milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2017 about Prepaid card (ID prepaid card) with CITIBANK, N.A. (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: Someone duplicate my debit card and the bank closed my account on the internet. When I called to complain, they asked me about the last transaction and they did not charge me for other charges they had then. Four months later I realized that there were fruity charges and after the investigation they reported that I spent a lot of time. I had not noticed these fraudulent charges because they closed my internet account and I informed them that I was out of the country so I did not have access to my account statements. Nor did the operator inform me that there were charges after my last transaction.

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 07/18/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I requested a new debit card on  XXXX / XXXX /17 because mine was stolen on that day so the bank Wells Fargo issued another card with a new number, I received it and activated it but never used it yet then on  XXXX / XXXX /17 I checked my account balance online and noticed   XXXX   check deposits where made on  XX/XX/XXXX  for $  XXXX / $  XXXX / {$500.00} at an ATM somewhere far in west   XXXX   far from where I live and do all my banking at then that same night there was a purchase at a   XXXX   XXXX   XXXX   XXXX   for {$3.00} with {$370.00} cash back for a total of {$380.00} then an ATM withdraw the next morning for {$300.00} I reported this immediately and was informed a few days later the claim was declined the bank said it was impossible for someone to copy my card because of the chip I ask how is this possible when the new card has never been out of my possession and I have not used the new card I ask if they mailed another card to a different address or what pin was used I feel this had to have happened somehow but the bank would not tell me anything I advised I filed a police report and the police need more evidence copy of check deposits camera footage they said I can get copy of the checks but camera footage they will not do unless ordered my the courts, I received the copy of the deposited checks and the signature is not mine. Ca n't the bank see this?

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 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On  XX/XX/2017    experian charged me {$21.00} for a credit monitoring service and the following business day I contacted my financial institution. I came in and they stated it needed to be disputed with experian and called them. Experian stated it could not be refunded because it was in the fine print of the {$1.00} fico score I payed for. They also stated they did n't have a customer relations department I could speak to. This all resulted in other auto drafts in my checking to go into overdraft and I the customer am left eating the entire cost. Completely unacceptable.

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 03/20/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Bank of America processed XXXX identical payments against my bank account which resulted in a negative balance on my Bank of America credit card. They have not returned the extra money they took.

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 02-03-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (WA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Formatted phone couldn't access account Accidentally click locked thinking it was unlock by text " Account is disabled '' please contact support Submitted ticket XX/XX/18 and made calls almost throughout the months No resolution or care about issue No response to e-mails always get same response " specialist or escalated ticket '' They have my all money tied up so I'll taking losses as it goes since its cyptocurrency I am unable to close account, move funds, or transfer to new account I did nothing wrong, illegal, or unauthorized access to be investigated for this LONG Offer to provide ID, SSN, ALL transactions, and whatever info they need to PROVE

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have repeatedly informed them that I am permanently XXXX and ca n't repay this loan to no avail. This has been going on for years. I tried to pay early on, but could n't manage it. I 'm in repeated forbearance for this reason. This has been going on for years.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (VA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I currently have an auto loan with BB & T and noticed that my most recent payment had not come out of my account. When I logged on to see what was going on it showed that the payment had been reversed. This is the second time this has happened! The first time BB & T called to inform me I was late on my payment ( I then had to pay a fee of course ) and when I asked why I was never told the payment was reversed they had no answer. I found after that I missed the last XXXX on my routing number which was why my payment was reversed. I receive emails that my payment has been processed but NEVER that it was reversed. How am I supposed to know that I did n't make a payment when my records from BB & T show that it was?

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
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: I contacted cap ital one abo ut a payment program because I am a   XXXX   XXXX   who had a reduction in work hours. I was told I was accepted into the program and to pay  XXXX  a month. I paid the  XXXX  a month and my account never updated or my bill never reflected anything about the program. I called back and I was told the lates on my credit report would be corrected I was also sent a letter regarding the corrections capital  one  would fix on my credit report which they never did. I called again and spoke with a  manager  and he assured me to keep paying the  XXXX  that my next bill would be updated. Still did n't receive an updated bill with that amount. Ca pital one ha d ruined my credit because of their mistake. They sent a letter saying they would fix my reports in  XXXX  but they never did. I also was n't sent any materials about my assistance program.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit bureau is reporting inaccurate information to credit file, I have no accounts or contract with creditors. In addition unauthorized inquiries were listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXAcct # XXXX XXXX-Acct # XXXX I have asked for proof of Id of person who open the accounts as well as other identifiable information

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 01/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with DYNAMIC RECOVERY SERVICES, INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was told that I have this XXXX XXXX debt that I did not obtain. I filed a fraud claim with XXXX XXXX back in 2014 and was told that they do not have any substantial information to say it was mine. I do n't understand why I am still getting harassed to pay a debt that I have already filed a fraud claim for and was told they did not have a signature or anything on file. So I need for the XXXX major credit bureaus to permanently take this off my account and I need these debt collectors to understand that this was fraud and my personal information was used. They are selling each other debts that is useless and fraudulent.

Company response to consumer: Untimely response
Consumer complaint received 07-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (MO).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I closed my credit card account with First Progress due to them charging me fraudulent fees. <P/>They have on my credit reports that I owe them {$250.00}. My credit line was {$300.00}. I actually owe them {$150.00}. First Progress should not be in business because they are cheating their customers in fraudulent fees charged. <P/>I want an investigation into First Progress also I want you to get them to correct my balance owed to {$150.00}. <P/>Waiting for a reply, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I have a Wells Fargo retirement account from my employer for over 9 years. Just recently in XXXX and XXXX I received XXXX e-mails from Wells Fargo. The 1st e-mail has the subject line of " Questions about your new account? Schedule an appointment with a banker, 'my name ' ''. The XXXX has the subject line of " Manage your mortgage online ''. I neither opened up a new bank account nor a mortgage with Wells Fargo. As you can imagine, I was surprised and worried that my information was used inappropriately to open up new accounts with Wells Fargo. After I called them and inquired about it, I was told that I was put on these accounts but they could n't remove me from them and I was n't the primary account holder. They stated that if I wanted to know more I 'd have to go to a branch. Well, after all the news that came out about Wells Fargo and the fake accounts, I went to a branch today. I was now told that these are not my accounts, but rather somebody who shared the same identity and to e-mail their phishing department - which is contrary to what they first told me on the phone, and which I do n't think is the real issue. I am truly concerned that my XXXX XXXX is being used to open fake accounts and I can not do anything about it. Please 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 05/25/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CO).
Issue: Account opening, closing, or management

Complaint: I opened a XXXX Checking account with special offer code XXXX ... for which the offer was that after specific transactions were completed I receive XXXX mile credited to XXXX XXXX Advantage Account. 
I called in to open the account and specifically requested this special offer to the Customer Service Rep who opened the account with NO issues and NO disclosure that this offer was " targeted ''. The welcome book sent for new account opening even has the disclosure for the special offer program with the terms and conditions provided. 
Once I completed the necessary transactions I requested the Citibank validate the completion and provide an indication on the timeframe of the credit going into my XXXX Advantage account. I received an email back from Citibank indicating I was n't eligible for this promotional offer as it " targeted '' and they would NOT award me the points. At NO time during the opening of the account did the Customer Service Representative indicate this was a targeted offer and that I was not eligible to open account. The account is a high monthly fee service charge of $ XXXX/mo. 
I opened an investigation into the issue, knowing that this is n't " fair '' and certainly appears to be a " bait and switch '' marketing tactic. 
Citibank responded to the investigation requesting I provide the source of the special offer, which I believe was on the XXXX XXXX website in XXXX 2015. I was searching the internet to see if I could locate where I may have run across this offer, when I saw numerous reports and complaints filed with the CFPB over the same special offer that Citibank was refusing to deliver on the special offer of XXXX miles for XXXX XXXX. 
This is very concerning that such a large institution as Citibank is not standing behind their marketing campaign 's, allowing consumers to open checking accounts under false pretenses/expectations. 
To make matters even more frustrating a family member of mine that that lives at the same address opened the same account with the same promotional offer and has received his miles credited to his XXXX XXXX account. At no point did he receive any push back Citibank indicating he was n't eligible since the offer was targeted. 
This feels like discrimination and that Citibank does n't have compliance controls in place to regulate these accounts to insure fair treatment of all customers.

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 11/29/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: On XX/XX/XXXX I went to the XXXX XXXX branch of chase bank located at XXXX XXXX XXXX XXXX, XXXX XXXX ga.XXXX, to handle my mounthly banking business..I went to cashbox # 6 and was taken care of by a cashier named XXXX.there were two transations that took place.first I transferred {$2100.00} from one account ( XXXX ) to account # XXXX, the second transation was a cash deposit of $ XXXX.on the XX/XX/XXXX I received notification from the bank of checks being returned for insufficient funds.On the XX/XX/XXXX I met with the branch manager,  XXXX XXXX where it was discovered that the {$280.00} was not deposited The manager made several calls after whuch she informed me of the procedures which had to be followed i.e tracking deposit slips etc ... I was recently informed that no further actions have been taken to rectify the mistake.in reviewing the receipts it was found that the cashier deposited {$20.00} instead of the {$280.00} ( which I am attaching to this compliant.In order to cover their mistake I had to deposit additional funds to cover the checks and fines

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Prepaid card (General purpose card) with INCOMM HOLDINGS INC. (MI).
Issue: Unauthorized transactions/trans. issues

Complaint: Hi, I purchased XXXX prepaid myvanilla debit cards with {$500.00} on each XXXX, in XXXX Mississippi on XXXX XXXX XXXX from XXXX. I activated XXXX of the cards immediately, I used said card and since the transaction went through I threw away the packaging and receipt from the cards. I do however have a witness that was with me when I purchased the cards who is willing to testify to this. The first card I activated, and used a few times, XXXX states someone else " claimed ownership '' of the card. I still have physical custody of this card so I have no idea how this happened. The second card I activated on XXXX XXXX, I used it once at a hotel in Mi that I have been a patron of for several years. XXXX XXXX XXXX, XXXX stated that card had been reported stolen. I am the only person with my card number and I did not report the card stolen. I have disputed these claims with XXXX, I have called them several times, I have emailed them, I have faxed them a complaint, all to no avail. If XXXX had returned my cash to me I could have gotten to work and only been slightly inconvenienced. I work for the XXXX and I travel the country, usually alone. I had a family emergency and I had fly to Mi. I left my vehicle XXXX miles away with the intention of purchasing a return flight when I arrived in Mi and could XXXX the family emergency in person. I earn a very modest wage, I do not have a savings account. The money I placed on the cards was the only available cash I had to my name. I am currently still stranded in Mi. I lost my job because of this situation, which cost me {$1600.00} in wages. I plan to also contact an attorney regarding this, I feel XXXX owes me not only the cash on my cards but also the wages I lost. I am XXXX miles away from my vehicle, my belongings and I 'm now out of employment. I appreciate any help you can offer with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I want CapitalOne to enable me to share my financial data with 3rd party applications and affiliates such as XXXX. These programs help me monitor spending, budgets, transaction and theft alerts. I should have easier access to this information through the choice of who I share this information with.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (Home equity loan or line of credit) with BANK OF THE WEST (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I took out a second mortgage with Bank of the West in XXXX. I just recently refinanced my first mortgage and consolidated the second mortgage as well. when I call to get a balance, it did not seem correct. I requested a print out of payments of my account. When received, I noticed that there were XXXX payments never applied in XXXX as well as other payments not applied correctly. Through 4 weeks of phone calls, messages not returned, I was told by them that they were looking into it, then it was sent to the wrong department, then someone else was assisting. I let them know I was refinancing and needed this resolved as it was going to be paid off shortly and still no one contacted me back. Now the loan is paid off and I am still fighting with them to audit my account as I believe they overcharged me and owe me money in return as there were payments made that were never credited to my loan. I was told by the final person that was supposed to help me that it looked as if I was ahead and to not bother having an audit as I may end up owing more than they are showing and to be happy with the balance due although they could not put it on paper to show me a proper print out of the payments.

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 10/18/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On or about XXXX XXXX 2015, I noticed while checking a copy of my credit report, a charge for a line of credit that I did not request. The company was " XXXX XXXX '' financed by " Capital One Retail Services '' and the amount was {$1300.00}. I immediately contacted Capital One and all three credit reporting bureaus and informed them in writing via certified mail of this error. It is important to mention that up until this time, they did not have my mailing address and therefore had not been able to contact me. I also should mention that I have never been in a " XXXX XXXX '' store. I clearly informed them that this was a fraudulent activity or a mistake and I requested documented proof which is my right and which they are obligated to provide at my written request according to the Federal law which is governed by the " Fair Credit Collections Act '' and the " Fair Credit Reporting Act '' as enforced by the Federal Trade Commission. They failed to provide any documents and continued to harass me for this debt eventually selling the debt to " XXXX XXXX XXXX '' a collections agency. Similar written requests were made with this collection agency with similar results. They have violated my rights as well by failing to show proof of the validity of this debt. 
They continue to harass me for this debt and are negatively effecting my credit report and FICO score, again violating my legal rights. 
It should be clear to them of the following facts that they continue to ignore. First, the name on the original Capital One charge is " XXXX ''. My name is " XXXX ''. Second, I reside at XXXX XXXX XXXX XXXX NOT XXXX XXXX. And lastly, they have refused to send me a document that I signed with my social security number and signature. Why? because no such document exists.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with HEAD MERCANTILE CO., INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Please review the attached XXXX XXXX, 2015, letter sent to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Virginia XXXX - XXXX RE : XXXX XXXX XXXX XXXX XXXX ( XXXX ) - Account Number : XXXX Referred by : Office of the Ohio Attorney General In response to my above complaint, I have received a letter dated XXXX XXXX, 2015, from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case XXXX XXXX, stating they are in process of reviewing my complaint, and that it may take up to 60 days to complete. On XXXX XXXX, 2015, I sent an inquiry to them regarding my claim, and have not heard back, as of yet. Until this issue is resolved, please remove this inaccurate information placed on my credit file, because it is incorrect information reported. The XXXX XXXX XXXX XXXX and its malfeasance against me as a consumer have been duly noted.

Company response to consumer: Closed with explanation