milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-07-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Problems caused by my funds being low

Complaint: Recently, I needed to make a payment for my teaching course certification fee. I checked my available balance in my Wells Fargo checking account and noted I needed to transfer {$9.00} from my savings account to my checkings account to make my payment of {$600.00} without going into over draft. After the money was deducted from my account based on the available balance at the time, Wells Fargo charged me an over draft fee. The only reason I can find to explain is, is that the available balance displayed to me online was not accurate at the time of transfer and the currency conversion fee at the time had shown up as deducted but was not actually deducted from the funds actually available to me at the time. I have tried contacting my branch manager about this issue through phone and email several times at an inconvenience as I live XXXX currently and can not physically go into the branch to resolve this issue. Additionally, the automated overdraft protection service took the remaining money from my savings and transferred it to my checking account to compensate for the overdraft ; there still was not enough money to cover the amount over drafted, so I was charged the overdraft fee. Now after being guaranteed I would not be charged monthly service fees on my checking or savings account, Wells Fargo has charged a $ 5 monthly savings account fee. Essentially, both accounts have a negative balance and I have been unable to resolve this issue because of the unresponsive and uncooperative attitude on behalf of the bank manager at Wells Fargo. I would like to resolve this issue as soon as possible and have my requests met as I was not in the wrong as a consumer and Wells Fargo has been misleading and refusing to communicate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2017 about Debt collection (Credit card debt) with Diversified Consultants, Inc. (PA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: XXXX and diversified consultants keep calling and asking for a debt of {$1500.00} be paid and say the account was opened XXXX-2015 which ia not possible as i have had XXXX for 5 years. I have asked numerous times this be removed as it is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I made a payment of XXXX to GC Services on XX/XX/2015 and XXXX says that they are saying that I still owe a full balance so thy cant remover the collection from my credit report when I had settled the collection in full on XX/XX/2015 therefore I still is showing a collection on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/14/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: I returned a Lexus XXXX Leased vehicle to the local Retail Dealership. They sent the car to Lexus Financial Services who mailed me an Invoice date d XXXX/XXXX/16, for excessive wear & tear on the vehicle for {$980.00}. In addition, they continued to charge my checking account after I returned the vehicle for another {$590.00} payment. I have called them 7 times requesting a report, my account to be reviewed as there was no damage. They

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated robocalls from Portfolio Recovery. The calls come from a different number each time so they are difficult to block. I do not even have any debts so I do n't know why they keep calling me. My number is listed on the Do Not Call List.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: My mortgage lender ( Bank of America ) has done XXXX specific things that have cost me significant time and money:1 ) They refused to cancel my PMI for several months despite the remaining value of the mortgage falling below 80 % of the purchase price of the home. They claimed late payment for one or two mortgage payments as the cause for continuing to charge PMI yet the payments were set up as recurring in their system. Due to their system error, my payments were late ( both my checking account and mortgage are with Bank of America ). I was refunded the late fees because it was their error yet they still charged me PMI past the 80 % threshold. 
2 ) They are taking an egregious amount of time to process my refinancing and continue to increase the fees. I began the process of refinancing my mortgage in XX/XX/XXXX. I lost my job two months later and Bank of America was not able to complete the refinancing in those two months so I was stuck with a higher cost mortgage while unemployed. I now have a new job and re-started the refinancing process two months ago. This past week, they asked me what kind of home is subject to the mortgage. They have held the mortgage for nearly ten years, had me pay for an appraisal earlier this year and still do not know what kind of home it is? In addition, the fees they intend to charge have gone up significantly from earlier this year to today - an increase of over {$3000.00}. I am just frustrated because each month that passes is an additional month that I pay a higher interest rate. I am essentially paying them to take their time. On top of that, they are increasing the fees and asking me to pay for a XXXX appraisal in XXXX months. 

Finally, I have tried repeatedly for literally years to get a copy of the loan documentation from Bank of America where we agreed on the PMI and they have not been able to locate it. They have told me that I needed to pay PMI and did not have a choice in the matter and it does not matter that they have no record of me signing any documentation related to PMI.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Account opening, closing, or management

Complaint: I am a victim of identity theft, my sister, took my cards to XXXX accounts with pnc bank, she knew my pin because she knows I use the same pin for everything se withdrew cash, we look a lot alike and the bank would not credit that back to me, when they looked at film, she changed her XXXX to look like mine. There was XXXX in debits that were made by her that I have disputed and they are not returning everything, and the are putting my accounts in the negative, this is not my fault, I should n't have to pay for what was done to me.I should receive my credits, because I had n't used my card since XXXX because i had them closed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 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: Personal information incorrect

Complaint: My Twin Brothers name is showing on my reports, such as when i purchased my home and when i recently got home security installed

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 05/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed a 30 day late pay on XXXX XXXX. It is being reported XXXX XXXX I was in chapter XXXX bankruptcy and should be protected as this account was included in bankruptcy. The account has been paid off. I would like the late pay removed as al payments were submitted in my bankruptcy plan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I checked my credit and my hard inquiries had been deleted. They have been added back on without any notice. This has affected 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 02-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: so my mom flipped out on the phone w/ XXXX XXXX " '' un XXXX '' the state named XXXX and personally if i owned a bank i wouldnt for customer service, i wouldnt have my clients call some other planet where economy is diff, not us dollars money and law just hear me out. and the decisions made that board of directors have no clue and i dont know XXXX about economics law and credit for instance about a momth ago XXXX sent mom a letter stating since you havent used their card for i dont know 45 days were terminate ya acct which doesnt cost them overhead keeping acct open and by cutting a potential profit XXXX ceo would lose their mindZ not over a XXXX dollars but as a XXXX i dont think its good business protocol to cut potential profits and oh ya XXXX eventually tells mom five years ago they used to take a set amt every month but isnt i mean five years to without permission go into someones checking account not tell them not ask them not even the exact amount taken out five years ago. basically XXXX picked a round number hit subtract and put yourselves in moms shoes and out of all the defense exhibits defense counsel may show the jury XXXX aka XXXX decided fove yrs ago they had a deal. thats the diff between XXXX and everyone else XXXX never uses paper currency its numbers on a screen no emotional ties where as XXXX cards by citi bank and banks ots a life situation you have only so much paper currency everyday as XXXX day in a branch of citibank. where XXXX no bank lets say i bought a car on ebay but XXXX lost it in mail so you disute charge where XXXX immediatly freezes that amount until a decision is made XXXX they not only want you to pay for what you never received but they making profit on interest if you dont pay bill now when it takes XXXX XXXX months make decision its your fault they take XXXX months but i didnt get product and thats my fault and am responsible for holy XXXX XXXX and XXXX have insurance for what reason? and you see im sure you hear stories like this everyday but a ) it still goes on and b ) do ya jobs, the checking acct and credit card are two diff accts thst dont know the other exists and c/o the great state of XXXX and XXXX goes but both accts through our company wha you want a XXXX medal? if someone hacks my bank acct and police find out who withdrew funds they get arrested but then here we are. if you have any questions comments or concerns my house number is XXXX and please write me a letter via mail @ XXXX XXXX XXXX XXXX XXXX, newyorkstate 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 04/16/2015 about Payday loan () with Alliant Capital Management LLC (CT).
Issue: Payment to acct not credited

Complaint: The lender did not credit my account principal with any portion of the payments that were made. I found this to be very strange. I continued to make payments and my principal balance went unchanged each time. The principle balance was never credited, not XXXX cent. I began to do research and learned that XXXX offers payday loans that are n't enforceable in the state of Connecticut. This type of loan is illegal in the state of CT and Alliant Capital Management is attempting to collect on a prohibited high interest installment loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Debt collection (I do not know) with M&S Recovery Solutions (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They continue to call this number for someone we have told them many times is not at this number and we do not have a number for that unknown person.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion is incorrectly reporting my XXXX XXXX XXXX account as late ; charged off. This account is PAID IN FULL. The reporting was correct and was recently erroneously changed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Commonwealth Financial systems called from XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX I spoke to the representative who stated that they had a personal business matter. He asked for my address as they did n't have my SSN or birthday. I told the representative that I was not providing my address or agreeing to anything without more information as to the matter at which they were calling. The representative stated that they will mail a letter and that I was to contact them when I received the letter. I agreed to contact them once the letter was received.
OnXX/XX/XXXXat XXXX, I received a phone call from Commonwealth again. I told them I spoke to them less than 24 hours ago and was told that I was to contact them once a letter was received. I stated that this wass harrassment as we had agreed on how to proceed based on the amount of information they were willing to provide. I, then spoke to a manager that confirmed that I did speak to the representative yesterday and that a letter was supposed to be mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (I do not know) with General Service Bureau, Inc. (IA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a call from a male who wanted to verify my personal information. I refused to verify anything until he verified where he was calling from. He advised he could not dislcose this information without verifying what he was asking. I advised him not to call and remove my name from his list. He started to get aggresive and I hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Penn Credit Corporation (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, I moved out of my apartment which carried an outstanding balance of {$270.00} from XXXX XXXX, my electricity provider. I was not aware of this balance until XX/XX/XXXX. I paid in full on XX/XX/XXXX ( proof attached ). However, XXXX still sent my account into collections with Penn Credit Corp on XX/XX/XXXX several months after satisfying my debt. Penn Credit Corp reported my erroneous delinquency to all three credit bureaus which caused my credit score to drop 72 POINTS. I called Penn Credit Corp on XX/XX/XXXX to resolve the matter and a representative by the name of XXXX informed me that XXXX XXXX did not alert them that I had cleared my debt. I conferenced XXXX on a call with XXXX XXXX as proof and was told that there was nothing that could be done. XXXX XXXX is at fault. They sent me to collections after I paid my bill, they didn't alert Penn Credit that I was up to date and now my credit score has suffered tremendously and unfairly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Student loan (Non-federal student loan) with Express Aviation (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was a student of XXXX last XX/XX/XXXX. my XXXX shut its doors to us out of nowhere. I have a {$15000.00} private student loan with American Student Financial Group. My college was not to have used those funds until I started my XXXX term of school. The school was to exhaust my federal student loans first before touching my private loans. My school tuition totaled {$30000.00}. XXXX initially told me that my student loans were {$15000.00} and that in need another {$15000.00} to cover the cost through ASFG. That being said my private loan should have not be in use until the first week of my XXXX term. Unfortunately my school surprising shut down 1 week prior to taking our XXXX term finals. As of XX/XX/XXXX, I contacted ASFG and they told me that they are unable to discharge my loans. That they will off a discount on my principle loam. Which is absurd! Why am I going to pay {$15000.00} + 12/13 % interest on a loan I have not used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-07-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NC).
Issue: Making/receiving payments, sending money

Complaint: I had a Wellsfargo representative set up automatic payment on my checking account for my Wellsfargo automobile loan. I was told that the automatic payment was going to start XXXX/XXXX/16. I went up to the Wellsfargo on XXXX on XXXX/XXXX/16 withdrew {$200.00} to pay my automobile loan and was told by the teller that I did not have to pay because the money was scheduled to come out automatically. I then get a phone call from Wellsfargo beginning of XXXX that my payment was past due. So on XXXX/XXXX/16 I went up to the bank and withdrew {$240.00} and paid my past due balance and at the time I was told by the teller they made an error and the automatic will definitely become effective and the money would be taken out on XXXX/XXXX/16. I then get another call from Wellsfargo in XXXX that my account is now TWO months past due. So I went up to the Wellsfaro on XXXX on XXXX/XXXX/16 again to express my frustration and I then paid a total of {$530.00} to bring my account up to balance. I spoke to a manager who expressed to me he would get to the bottom of it. Then on XXXX/XXXX/16 they came to repo my car and come to find out the bank teller applied my {$530.00} to the wrong account ( my personal Wellsfargo loan instead of my automobile loan ). So once they figured out the mistake they made they did not take my car. Then on XXXX/XXXX/16 {$200.00} was a automatic payment taken out and again posted to the wrong account. My Wellsfargo account for the month of XXXX, XXXX and I believe XXXX are listed as delinquent as per the credit union. So I have been trying to get Wellsfargo to contact the Credit Bureau because it was their fault my accounts became delinquent and I have been going back and fourth with them since XXXX and no one has yet to rectify this situation for me. I was finally able to reach someone higher up by the name of XXXX XXXX ( not sure of the spelling of his last name ) at dealer services in XXXX who initially seemed like he was going to help us but after calling his phone ( XXXX ) for a week straight and leaving a voicemail every day with no response I feel like I am being ignored again! All I want is the delinquency to be taken off my account so I can move forward and begin my home buying process. This is extremely unfair that I am being penalized for something that was Wellsfargo fault and the fact that no one is trying to help me is unacceptable! Someone at Wellsfargo needs to be held accountable for what they did to my account.

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 10/27/2016 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, 2016 I disputed an account that was on my report from XXXX XXXX XXXX with all XXXX Bureaus - All the Bureaus removed the data except XXXX On XX/XX/XXXX16 I received an updated credit report from Equifax ( see attached ) stating that the item had been removed. On XX/XX/XXXX16 ( see attached ) I pull my report and confirmed it was removed. On XX/XX/XXXX16 I received a notice that the item had been reinserted on XX/XX/XXXX16 ( see attached ) and on XX/XX/XXXX16 I pulled my report and confirmed that the item had clearly been reinserted. This is a violation of the FDCRA and I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX I received an alert that my XXXX XXXX XXXX XXXX was 30 days late. I 've verified with XXXX  that the account is not 30 days late. XXXX also advised that they did not report this information to the credit bureaus. I believe this was intentional act by the bureaus as my son is involved in litigation with the bureaus. The has caused me financial hardship as I needed to open an account but with a 30 day late mark on my credit file I was denied.

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 10-12-2017 about Payday loan, title loan, or personal loan (Title loan) with Maximum Title Loans, LLC (AZ).
Issue: Struggling to pay your loan

Complaint: XXXX trucks repossessed after working with them on setlling on date agreed. I agreed to pay amount Paid {$2500.00} and they said it 's not current. Asked to pay additional {$370.00} with no details on fees tagged on. 
Actions taken. Called to request detail additional charges and advised I would pay to bring current to get trucks back. Plus I had received numerous personal harrasing text from the Company

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