milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (IL).
Issue: Managing the loan or lease

Complaint: This is an extension of the complain # XXXX. I opened a vehicle loan with Ally Financial in XXXX. All payments to the loan were made on time and setup for electronic debit and processed out my checking account via ACH. I paid off the loan in the exact same manner and called to let them know I was selling the vehicle and needed to expedite the title. I was immediately told that is not possible-they do n't make exceptions. Then I was told it would be 10 days before my title was sent. I was promised it would be mailed out on XXXX/XXXX/XXXX which was a Saturday so I questioned that being a weekend and they promised that it would be XXXX/XXXX/XXXX. I tried several more times to expedite this process as I felt 10 days was an unreasonable amount of time to hold the title. I communicated my urgency verbally over the phone, written through my online account, and written through Ally XXXX 's chat feature on their website. Still, my title was mailed out REGULAR MAIL ( which is negligent ) on XXXX/XXXX/XXXX. I was very upset with this as I had made it very clear I needed it as quickly as possible and they disregarded me completely. I have called at least 10 times asking for someone to please let me know where it is as it is now XXXX/XXXX/XXXX and I still do not have the title. Originially I was told it would take 3-5 business days to receive. Miraculously when I did n't receive it after 5 business days, their policy changed to 5-7 days! Because I filed a complaint, I was told that my file had been transferred to the EO department which I later found out stands for Executive Office and there is no way for me to contact them. I have to wait for someone to call me. I have been waiting for TWO WEEKS and no one has had the decency to call. I continue to call customer service and they just say my title was mailed out and there is nothing they can do for me. How could this possibly get any more ridiculous? The buyer for my car backed out and purchased another as I was not able to timely receive the title. Ally had declined to take responsibility in any way and refuses to pay for a duplicate title even though they are the ones who mailed it with no tracking and is likely now lost in the " regular mail '' that they trust for such important documents. I can not express my frustrations with this company enough. This has single handedly been the worst customer service I have ever heard of, let alone experienced, in my entire life. I am still waiting on my title, just like I am waiting for the callback that they " promise is of high urgency '' that has taken more than 14 days to get ... .Absolutely ridiculous! It is very clear that customers who actually pay their bills are not a priority to this company.

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 12/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I received an email at XXXX on Tuesday XX/XX/XXXX stating my Bank of America Checking account had been overdrawn. 

Upon logging in to my checking account I noticed that there were not 1 but 5 overdraft fees for the amount of {$35.00} each. 

I was immediately connected to a customer service ( XXXX ) representative who instantly placed me on hold for about 20 minute returning only to say she could refund 1 fee. 

I asked to speak with her supervisor ( XXXX ). He explained that my account was set to notify me when my account was below {$25.00}. 

Without being notified my account Had {$820.00} and ended up with - {$500.00}. 

A NEGATIVE BALANCE IS UNDER {$25.00}. Bank of america disagrees. 

Upon being notified I immediately transferred {$1300.00} into my account to help resolve the situation. 

Being a BOA customer since 2004, they still said there was nothing I could do and this was my fault.

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 10/27/2015 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Rewards

Complaint: I held an American Express corporate card as an employee XXXX until XXXX XXXX, 2014 when XXXX XXXX was acquired. I paid the balance to zero and cancelled the card upon the acquisition. American Express did not cancel the card despite my request. In XXXX, American Express billed me a membership reward fee. I called and indicated this was in error because the card had been cancelled. Again, they indicated they would cancel the card. They did not do so. I received more statements including interest fees on the membership reward amount. I called again to ask them to cancel the card. They did not do so. Finally, today, I received a phone call from their collections department for the {$91.00} for the membership rewards payment. I again, requested that the card be cancelled and the fee be waived. American Express refused to waive the fee and it is unclear to me as to whether they have formally cancelled the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-04-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: Regarding New Home Loan # XXXX with Wells Fargo. Working with XXXX XXXX, XXXX XXXX and team.started on XXXX XXXX 2015. 
The worst day in my life when I approached Wells Fargo rep XXXX to help with mortgage while shopping around for XXXX other major lenders. the reason to go them was clearly stated that closing should happen in a month time. I had no-contingency offer and my earnest deposite of XXXX was at risk for my dream home purchase. 
I provided all the documents and was given confirmation that it should be easy one as I was applying for loan of XXXX % on the property price of XXXX and I had over XXXX in assets plus another rental property with XXXX in equity. 
I decided to go with WF due to promise of closing on time. To my surprise the whole month went by in asking for documents in installments. Loan team seem to be working on this first time. everytime they will ask for a " last '' document and then ask for another. Finally I had to request seller for contract extension till XX/XX/XXXX as loan did not close on time. Meanwhile I already spent money for XXXX appraisals and a credit report pull. After this I was laid off from job but got another contract job offer in a day or two so I asked loan officer if I should continue or work with seller on pulling out of deal. 
She told me that contract document is enough proof to keep ball rolling and no other document is needed. I provided with contract job offer I had.I worked with seller to extend contract for another 30 days on condition that I pay {$80.00} per day as compensation. I again asked loan officer if I should enter contract. On her positive confirmation I decided to keep ball rolling for {$80.00} a day. The loan did not close by new extended date of XX/XX/XXXX end.Meanwhile I got job offer from original employer. Now WF wanted me to extend home contract for more days and asked for offer letter. I provided these document and on assurance that no more docs needed I extended purchase contract for another 30 days till XX/XX/XXXX. 
This time I had learnt my lessons and started working with other lender. Thanks fully my loan with other lender got approved in XXXX weeks and I was able to close by end of extended date. 
In the process I incurred un-necessary expenses with no result and caused by in-efficiency of the Wells Fargo staff as follow. 
Appraisel costed XXXX $ and I had to do XXXX. 
Credit check fee XXXX $ Two month of compensation given to seller extend contract $ XXXX $ XXXXPlus lot of trips and parking expense to meet them approx XXXX $ I difinitely need to be compensated for money I spent ( over XXXX $ ) plus compensation towards mental hassle I had to go through during XX/XX/XXXX-XX/XX/XXXX for a supposedly straight forward transaction. 
ThanksXXXX, CA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A group of people used my social security number to get services with XXXX XXXX XXXX XXXX, XXXX XXXX. The billing was linked to my home at XXXX XXXX XXXX. XXXX Tennessee XXXX. The FBI told me it was an inside job. The entire XXXX XXXX, XXXX XXXX & The XXXX Family. XXXX XXXX. Copies of my birth certificate was made, drivers license, social security card. My date of birth changed with XXXX, my former employers changed. Social Security wrote a query showing my employers from XX/XX/XXXX - XX/XX/XXXX. Tax returns have been filed using my information. The XXXX Family stole Government funds to pay you for your services through XXXX XXXX XXXX. Unemployment funds was being used. The FBI brought this to my attention. From XX/XX/XXXX-XX/XX/XXXX this theft occurred. My number in the home was ( XXXX ) XXXX. You turned my phone off, I was in my home 18 years. The XXXX stole my home. It goes on & on, they 've taken my identity. They are being allowed to continue to abuse companies services. The only way they will stop is you do n't provide them with any type of services.

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 06-12-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: Wired {$15000.00} to  Coinbase  on  XXXX / XXXX /   2017  for use on their  XXXX  digital currency exchange. Wire transfer was processed next day from my bank checking account, details show in my account. I had previously transferred {$5000.00} to Coinbase from the same account with no issues.     Funds were transferred to : Recipient Na me Coinbase, Inc  Recipient Address  XXXX   XXXX   XXXX , #  XXXX ,  XXXX   XXXX , CA  XXXX  Bank  Name    XXXX   XXXX   XXXX   Bank  Address   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , NY  XXXX  Routing/ABA Number  XXXX  Account Number  XXXX  ( additional identifier for my consumer account was added in the 'instructions ' field ) Coinbase states on their website : " Bank wire transfers may be credited to your   XXXX   account on the same day if submitted by  XXXX  PT. Otherwise, funds will be available after  one  business day. '' As of  XXXX , funds from this wire transfer are not available in my account.     I have attempted to contact  Coinbase  customer support through their online support system, by email and  XXXX  direct message since  XXXX . No other channels for contact are available. Company has not responded or provided any information on the missing funds . Case ID  in company 's helpdesk system is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Bank account or service (Other bank product/service) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Account opening, closing, or management

Complaint: I have a {$500.00} revolving line of credit with Regions Bank. I am in the process of trying to close on a condo, so I paid {$300.00} last month and yesterday, XXXX/XXXX/2015, the account had a balance of {$190.00} in which I made a payment of {$200.00}. This a.m. I went into the branch to try to get an update statement showing the {$200.00} payment with a available credit of {$500.00}. Unfortunately, the XXXX branch manager could not produce an updated statement showing this payment and available credit. Unfortunately, I discovered Regions had assessed a {$37.00} paid in full fee and was able to produce a statement showing only this transaction. I also noticed that on this {$500.00} revolving account, Regions had " willy nilly '' assessed a ton of fees to this account throughout the time I have had this account. 


ANOTHER SEPARATE COMPLAINT : As I overpaid this account by {$2.00} ( stated as a credit on statement and refunded back to me at a branch ) when I paid account in full and requested an updated statement ; however, today, XXXX XXXX, 2015, I received a statement from Regions Bank treating the {$2.00} overpayment I made as a cash advance and has charged my XXXX balance account {$10.00} with {$1.00} in interest. Just criminal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/21/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XXXX/XXXX/XXXX, I faxed, mailed and emailed a letter to Wells Fargo stating that XXXX XXXX XXXX no longer has my permission to  take automatic debit payments from my bank account. I notified XXXX XXXX XXXX as well. On XXXX/XXXX/XXXX, I received a letter from Wells Fargo advising me that a stop payment was placed on my account. On XXXX/XXXX/XXXX, an electronic payment was sent to XXXX XXXX XXXX. I contacted Wells Fargo and was advised my a customer service representative that the company ID matched the stop payment and that I would be credited the full amount the following moring. I asked them to close my account and open a new account to prevent any future problems. The representative helped me open the new account via phone but failed to close my original account. The representative also took it upon himself to file a claim on my behalf regarding the unauthorized payment to XXXX XXXX XXXX. I was told that this claim was denied due to the dates that I provided on the claim. I did n't give any dates what so ever as I was not even aware that a claim had been filed. To date, the account still has not been closed despite my many requests to close it. Not only was I not reimbursed for the unauthorized payment to XXXX XXXX XXXX but a second unauthorized payment went through on XXXX/XXXX/XXXX. I was charged overdraft fees for both of these transactions as well as a couple of other transactions that went through due to the account not being closed. As of today, my account has a negative balance of {$200.00} due to these unauthorized charges and fees. If the account were closed as I originally requested on XXXX/XXXX/XXXX, it would have a balance of {$0.00}. I would appreciate if was reimbursed for the unauthorized payments and my account were closed as requested. I will no longer be banking through Wells Fargo.

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX has violated my privacy on multiple occasion by contacting third parties without my permission. They are in violation of 15 USC 1692e for using my name in vain and for false representation of my information without my permission. Inaccurate information must be corrected or deleted. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. They are now trying to report a fraudulent address. 
Section 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). I HAVE NOT granted them access to report my information or discuss it with a third party yet they continue to do fraudulent and frivolous so called investigations. I am a victim of identity theft and CRAs are prohibited from reporting fraudulent information. 15 USC 1692F. 
They have been notified by certified mail : XXXX on XXXX/XXXX/XXXX and certified mail XXXX on XXXX/XXXX/XXXX. We are now prepared to take legal action if this is not resolved immediately.

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 03-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: There was an account open under my name the year of 2016 that i never authorized. The amount of this account {$3800.00}. I have disputed this item with the credit bureaur and they stated this item was paid by me threw my bank accounts. This account is not mines I have contact my bank to see if I could get additional documents from these payments that was made to my account do to the time frame witch citi bank requested from me, and my bank stated they are not able to reach back for them transactions witch citi bank is requesting. there holding me liable for this fraudulent account its not fair.

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 02/14/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (IL).
Issue: Unauthorized transactions or other transaction problem

Complaint: I have been using Coinbase for 7-8 months now, and have had no issues. In XXXX, I wanted to withdraw my funds from the " Vaults '' that I had created in Coinbase. I have about {$3000.00} worth of digital currencies sitting in Coinbase and I felt like it was a good time to take the funds out of a public exchange. 

However, I realized that I don't have access to the secondary email account that I needed to use in order to confirm the withdrawal. I have opened multiple support cases, and the last time I heard back on XX/XX/XXXX ( writing this on XX/XX/ ) I was told that a specialist was on the case and that I'd hear back soon. They have since stopped responding to support emails and their phone support never seems to be able to answer the phone. I saw on XXXX that this was a good place to turn as a last resort. 

Main support case is Case # XXXX but I have also opened Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Struggling to pay mortgage

Complaint: I was current on my loan till XX/XX/XXXX, in XX/XX/XXXX Ocwen ask me to re-modify my loan lower my interest rate, told operator i would be making XX/XX/XXXX's payment later that week Ocwen 'said does n't matter if month behind or 2 yrs behind we 'll re-modify your loan lower your interest rate and make your house more affordable I GUARANTEE IT we 're Ocwen this is what we do keep homeowners in their home. After 10 months of updating turn me down wanted XXXX , offered XXXX $ said all or none.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: MEDICAL BILL FOR MY SON FROM 2012 OR 2013, THAT HE WAS DOUBLE COVERED FOR INCLUDING A SECONDARY INSURANCE OF XXXX. IF FACILITY DID NOT BILL IN A TIMELY MANNER OR MISS BILLED, THEY NEED TO WRITE OFF BALANCE AS THEY WERE AWARE I/ MY SON WAS DOUBLE COVERED WITH INSURANCE/ XXXX. THIS IS EFFECTING MY CREDIT, BEING A SINGLE MOTHER OF XXXX, AND DOUBLE COVERED WITH XXXX, THIS BILL NEEDS TO BE WRITTEN OFF

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This Creditor is : Ad Astra Recovery Services, Creditor is : XXXX XXXX XXXX XXXX NM, in the amount of {$760.00} Account Number : XXXXX This account was already disputed by me and all the three major credit bureaus. " It was, " Investigated, Removed and Deleted. '' from all of my Credit Reports after I proved it was a, " Fraudulent Account and not mine! '' I was hit very hard back in the Year 2015 by up to 15 ILLEGAL CREDITORS, in which someone used all of my personal information to obtain credit and have access to cash as well. 
However, for some odd reason, it was once again placed on both my XXXX and XXXX Credit Reports! I do not know if it was placed on my XXXX Credit Report as I do not have access to it, however, this Creditor should not even exist as I mentioned all the credit bureaus did their investigation and found that is as indeed a, " Fraudulent Account! '' and had it removed! I do not understand why this is happening but it not right and I think it is quite illegal as this creditor is violating my rights under the Federal Trade Commission Laws! I have spent over two years now working on all the, " Illegal Frauds '' that were committed in my name and I when I finally managed to clear them up, " I then get hit again with this Creditor who was already removed and deleted. I also submitted to this company all the legal documents they requested and still they are allowed back! Something is not right with what is going on as I should not have to continue disputing Creditors that have already be en removed! I need this Creditor to remove themselves from my credit reports as what they are doing is, quite illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit card () with JPMORGAN CHASE & CO. (KS).
Issue: Other fee

Complaint: I opened a credit card with Chase bank in XXXX XXXX that had promotional miles and an annual fee of {$60.00} that was to be waived for 1 year. In XXXX XXXX I was charged an annual fee. I assumed it was for the coming year. I called Chase in XXXX XXXX and was told that the annual fee I was charged in XXXX XXXX was for the coming year. I had already paid the fee so I held on to the card for the next year. Today I called Chase to downgrade to a no annual fee card and I found out that the annual fee is backwards looking. I should not have been charged an annual fee in XXXX XXXX. Chase does not have my old cardmember agreement and would not waive the fee for that year or this coming year. I felt this was unethical and canceled the card.

Company response to consumer: Closed with explanation