milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I heard the news that wells fargo banks charges fees on unauthorized opened accounts. Around year 2007, I refinanced my home mortgage and when I was about to signed the papers with the notary person in my home I found out that my refinanced bank for my home mortgage was with wells Fargo bank and I was charged a {$300.00} fee if I do n't signed up for the direct deposit to pay for my future home monthly mortgage amount. I thought at the time that was unethical practice to charge a fee just to avoid direct deposit. However, I paid the {$300.00} fee to avoid the direct deposit and to avoid holding up my refinancing home mortgage. I was not informed of the fee when I was going through the refinance of my home mortgage until the closing of signing the paper. Is this a common and legal practice to charge a fee to avoid direct deposit for future payments of a loan? Hope you can help.

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 08/14/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Making/receiving payments, sending money

Complaint: HERE IS THE FIRST EMAIL I SENTGood Morning XX/XX/2015 re stop payment removalOr it was until this happened! @!!!!!!!! 
I put a stop payment on a payment I had made to XXXX that cost me {$31.00}. ... I now have to pay a late fee because when I went to pay XXXX online it did n't work. I was not told that it takes 2 business days to remove it. I called the so called Customer Service Dept. and what he said floored me., " I am sorry but there is nowhere in the script that says to tell you about the 2 days it takes for it to be removed. The supervisor XXXX XXXX told me that.. I said " does n't that sound ridiculous '' ... The XXXX answer was " that 's what it says '' Now if I do not get that {$31.00} removed and that script is not changed I am going to write to the Banking Commision as this is ludicrous ... also my daughter is an XXXX and I know she would love this story ... 
XXXX EMAIL XXXX.XXXX.2015Since this email below that I have not received a response to now I am having a hard time believing that no one can help me release a stop payment ... What in the world has to happen behind the scenes to get a release down. Sounds to me like the airline co. that charge you to flip a switch which made the judge pretty mad. 
so now my XXXX payment will be 6 days late because first no one let me know when I set up a stop payment that it takes 2 Business Days to release it ... First ludicrous statementand XXXX I release it XXXX Wed XXXX XXXX and now I find out it wont be released until Mon XXXX XXXX ... 
SO SINCE NO ONE IN THIS CO. IS WILLING TO EVEN ANSWER ME i AM NOW GOING TO THE BANKING COMMISSION AS WELL AS XXXX XXXX TO EXPOSE THE RIDICULOUS BANKING RULES THAT PROBABLE ONLY APPLY TO CUSTOMERS WHO RUN YOUR BUSINESS AND NOT THE PEOPLE THAT WORK THERE.\

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-04-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (NY).
Issue: Unauthorized transactions or other transaction problem

Complaint: On XX/XX/XXXX, I tried to sent {$700.00} to my friend through PayPal. However, after I completed the transaction, I found out it sent out as eCheck, instead of instantly transfer. So my friend cancelled the eCheck transaction right away, which was at a pending stage. I thought I did something wrong, so I repeated this transaction four times. Everyone of them showed up as eCheck and was cancelled right away at the pending stage. I was confused about the issue and contacted customer service. He told me that since I cancelled, nothing will happen. The reason of using eCheck is cause by my bank. So I contacted my bank, they suggested me wait another day. The next day, I tried twice and showed up as eCheck as well. I found strange and checked my bank account. 
All those transactions was PLACED on my bank account. Eventually, all those six eCheck transactions that I made and cancelled, are hitting my bank account. 
They do refund my transactions, but the problem is I was charged overdraft fees SIX times due to the eCheck transactions. 
I contacted the customer service and the supervisor. The supervisor XXXX said, in order to cancel eCheck, you have to contact the bank, which was my first time hear that. She also said I should let my bank waves the fee. How my bank supposed to know my cancellation activity on PayPal? 
I strongly believe that PayPal should be responsible for all my overdraft fees due to the following reasons : 1 ) On their Help Center Page or Terms, they didnt state sender needs to contact the bank to cancel eCheck even at pending stage ; https : //www.paypal.comXXXX XXXX https : //www.paypal.comXXXX  2 ) sender will not realize they are using eCheck until the transaction actual placed ; 3 ) When the cancellation happens, there is not warning or instruction for both sender and receiver that indicates official cancellation need to process through the bank. There are two transactions even pulled out from my bank account and become my PayPal balance. 
4 ) the last but not least, when the first time I contacted the customer service, after my four transactions, he didnt tell me anything about contacting the bank to do cancellation. If he did, the situation may be different.

Additionally, when I contacted the customer service, 2 representatives just being silent, and said nothing but there is nothing we can do or pushed my to go my bank. They made me sound like someone being irrational and ridiculous. 

In conclusion, my issue was caused by PayPals terrible customer service, lack of information, and poor instruction. If they did something on any parts above, my situation may be avoided. So I think they should apologize and cover the overdraft fees from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Mortgage (Conventional fixed mortgage) with ADVANCE MORTGAGE & INVESTMENT (CO).
Issue: Credit decision / Underwriting

Complaint: I have periodically received solicitations from this company and they have always looked too good to be true, but XXXX one I received on XXXX had a ridiculously low rate and APR that I knew could not be had. I called the company and stated I wanted to take advantage of this 3 % 30 year fixed rate on my home, my credit is excellent and value is there and he stated he could not do any better than the 3.75 % I had. I stated I wanted the rate on the letter and he said he could not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling me at my place of work everyday.when I told them My employer does not allow me to receive calls here at work.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (I do not know) with Financial Credit Service, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I been contacted several times by some individual claiming to be a representative of ARA Inc, a collection company based out of IL. 
Despite having made clear the fact that I owe no such debt and I have never engaged in any business with the associates bank the original creditor of the collection account.ARA Inc has continued to contact me about an outstanding account in the sum of {$5200.00}. 
The contact has been through phone call as well as letters.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (I do not know) with Bass & Associates, P.C., Attorneys at Law (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I, XXXX XXXX was contacted by letter from Bass & Associates. The letter was address to the Estate of XXXX XXXX. Now prior to this, I had been receiving treating phone call recordings from a debt collector on my cell phone but discarded as scams and blocked them each time from my cell or at times I did call back with no result. Now, once I received this letter I right away called this cooperation. I gave my name only and she confirmed with me that I was alive. I said yes, and wanted to confirm they were talking about me, due the fact that my mother and I have the same name. She stated this is a current debt and its with XXXX XXXX not XXXX XXXX ( my maiden name ). She started to ask me to confirm my social security and that I did not have to. I said, you should have this information. You sent me this letter. I asked her can you please tell me the debt so I confirm this is my debt or not. She said no ... But that she will forward the information to there client that I have not passed. And that they can continue with collection with this debt. That I will here from them. 
I feel as a consumer I have no where to go ... and no one to contact. I receive no collection notices, no bills, and yet this letter comes to my home, stressing my out, and now I have no idea what or who I owe money to. And this Bass & Associates will not tell either. How am I to solve this issue if no one will tell about it. Or contact me in a formal way.. these people are sending a letter of stating I am dead. How will this affect my credit, my future status, I am upset and stressed over this. 
Please Can you help me

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Customer service / Customer relations

Complaint: I received a notice from Capitol One that they were issuing me a new card and account because XXXX of the merchants I had dealt with had a security lapse. I have been trying to get the name of the merchant and they seem to be stonewalling me. Their chat line wo n't accept my valid input, their phone representatives ca n't seem to access the information and they refuse to email me the information, stating that a name is too sensitive. What can I do? This is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with CORELOGIC INC (NV).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On line looking at a car. l did not authorize hard credit. l was not even interested in the car. Just looking and talking to dealer.

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 03-06-2017 about Debt collection (Credit card) with STERLING JEWELERS, INC. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Kay Jewlelers continued to contact my family my mother, sister, brother even after I wrote letter of hardship offering to pay {$50.00} a month until debt was paid. They practice unlawful practices and harass other members of my family in other states - I have asked them to stop these practices. I have offered to pay a minimum of {$50.00} a month. I have tried to close account to freeze interest. The website will not close the account nor will they close via letter request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that wasused to verify the accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible.Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Bank account or service (Checking account) with BB&T CORPORATION (PA).
Issue: Deposits and withdrawals

Complaint: I received a fraudulent check as the result of responding to a job opportunity posted on a XXXX University website. I deposited the check in good faith to my personal BB & T account and, in accordance with instructions from the unidentified perpetrator of the fraud, I withdrew funds from that account when advised by BB & T that said monies were " available. '' In turn I deposited {$5000.00} to a Wells Fargo Account - the name and number of which I was given by the perpetrator and I wired {$300.00} to a person whose name was also given me by the perpetrator - in CA - also as I was directed. 
There is ample evidence that I did not benefit financially from this scheme. I was not made aware of the fraud until XX/XX/2016 when BB & T froze my account and confiscated the remaining balance, including approximately {$400.00} of my own money that pre-dated the deposit of the bad check. Subsequently, I have cooperated with BB & T branch employees at your XXXX office, the XXXX Police Department, ( Det. XXXX, XXXX, ( File XXXX ), and XXXX University, ( Investigator XXXX, XXXX ), who, in-turn, notified XXXX Bank, ( Investigator XXXX, XXXX ). 
Besides taking the balance of funds that pre-dated the bad check, BB & T is threatening legal action against me, including the filing of adverse credit reports with various credit reporting agencies. I have been told by persons who have examined a copy of the fraudulent check that BB & T should never have deposited it in the first place because the check itself bears an admonition that " two signatures are required if over {$5000.00}. '' ( The check shows only one signature and it is illegible. ) If the banks mistake in depositing the check is the source of all subsequent problems, including the loss of more than {$5300.00}, I would like BB & T to admit their mistake and forgive me the debt they are pressing to collect..

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 06/22/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Santander Bank offered a promotion of funding {$220.00} banks after certain conditions were met. Those conditions include direct depositing an amount of {$500.00} or more, and keeping the account open for 90 days. Terms and conditions say it may take up to 30 days for funds to appear in the account after the 90 days. I open an account and funded the initial deposit on XXXX XXXX, XXXX. It has been 125 days since that date. I made two direct deposits to the account, each of a sum of {$500.00}, on the XXXX of XXXX ( approx. 30 days after account opening ) and another direct deposit on the XXXX of XXXX ( approx. 45 days after initial deposit ). I have established good standing with the account and no fees applied, due to continuation of direct deposit. After not receiving and funds after 120 days, I called the bank. A customer service representative told me I should call back later in the week if the funds were n't posted. I called back later that week, and was given a reference number. Was told to call on the following Monday. I called on Monday, and was notified that the bank was performing 'research ' to establish if I would receive the funds from the promotion. I believe the bank is delaying paying me in hopes not to provide the funds offered from the promotion for fraudulent reasons.

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 05-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My husband and I both graduated from law school in the mid  XXXX  's and  XXXX   XXXX  suggested we do a joint consolidation of ou r Fede  ral Student Loans. This has been a disaster as we are not ineligible for Public Service Loan Forgiveness, but th e communication issues and bad advice did not stop there.     In  XXXX , we applied for  an Income Driven Repayment plan an d we were approved. We had a payment of {$0.00} for most of the  three  years we were on the plan. At some point during this time,  XXXX   XXXX  switched  to Navient. Navient lo st our paperwork for  XXXX , even though they sent us an email saying they got it. The girl I talked to on the phone told me that our payment would still be {$0.00}. I did not think another thing about it until  XXXX   XXXX . I recieved a call from a company called  XXXX  telling me our student loan was in  Default. ( Our cred it is now ruined thanks to this ) and we had no clue that there was even a problem. I calle d Navient an d they claimed to have NO RECORD of this loan or transaction.     Based on what I can tell from  XXXX ,  Navient apparently had transfered our loans to a state agency in NY -- - XXXX  ? who  again never contacted us, and even if they had, we would not have known who they were or that we had ever agreed to do any business with them ( because we did not ). I sent  XXXX  ( at there r equest ) a n email asking them to open an investigation into the matter in mid  XXXX . Ab out 2 weeks a go, we recieved a letter telling us the investigation was still ongoing and that we did not have to do anything. Then today, on  XXXX   XXXX , we received packets from this  XXXX  and  XXXX  telling us that we have 11 day s ( until   XXXX   XXXX   ) to request a hearing and a copy of our records in writing, or they are going to pursue a garnishment against us. We have had zero  communication regarding the outcome of the investigation, and this should require a minimum of 30 days notice under the FCRA.     Most shockingly, our balance was increased from {$170000.00} to {$210000.00}. I was laid off at work this month due to funding cuts, and so this is causing me significant stress. My husband is a school teacher, and we are just not in a position to pay the original debt much less the extra money they added on due to their error. They refuse to listen to me or properly investigate this matter, and I am really hoping you can help since you are familiar with their shady business dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Student loan (Private student loan) with AES/PHEAA (NJ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: This is Regarding XXXX XXXX Student loan borrowed for my daughter and I Cosigned. Loan amount of {$26000.00} borrowed on XXXX/XXXX/XXXX to the renowned Education institute XXXX. My daughter graduated successfully with GPA of XXXX with Dual degree ( XXXX XXXX Program ) with her hardship and managed to get a job in XXXX XXXX XXXX. As a reward to her hardship, we borrowed money from our relatives and paid off the principal with the agreement of payment in monthly. but I am getting charged from XXXX XXXX the interest of {$6100.00} for the past 3 years however i have paid {$25.00} per monthly towards interest. My daughter have written a letter to XXXX to forgive the Interest on the Loan as the principal has been paid. She already has Loans from XXXX XXXX, started paying monthly. But XXXX communicated through AES that it is denied. An entry level employer making $ XXXX in XXXX XXXX XXXX, Living in XXXX paying for 3 different loans and in addition to honor the exorbitant interest charged by XXXX is unfair and atrocious. It is practically impossible to live by paying for 3 loans, paying Rent, food and other expenditure with that money. We are ordinary middle class people did n't have enough savings ( hence borrowed in the first place ) are being sucked into these programs to keep up the value of education from renowned institution. We are being ripped off by XXXX ( Via AES ). so, Beware of Private Student loans from XXXX, it is not trustable and they do n't value your honesty, integrity or hardship. All they want is suck your blood to death no human consideration or fairness. Loan Program : XXXX, current interest rate is 9.320 % ( Really?? from a novice young student who wants to graduate and start their life )

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (OR).
Issue: Managing, opening, or closing account

Complaint: After a terrible experiencing using the American Express ( AMEX ) Serve Card my account is closed. On XXXX/XXXX/XXXX AMEX sent me a letter [ CFPB ref No : XXXX Ref : XXXX ] stating for me to once again call their Customer Service Account Protection Services @ ( XXXX ) XXXX to obtain my account refund of {$450.00}. ( image attached ). 

I have contacted them over 5 times ( usual delays, and communication with their operations are horrible ), the most recent was on XXXX/XXXX/XXXX and I was told very clearly that in 48-hours my refund will be mailed to my confirmed address registered with AMEX. 

It is now XXXX/XXXX/XXXX and I have NOT received my account balance which AMEX owes me. 

I intend to pursue the collection of the money that AMEX owes me to the full extent of the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I called XXXX Navient told them I was being double billed. They told me I wasnt. I pulled 6 months on payments available to me online - I was never late. Called back XXXX - asked Navient why I had to pay double then and addironal {$30.00} to get my account to zero! They could n't answer questions talked circle. Said I was two days late XXXX of XXXX. Why would my billing be fine till now and there is a 15 day grace period which it was paid within 3 days - talked more circles. Now I have paid $ {$250.00} for a XXXX payment that should only be {$110.00}. They sent me and email today stating only {$100.00} was applied to my account as of XXXX!!! For real! I have emails, bank statements, printouts from Navient website it 's not correct and when I call them they wo n't fix it.

Company response to consumer: Closed with explanation