milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2018 about Money transfer, virtual currency, or money service (International money transfer) with WELLS FARGO & COMPANY ().
Issue: Fraud or scam

Complaint: Date : XXXX XX/XX/XXXX My company name is XXXX XXXX XXXX XXXX XXXX -XXXX located in XXXX XXXX . We have a vendor XXXX XXXX ( XXXX ) XXXX - XXXX. We purchased books from them and will remit settlement to to their account occasionally. 

Since XX/XX/XXXX, someone in XXXX hacked into our e-mail server, change the e-mail content from our vendor XXXX XXXX ( XXXX ) XXXX, asked us to remit to a new account in for the beneficiary name XXXX XXXX ( XXXX ) XXXX  with Wells Fargo. 

From XX/XX/XXXX until XX/XX/XXXX, we have made 3 transactions : 1. on XXXX XX/XX/XXXX US {$50000.00} Remit Date : XXXX XX/XX/XXXX TT Reference No. : XXXX Beneficiary Name : XXXX XXXX ( XXXX ) XXXX Beneficiary Bank : Wells Fargo Bank Beneficiary Bank Account : XXXX Remittance Amount : USDXXXX 2. on XX/XX/XXXX Remit Date : XXXX XX/XX/XXXX TT Reference No. : XXXX Beneficiary Name : XXXX XXXX ( XXXX ) XXXX Beneficiary Bank : Wells Fargo Bank Beneficiary Bank Account : XXXX Remittance Amount : USDXXXX 3. on XX/XX/XXXX Remit Date : XXXX XX/XX/XXXX TT Reference No. : XXXX Beneficiary Name : XXXX XXXX ( XXXX ) XXXX Beneficiary Bank : Wells Fargo Bank Beneficiary Bank Account : XXXX / amended bank a/c # on XX/XX/XXXX to XXXX Remittance Amount : USDXXXX When we found out those transactions are involved fraud on XXXX XX/XX/XXXX, we reported to the XXXX XXXX Police immediately and we made call to Wells Fargo Bank to report those bank accounts involved fraud, the staff from Wells Fargo Bank have checked those accounts and mentioned that those accounts ' holder name are not the same with our beneficiary name XXXX XXXX ( XXXX ) XXXX. She asked us to send the claim form for refund of remittance via our local bank XXXX XXXX XXXX. 

We did submit the 3 claim form for refund of remittance via our local bank XXXX XXXX XXXX on XX/XX/2018. However, our local bank XXXX XXXX XXXX advised that the Wells Fargo can not refund the remittance due to those accounts are closed. 

We XXXX XXXX XXXX XXXX XXXX would like to submit a complaint to Wells Fargo Bank. Why the beneficiary name XXXX XXXX ( XXXX ) XXXX of those accounts are not matched and they still transfer money into those accounts? Wells Fargo Bank seems allow those fraud bank accounts holder open those bank accounts so easily and without limitation. 

Best regards, XXXX XXXX General Manager E -  XXXX T - ( XXXX ) XXXX XXXX F - ( XXXX ) XXXX XXXX M- ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Payday loan () with CASHCALL, INC. (WA).
Issue: Received a loan I didn't apply for

Complaint: I 've applied a payday loan many years ago through the internet and paid off since. Then a call came in last year about this, at first the scare tactics worked, I 've paid over {$2000.00} before my bank called me about someone was trying to get money out of my account from overseas, this is when I knew it was a SCAM and changed my cell phone and bank account number. I 'd then consulted a lawyer who told me to stop paying and if it 's a legit debt collector, they would have something in writing of the debt and to check my credit report. I have not received anything in the mail from this company or was it on my credit report. 

Then 2 to 3 weeks ago I 've been receiving robotic calls again from XXXX at home and work stating that I need to call back XXXX with claim # XXXX. I 've called an attorney today and they told me the claim # provided from XXXX, there is no such claim or case number against me. I have been reading posts on this number and all the post states it 's a SCAM and suggests that I report this number to CFPB and the attorney suggest that I call the attorney general 's office and file a complaint, so this is what I am doing. I 've blocked the number from my home but they find other ways to call.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Settlement process and costs

Complaint: I have received instructions from Nationstar that I have to place a property into XXXX so that it can go to auction. We already have a purchase contract on the property and have submitted it for review of a short sale to Nationstar. How does adding time to the short sale review process by placing the property in auction benefit the consumer. It potentially could make the current buyer walk and we are then at risk of not getting any other offers. Now the seller has suffered as he has no buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (PA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: I have with XXXX XXXX XXXX, .XXXX,  XXXX XXXX which has XXXX XXXX XXXX XXXX. I was retired from my job at the XXXX XXXX XXXX  due to medical reasons. onXX/XX/XXXX. Because of the medications i take are XX/XX/XXXX I am unable to drive. I called Ally to surrender my car XXXX XXXX XXXX which I purchased in XX/XX/XXXX. It was in excellent condition with less than 10,000. miles. I sent Ally the medical information. 

They dent me as debt collection letter stating that I owe them {$16000.00} because they sold a {$300000.00} car for {$16000.00}. I had several credits on this account totaling {$1800.00} which they kept. I have just recieved my first pension check which of course is not enough income to pay this bill.

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 04/14/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An erroneous credit inquiry was associated with my credit report. Because the algorithm that calculates FICO scores relies on the number of inquiries made in the prior 2 years, the erroneous inquiry negatively impacted my FICO score. The inquiry hit my credit report within 3 days of the incident. After faxing the request to remove the erroneous inquiry to Equifax as instructed, I am told it takes 60-90 days for the inquiry to be removed. According to XXXX, whom I worked with on this issue, " That is standard industry practice and there is no alternative. '' In the next 60 days I have to move. The erroneous hit on my credit report and resulting decline in my credit score will cost me money, as the score is used to determine the deposit required on a new apartment. Given the power of the FICO score, it is totally unreasonable for Equifax to take 60-90 days to remove an error when it takes less than a week from an incident for the error to appear. By comparison, it takes only 41 days for Equifax to report its corporate earnings for the entire year to shareholders -- a far more complex task than removing an error from a single individual 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Wrong amount charged or received

Complaint: I have a COINBASE account in which I transferred XXXX from my bank account directly to their XXXX bank account ( details as provided by the coinbase app payment screen ). This was over 3 wks ago ( XXXX XX/XX/2018 ). 

The bank has confirmed that the money left my account and went across. 
The money should go into my coinbase account and should clear in 2-5 working days. However it still does not show and COINBASE are refusing to respond to my queries or look into the matter. I have sent 3 or 4 emails over the last few weeks to little response. They sent me a holding reply 2wks ago saying they will look into the matter ( a one liner ), but have not yet done anything about it. I am now down XXXX and a XXXX bank charge. 
Coinbase are supposed to provide crypto currency services but all they have done so far is stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I paid off my loan with sallie mae years ago and now they are putting negative information on my credit report. The loan was settle and paid off around XXXX but it still shows on my credit history as of XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Funding LLC has added {$150.00} to a collection reporting on my credit report. I have contacted and spoken with many representatives with this company in regards to the increase, none of which can explain how this increase was calculated and to what the contractual interest rate the original account was opened with thus preventing me to properly dispute the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Please refer to # XXXX and # XXXX submitted on XX/XX/XXXX and XX/XX/XXXX respectively regarding the issues with XXXX or XXXX. 
Previous complaint ============================= At that time - this company simply tried to put the matter under the carpet/rug. I am facing the same issue since XX/XX/XXXX. I have updated my XXXX profile so that with my cell # - my XXXX XXXX account is associate and NOT Wells Fargo. Wells Fargo was the old one and ally bank is the new one. But still anytime any payments which are coming to my cell # - it goes to the old account ( Wells Fargo NOT XXXX ). I reached out to XXXX and then to Wells Fargo ... everybody ask me to reach out to somebody else ... so no accountability and ownership at all. Today I called at XXXX during XXXX XXXX to XXXX XXXX and talked to XXXX about the same issue. Case # XXXX has been created for this. All the calls are going to XXXX to some very naive customer service associates. When the customer wants to talk to the higher ups - they simply tell that even higher up will do the same. I end up paying fees from the bank due to this. ============================= Now Spoke to XXXX at XXXX ( Level 2 support ) for around 18+ minutes during XXXX to XXXX XXXX  CST. Have the entire recorded conversation and could share with you. Previous complaint. Till now this issue is going on. My payments ( made to my cell # ) some times goes to XXXX XXXX and sometimes to Wells Fargo. I have to maintain two accounts and it's a lot of hassles. Nobody ( XXXX, Wells Fargo and XXXX is taking the accountability and responsibility ). I want old fashioned ACH transactions with ABA Routing # and the A/C # s - at least it was clear, non ambiguous, no buggy and we were aware - what's going on. XXXX - has no non mobile interface. People like me who are not that comfortable with the mobile screens are struggling. Moreover XXXX App - doesn't even shows you which account it is associated with and how to change it to something else. It's something which is untested and not even ready to be used for real world and introduced a lot in hurry. It's very dangerous and chaotic. Worst wait time on the support is too much ... Wasting time with XXXX, Wells Fargo and XXXX customer service for no fault of mine.

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 11-06-2017 about Money transfer, virtual currency, or money service (Virtual currency) with CITIBANK, N.A. (ID).
Issue: Other transaction problem

Complaint: On XXXX XXXX, I tried to collect {$170.00} from Citicards Reward program. I was unable to collect it with a deposit to my new credit union account because I had changed my bank account info the first week of XXXX. They would only transfer the money to my OLD bank account ( which fortunately had not been closed yet, but could have EASILY been closed. ) In order to collect the money they owed me, they insisted on transferring ONLY to my old account. 

I had already deleted the old bank account from my 2 Citicards accounts ( Citicard XXXX XXXX and XXXX XXXX XXXX ). Then I entered my new credit union account. All was well on the payment side, but NOT on the Rewards side. The bank changes did not transfer there, and ONLY my old bank account remained ( although I had already deleted it. ) When I added my new credit union info I asked when I could put the Reward dollars into my new account? They said after one payment cycle. After the payments for both accounts had successfully cleared my new credit union account in the first week of XXXX, I asked for them to deposit my Reward dollars in my new credit union account. They said NO, and that it may take 2-3 payment cycles before that could happen.
I do n't understand why they could n't do this, based on the fact that my payments cleared on both cards. It is like they can take my money from the new account, but are hesitant to allow my Rewards ( which I have already earned ) to go there. Why? My account had been " verified '', and there should be no reason to deny me this.
I asked for a supervisor to push it through, since I was leaving on a month long trip soon. She refused. In order to get the money, I had to deposit it to my OLD account, and then write a check off that account, and drive to my Credit Union to deposit it. It makes NO sense to me that I should have to go through all this after my new account had been verified. Very poor customer service, and for no logical reason, in my opinion.

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 07-05-2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My uncle has been a Fifth Third Bank member for many years. He has kept about {$500.00} in his checking account and over {$12000.00} in savings as of XX/XX/XXXX. The bank has a so-called courtesy transfer so that his checking account is kept current in order to pay any checks when his balance goes below zero. He has been paying his bills through the checking account. His income comes from Social Security ( {$660.00} ) and is deposited in his savings account. He has paid hundreds of dollars in these courtesy transfers. They are {$12.00} for each occurrence. By the beginning of this year he started running low in his savings. The first few months of XX/XX/XXXX he accumulated about {$110.00} in overdraft fees. From the XX/XX/XXXX. statement to the XX/XX/XXXX statement he had accumulated over {$1300.00} in return item and overdraft fees. I did not find out until XX/XX/XXXX that he was ( {$500.00} ) in  arrears because of all the excessive fees. We started managing the account from then on to help pay for his bills. The bank did not help rectify this problem. My uncle was hospitalized during this time. Documents show he has XXXX XXXX XXXX and has XXXX XXXX XXXX. The bank has charged over {$2000.00} in fees over the last several years. I realize that the bank has rules, however considering the circumstances I feel that the bank had made my uncle whole through the courtesy fees and in his frame of mind felt that the savings would always cover his bills. In 2 months he was charged over {$1000.00} in overdraft fees. All I want is a fair evaluation of his situation. With the use of modern technology I feel the bank is being unfair to charge this excessive amount in fees. My uncle has no more resources other than Social Security to live on. Fifth Third is advertising about no ATM fees. The courtesy fees and overdraft fees from my uncle are allowing the bank this gimmick.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Prepaid card (Gift or merchant card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Unauthorized transactions/trans. issues

Complaint: American Express gift card was used by unknown person in California on XX/XX/2017. We live in NJ and have not been to CA. Two {$1.00} charges to XXXX in XXXX ( card was supposedly swiped-magnetic transaction. Then on same day, online {$270.00} XXXX transaction which put the card at XXXX balance. American Express will not take any action and does not consider this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I HAVE HAD A MORTAGE WITH BANK OF AMERICA SINCE XXXX XXXX XXXX AND HAD A MODIFICATION XXXX XXXX AND HAVE BEEN PAYING IT EVER SINCE AND WOULD LIKE MY MORTAGE MAYMENT TO BE POSTED TO MY CREDIT BUREAUS EVERY MONTH SINCE MY MODIFICATION,

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 05-02-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: In my Online Banking there is an ebills section where I get pre-selected electronic bills from approved  merchants.. All of them ha ve a due date, just like any bill would have ... except for  XXXX  ...       XXXX   has established this auto pay without my permission & furthermore, there is not specified date to know when it will be debited to secure fund for that money grab of my account.     There has been  2  separate attempts by BOA/ XXXX  to deduct the owned balance which resulted in Over draft fees, which should have been eliminated the last CFPB complaint agains t BOA..      This is a MAJOR issue of overdraft fees t hat BOA is gaining d ue to unscrupulous practices.

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 09/18/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax has me living at XXXX different XXXX, PA address. I have NEVER lived in XXXX, PA. So whatever collection is associated with this address should be taken off. 
Equifax XXXX reported an account from XXXX thru XXXX XXXX dated XXXX XXXX, XXXX in the amount of XXXX. I have n't had a XXXX account since XXXX. 
XXXX reported XXXX Insurance dated XXXX XXXX, XXXX in the amount of XXXX. I dropped XXXX Insurance in the year XXXX. In fact last year I received a XXXX refund thruPA Unclaimed Property. The XXXX XXXX XXXX XXXX for XXXX was paid this week. 
I tried calling Equilfax but was unable to connect because I did n't have a equilfax report number.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (NM).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Stellar Recovery Inc. has placed a collection report for {$100.00} on my XXXX report as of XXXX/XXXX/2016 with no communications via mail or phone. If they claim to have notified by mail, I have not received them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Improper Credit of Payments during Bankruptcy : We filed Chapter XXXX Bankruptcy on XXXX/XXXX/XXXX and our mortgage company was XXXX XXXX XXXX. The servicing transferred to Specialized Loan Servicing ( SLS ) on XXXX/XXXX/XXXX. We made all payments to the Trustee, who subsequently made all mortgage payments directly to the lender. Our case was discharged on XXXX/XXXX/XXXX. As part of the Notice of Final Cure, the Bankruptcy Trustee stated the SLS claim was paid in full. In response to the Notice of Final Cure on XXXX/XXXX/XXXX, the XXXX Attorney stated the pre-petition arrears have been cured and the post-petition payment in the amount of {$4700.00} was delinquent. We paid the {$4700.00} amount and are current on our loan serviced by SLS. Even though we complied with the Final Cure and paid the delinquent payments, SLS is stating we are behind on our payments. 
No Notification Regarding Payment after Discharge from Bankruptcy : SLS sent no notification to make payment after our BK discharge ( XXXX/XXXX/XXXX ). Also, we could not access our loan information on line until XXXX/XXXX/XXXX. We made several calls to SLS and were even told not to make a payment until they reviewed our loan. We did not know when our next payment was due. Our second mortgage, XXXX, sent us a letter indicating the amount of payment and place to make the payment. All payments were made timely to XXXX and XXXX did an excellent job keeping us informed. Despite many attempts to obtain accurate information from SLS, it became clear there was no one competent at SLS to answer our questions regarding the amount and due date of the payment. 
Incorrect Pay History : This error has resulted in inaccurate amounts added to our loan, such as interest and late fees. We received a verification of mortgage on XXXX/XXXX/XXXX which is also in error. 
Improper Credit Reporting : We applied for a loan with XXXX XXXX and were denied due to SLS showing we are currently delinquent on our mortgage.

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 08/19/2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I admit to having business with XXXX XXXX but have never once been told I owed them money and I still receive letters to this day regarding a business I once owned but not 1 stating I owed them any money yet CAINE & WEINER COMPANY INC has reported on my credit that there is a debt in collections before sending me any kind of letter or even trying to contact me by phone. Is this not illegal to take action on my credit report before notifying me of any debt?

Company response to consumer: Closed with explanation