered was too high, and was never given a response to my request and was pushed to repeat the whole Mod process for a 3rd time to then be put in foreclosure. 
I had already gone through the 3 month trial payment with previous servicer XXXX. 
Please help me with this matter. I have hired attorney spent thousands to not get any good results. 
i know the bank and their servicers are acting unlawful. unfair, misleading ... 
thank you XXXX XXXX

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