milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/23/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Problems caused by my funds being low

Complaint: My complaint is related to NSF fees on checking accounts. My account is at Wells Fargo, but I know there are other banks that have adopted this same practice. Several years ago, they changed the way items post to accounts for no other reason other than to maximize the fees. They purposely post the largest item first, so that the more items will be NSF. For instance - a customer has {$100.00} in their account. XXXX items are presented for payment. XXXX items for {$90.00}, XXXX items for {$15.00} and XXXX item for {$20.00}. By posting the {$90.00} item XXXX, they are able to collect XXXX NSF fees at {$35.00} totaling {$100.00}. If the posted the itmes from smallest to largest, the only NSF fee would be for the {$90.00} item ( {$35.00} ) so they XXXX the fees. My college student daughter had XXXX NSF fees ( {$100.00} ) for items on her debit card which totalled less than {$20.00} because of this practice. While I recognize that it is the account holders responsibility to keep track of their balances, this seems to me like legal predatory lending. They continue to take advantage of the people who can least afford it. They are now " fee driven '' rather than making money on " spread '' and they have ablsolutely no scruples about how they do it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2015 about Prepaid card (Mobile wallet) with Empowerment Ventures, LLC (WI).
Issue: Managing, opening, or closing account

Complaint: I have not been able to access my account. I have not received my direct deposit from my employer yet. I can not get an answer from the customer service associates at Rushcard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On my credit report XXXX XXXX XXXX is listed as an inquiry. XX/X/16 date of occurrence. I have no recollection or have not done any business with this company. I do not recognize this inquiry. I have reached out to this company and credit bureau as well no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Checking or savings account (Checking account) with KEYCORP (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: As my current Debit card end date is expiring (   XX/XX/XXXX  ) , I have requested for a new card by calling KEY BANK Customer care, called couple of times to check status on that, they have mentioned card is on it way, but i i never received it, after few weeks i got call from KEY BANK on  XXXX   XXXX , stating that there is some high amount of transaction is happening on my card. I have clearly mentioned then, i did n't received any card and i have no information on that and informed them to block it and block all transactions, but i found out that total {$9900.00}, transactions happened on my card on  XXXX   XXXX  and  XXXX   XXXX , with out my knowledge and i have received single call about this. I was very much surprised and filed a case on KEY Bank Fraud department and provided all the required information and filed a police case as well at   XXXX   Police station. i have been trying to reach out to  Fraud  department agent since two weeks, he is not returning my call, to day i was able to hold of him by other agent and he rudely mentioned it as case is denied, so no refund will be made on my account.I have been with KEY bank more than  10  yrs and i am a key privilege account Holder and i have  CD  as well with bank, never ever have this type of reception from any one. He didnt gave me any valid reason for denying the case, police investigation is still in the process and he concluded the case and said it is denied and i do n't need to call him back on this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2016 about Debt collection (I do not know) with Mid-Atlantic Consumer Services (OH).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received XXXX dishonest calls this week from Mid Atlantic Consumer Services. The first said that they were calling about a XXXX income tax that form that I " refused to acknowledge. They clearly made it sound like they were acting on behalf of the government. 

In the second call they said they " had a form with my social security number on it '' and they were trying to send to me but it was refused. 

When I called their XXXX number it was clear that this was a debt collection service but never mentioned anything of the sort in the XXXX voice mail messages they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Bank account or service (Checking account) with NETSPEND CORPORATION (GA).
Issue: Using a debit or ATM card

Complaint: pay pal prepaid works with net spend and they put a block on my card but my money is on my card but i cant use it i need help getting it unblocked pay pal prepaid works with net spend and they put a block on my card but my money is on my card but i cant use it i need help getting it unblocked they did n't even tell me i had a block on my card i had to call and see what was my balance and that 's when they told me.i filed XXXX already dont seems like that is helping so i want to take further steps to get my card unblocked so basically the money is sitting on my card but i cant use it because they blocked my card.plus i filed a dispute on XXXX XXXX regarding a transaction that was not made by me {$940.00} they keeping that and only gave me {$170.00} so basically they giving me what they want to give me i dont want half of my money I want it all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Medical) with Cawthorn, Deskevich & Gavin, P.c. (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I called to pay off a judgment with Cawthorn, Deskevich & Gavin from a hospital bill. When I made a settlement amount and paid the same day, I was told that the judgment satisfaction would be sent to the courthouse within 15 days. I asked for a copy of the receipt as well and was told it would be mailed to my home address. I did receive a copy of a written receipt but never received the satisfied copy of the judgment and neither has the courthouse. I called several times to be told that the attorneys only have one original copy of the satisfied judgment and it is sent to the court house, again the court house has not received this satisfaction as of yet. The clerk at the civil court said they would accept a faxed copy from the attorneys office, so I call and again I am told that a faxed copy could not be sent to the court because they did not keep a copy of the satisfied judgment once they are sent off to the courthouse. I called their client, the hospital they represent, and was told from the rep in the billing dept that I should have been sent a copy of the satisfied judgment. So I call the attorneys office once again to tell them what their client ( hospital billing dept. ) has relayed to me, then I am finally told that another copy could be signed by the attorney and sent to the court house via fax and mail being the court house never received their 1st copy sent, and that I would be sent a mailed copy only, as I asked if a faxed copy could be sent to me so I could have it recorded at the county courthouse. I was told the judgment was mailed on 2 different days, I waited, called the court house everyday to be told it has not been received. How can these law firms get away with such lies. The same person answers the phone each time I call and its always a different answer from her to the same questions I ask. I was suppose to close on my home on XXXX XXXX, my bill was paid with the attorneys office on XXXX XXXX 2015. They never sent the letter of satisfaction to me or the court clerks office. I still do n't have a copy of the satisfaction and it now XXXX XXXX 2015. I 've called the XXXX house every day for week as I was told that the satisfied judgment was mailed last Monday XXXX XXXX, and as I kept calling back with questions and pleas to have the document faxed to the court, I was told it was then mailed on Tuesday XXXX XXXX. I do n't know what to believe any more, I just want my paid judgment of satisfaction to be faxed and mailed to the civil court as well as my home address so it can be reflected as paid at the XXXX house and I can move on from this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Credit card debt) with Convergent Resources, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: ON XXXX/XXXX/15 CONVERGENT OUTSOURCING INC CALL ME TO COLLECT A COLLET ACCOUNT and requested for me to pay the XXXX XXXX XXXX ACCOUNT AND I DID PAY OFF A TOTAL OF XXXX AND NOW XXXX XXXX XXXX IS TAKING ME TO COURT THAT I DID NOT PAY I BEEN CALLING XXXX XXXX  AND NO ONE CAN HELLP ME I DONT KNOW WHAT ELSE TO DO.

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 09/21/2015 about Debt collection (Credit card) with U.S. BANCORP (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continuing phone calls from US Bank regading credit card payments. I am signed up with a credit card repair agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Mortgage) with Partners for Payment Relief (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: On XXXX/XXXX/XXXX, debt collector accessed my credit without my permission and claimed reason was for real estate application. I never submitted a request for credit application with debt collector. I made contact with company used to access credit and was referred to their Compliance Dept. on XXXX/XXXX/XXXX. Then was told that inquiry could be removed but only if I sent them a copy of my Driver 's License and social security card or a XXXX that shows my social security number. 

Company : XXXX/Partners for Payment Relief XXXX : XXXX XXXX XXXX Person whom I spoke with at XXXX is XXXX XXXX XXXX ) XXXX In XXXX XXXX debt collector filed a Notice of Default with County Recorders Office, to foreclose on property. I would like the inquiry to be removed from my credit. The Notice of Default was proper procedure for this type of debt collection, not an unlawful/deceptive access into my credit for any reason not authorized. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX of 2018 I submitted a letter to Experian about unauthorized inquiries on my credit report, they sent a letter back saying these inquiries were VERIFIED. I would like to know how they verified this information, because I didn't give anyone permission to pull 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 non-monetary relief
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: In  XXXX   XXXX , I sent a request to Equifax asking them to investigate some inaccuracies on my credit report.  XXXX  request was for  XXXX   XXXX   XXXX . Prior to this, I sent  XXXX  certified letters  (   XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  ) to  XXXX  requesting a balance and original document in its ' original form. I did not receive the requested documents from  XXXX , and instead received an incomplete request for repayment plan. I later sent a copy of the letter to Equifax requesting that they request the information from  XXXX . I called Equifax on Thursday,  XXXX   XXXX ,  XXXX  to determine the outcome. After speaking with  XXXX  representatives who were unable to assist me, I was transferred to  XXXX  in the Office of Consumer Affairs. He explained that my request for Equifax to investigate the inaccuracies with  XXXX  were not completed and did not offer a reason why. I ask for your assistance to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was scammed into buying what I thought was a one-year contract for XXXX. After one year my bill went from {$30.00} to XXXX. I told them unless they could put me on a cheaper plan I would have to cancel my service. They did not object, or give me any options, so I called XXXX XXXX and got a lower cost plan from them. I called XXXX and told them I wanted to cancel my service. Then I was told that I could not cancel without a fee to cover my TWO-YEAR contract. When I told them I did not have a two-year contract, they told me I did have one and that I could have gotten a cheaper plan with them.. But it was too late as I had already agreed to a plan from XXXX XXXX. 

Now a collection agency, CBE Group, is trying to collect {$220.00} from me and I ca n't afford to pay them. The letter contains this notice, " Unless you notify this office within thirty days after receiving this notice that you dispute the validity of this debt or any portion there of, this office will assume this debt is valid. If you notify this office in writing within thirty days after receiving this notice, that you dispute the validity of this debt or any portion there of, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment of verification .... '' I can not pay, and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: My manager deposited a check to my account as my paycheck did not go through for my first week of work. I never use a teller with my bank and I have been with this bank for over ten years. Bank of America charged me XXXX to use the teller. I never bounce a check and I never use a teller. I explained to them about the reason why a teller was used and it was the first time I have ever used a teller with Bank of America. I was told that they could not refund this. It is {$8.00} and they can not refund that back to my account? A bank as big as Bank Of America?? Really? This is absurd. These banks are getting away with murder and if it was not for the consumer, they would not even be in business. These banks are taking advantage of the consumer and it needs to stop. I seriously need to find a credit union. After a second call and notifying them that I was filing a complaint, they decided to refund the amount. You have to watch these banks like a hawk. Seriously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/31/2018 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (IL).
Issue: Struggling to pay mortgage

Complaint: I have never been this stressed out and upset with a process, it is absolutely unacceptable that my income is not being used even though Im providing proof of my income. It has been difficult to contact the specialist from Fay Servicing on my case which is XXXX XXXX. I have an organization helping me and they have not had any luck contacting her either. I have gone to the office of the people helping me and when they call Fay Servicing XXXX XXXX is either out of the office, or she has the flu or she is on another call. I ask for them to send her an email to call me or the organization helping me and they have not. XXXX XXXX supervisor has not contacted us either. The reason for all of this is because I want to know why for the third time they are not using my correct income. One of the times I was denied was due to me not circling my rent deposits on my bank statments as stated by XXXX XXXX. How absurd is this? Now I circled my rent on my bank statements and I sent everything over and they denied me for having low income. When I called in and asked what was the verified income they used to review my case I was informed by another Fay Servicing agent that the income used was {$1300.00} of course I am going to get denied because I dont receive this in rent. I receive more than {$6000.00} in rents. They are still not using the correct income. I dont want my home to sell and its become so stressful I have ended up in the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX based assistant Vice President for BOA XXXX XXXX who initially deceived me into believing she had my best interest at heart and almost within seconds tried to seize control of my banking, his intensified here apparent retaliatory effort that no they are so in non-compliance with CPF. As result of a credit not being issued for a claim again XXXX XXXX on XX/XX/XXXX they are now not only over drawing my account they are attempting to charge me fees. Again, had the credited the claim as required, there would be sufficient money to pay my debts and them some However, in as a BOA SVP has a state in profit sharing it is no surprise they are joining together retaliate by now taking my money And the CFPB stands by and does thing my XXXX XXXX continue to oversee BOES incredible non-compliance Thanks 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 monetary relief
Consumer complaint received 04/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: On XX/XX/XXXX, I noticed that my XXXX XXXX XXXX XXXX XXXX was missing. I called Customer Service at XXXX to report it as such. An agent by the name of XXXX stated that it was being transferred to the Fraud Department for additional verification, but ultimately I was told that it would be sent via regular mail as I didn't need the card immediately. 
On XX/XX/XXXX, the card had still not arrived, so I called Customer Service again and spoke with XXXX. The automated system indicated that they never sent me a new card. She apologized and stated that one would be expedited to me in 24-48 hours. 
On XX/XX/XXXX, when I still had not received my card, I called Customer Service again and spoke with XXXX ( operator ID # XXXX ). She conferred with a supervisor and ultimately notified me that through no fault of my own, my account had been closed ( something I verified through checking my credit report - it was closed on XX/XX/XXXX ). She stated multiple times that it was an error on their part and they would fix it. However, unbelievably, she said that it would take 4-5 business days to approve the reopen request and then they would expedite the new card in 24-48 hours. It is now XX/XX/XXXX, and I still do not have my card. If this is XXXX XXXX XXXX XXXX XXXX 's idea or expedited service, then I would hate to see standard service. At this point, I have wasted an inordinate amount of time, yet it's been over a month and I don't have my card ( an account which I've had for 16 years ). I also have little faith that they will follow through and remove the reference to a closed account from my credit 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 08-03-2015 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Credit card protection / Debt protection

Complaint: American Express informed me of a {$1.00} transaction on my card by XXXX Advertising. The Amex rep said XXXX seemed to be testing the card to make certain it was good. Amex let me change my card #. My complaint concerns XXXX Ads. I never gave it my card info. Someone did. What right to they have to be checking my card balance? How did XXXX get the card number?

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: From XXXX 2011 to present, all 3 major credit bureaus reported an extended late payment history on my account ( XXXX ) by the creditor/student loan provider, XXXX XXXX or XXXX  XXXX XXXX XXXX XXXX Assistance XXXX. The creditor also appears as " XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' on other reports. 

After receiving official documentation from XXXX XXXX stating that my account was inaccurately reported as late and that the account is now closed after being paid in full they still remain as active negative items on all three of my credit reports. 

Numerous letters, disputes, and phone calls have been made to the three major credit bureaus regarding this matter and yet none have helped remedy the issue.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A computer glitch that was TransUnion 's problem caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I have contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added and was denied. These inquiries add a hardship and my rights were violated by TransUnion.

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