milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo is constantly trying to add additional products and features to my account. I have a checking and credit card with WF ; they asked if I wanted to link the XXXX in the event of an overdraft the credit card would serve as my overdraft protection. They sold it as, do n't ever get denied at POS and do n't worry about paying returned check fees. Money transferred to the checking account to cover a transaction is done as a cash advance and paid at a higher interest rate. The credit card allows for a cash advance feature, which is just borrowing funds at the higher rate, but no charge. When money is advanced from the credit card with the overdraft protection feature, it is done so with a considerable fee. I think the fee is a way of WF layering fees and costs because they can. Obviously this is n't requiring anything more than electronically transferring of funds, which is a option without fees. Again, I can transfer money or take a cash advance at no charge, but due to an overdraft ( where I am obviously short funds ) I am being taxed by the fee and the additional higher interest rate. I think that if WF offers the " Protection '' they should be limited to collecting the higher interest on a cash advance and not be able to charge a fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: To make this short and concise, I will describe the situation. 

Enhanced Recovery put an XXXX collection on my credit report a few months ago. I have attempted to dispute this account with the XXXX credit bureaus because I have had uninterrupted service with XXXX XXXX XXXX for 15 years now. The credit bureaus claimed that this account was verified as legitimate by Enhanced Recovery. 

After calling Enhanced Recovery, a representative named XXXX XXXX could n't say what the debt was for and could n't provide me with details of the charges but instead kept telling me to go talk to XXXX XXXX XXXX about this debt. When asked to speak to his supervisor, the line was put on hold and eventually hung up. They were called immediately back and I finally spoke with a supervisor. 

The Supervisor claimed that it was for a landline phone that was connected from XX/XX/XXXX to XX/XX/XXXX he claimed that bills were sent to me with no response but he gave me an address I have n't lived in for many years. When the supervisor was asked why XXXX XXXX XXXX had never sent me a bill or contacted me about this debt he could n't answer. When asked why his company had n't contacted me either he still could n't answer. Finally, when I asked why his representative XXXX XXXX could n't say what this debt was about and why I was being told to get any relevant information from XXXX XXXX XXXX themselves but now the supervisor himself supposedly had the information to give me the supervisor could n't give me a response either. 

This debt is not mine and I do not owe XXXX anything. I have had service with them for 15 years and if I truly owed them anything they would have notified me. After all, they do have my current phone number and address. This debt is invalid and I believe Enhanced Recovery is trying to collect this debt fraudulently. They already " verified '' it with the credit bureaus when they know full well they ca n't. 

This account is literally the only account preventing me from buying a house and if Enhanced Recovery does n't quit it 's illegal collection tactics I will be forced to sue. Houses are n't getting any cheaper and I am not getting any younger.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a XXXX account which was reported by TransUnion for {$540.00} on XXXX XXXX, XXXX. The current fees is {$550.00} from a citation processing center whick I know nothing about. However these collections were posted on my credit report on XXXX XXXX, XXXX. This is a serious matter that conflicts with my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Payday loan, title loan, or personal loan (Installment loan) with Personal Loan Service (OK).
Issue: Charged fees or interest you didn't expect

Complaint: I was hung-up on twice by each person in the office. 
I feel that I was overcharged on the Garnishment ... ..I was charged twice for Court Fees after My Employer had already replied to the Company. I was already on an existing Garnishment and the Company knew that and went ahead and filed again on me, charging me over {$100.00} a second time for the Court costs.

Company response to consumer: Untimely response
Consumer complaint received 10/15/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I made a request to Nationstar Mortgage to cancel the ongoing private mortgage insurance. A few weeks after a home inspection by an authorized Nationstar approved appraiser, I received a form letter with a reason checked off that my mortgage balance had not reached a qualifying percentage of the " Original Value '' meaning the contract sales price of the property. I called the phone number associated with the appropriate department at Nationstar and was told that the correct percentage is not computed on the home 's contract sales price but on the amount financed through the mortgage. I believe this to be incorrect and attempted to explain my views to no avail. What is the correct way to calculate a balance subject to the PMI? The contract purchase price of the home was {$400000.00} with the remaining balance of approximately {$280000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have an account that appeared on my credit last year from XXXX XXXX on behalf of original creditor XXXX College and it was deleted off of my XXXX, XXXX and Transunion report by XXXX the dispute date was XX/XX/2017. Some how it has been reinserted this month on my XXXX, XXXX, and Transunion reports by a new collection agency going by the name of XXXX XXXX XXXX XXXX. I was not notified in writing or phone call about this debt nor does this account belong to me as I have placed a fraud alert on my credit files due to breach. It was previously removed from not being my debt and it was resold to another collection agency. I want this account removed back off of my credit reports immediately this is a violation of the FCRA by reinserting a deleted account back on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Currently the Department of Education/NELNET is reporting to the XXXX major credit reporting agencies negative events of 120 day late related to my past account XXXX from XXXX XXXX. I subsequently filed bankruptcy chapter XXXX XXXX XXXX and included these loans in that proceeding. Pursuant to Chapter XXXX bankruptcy guidelines late reporting should cease at the time of filing. The Department of Education/NELNET continues to report this information after numerous disputes to all three of the CRA 's. After the conclusion of the chapter XXXX bankruptcy process and subsequent discharge the student loans have been refinanced.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (I do not know) with Joseph M. Tobin, PC (CT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On the date XXXX XXXX, 2017, Law firm XXXX XXXX XXXX threatened to file a civil judgement against me if I did not respond to their fraudulent claim of a civil dispute between us. There is none to my knowledge.There must be a contract between us. Contract Law supersedes all Federal and State Rules, Regulations and Statutes. 

If you are the Fiduciary in this matter, I will need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for you to enter as a third party to this alleged civil dispute, nor to issue letters of threat to my private property or person, including you, reporting to various credit reporting. 

My house is private, my telephone and e-mail are private. My person is private and for private use by myself and by those with whom I may contract. If you are attempting to enter this alleged civil dispute without a contract or my permission, you are in trespass. ( XXXX XXXX XXXX v XXXX XXXX XXXX XXXX ( XXXX ) ). I am not a corporation. 

Produce a Contract, Delegation of Authority, Regulatory Authority or  cease and desist. Unless you are a Secured Party, Holder-in-Due Course, Creditor, Debtor or Signer on the Original Contract, you are a third party. You are a liability and no assistance. Take Notice : You are lawfully and legally dismissed. I will not discuss my Private Affairs with an Unqualified Third Party. 

In your next correspondence, please forward the instrument that establishes my obligation to perform as you request, plus your ID and Delegation of Authority ( to wit : UCC3-501 ( b ) ( 2 ) ) otherwise you will be accepting my offer to provide pen pal services at {$1000.00} per correspondence. If you accept my offer to provide this service, simply send any correspondence other than what I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: loan servicer is VERY unhelpful for very simple customer services issues for military service member : 1-payments made toward PSLF are not updated and require many many emails or calls to update. 
2-Income driven repayment recalculations due to changes in income are not properly vetted and despite submitting tax returns and XXXX 's they do not make the changes. 
3-employment recertification is PAINFUL every year. i am in the military on XXXX XXXX but every single year my recertification is denied, rejected, or needs to be re-submitted for one reason or another. 

please help servicemembers receive better support!

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit card () with WELLS FARGO & COMPANY (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: While traveling in XXXX, I was at an establishment that in addition to the correct charges hit my card for {$3200.00}. I disputed these with Wells Fargo as I had not authorized any beyond the first and, after producing alleged " signed receipts '' that were nothing but a vague scrawl ( and note that the establishment had an actual copy of my signature to work from ), the bank denied the dispute. In addition, it is shocking that it was not detected as a possible fraud, as no activity remotely like this had never happened in the entire time I had an account at Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2017 about Vehicle loan or lease (Loan) with CarMax, Inc. (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I have decided to go through my retail contract and it seems that I am paying too much for my vehicle. My interest rate is 13.45 % and my finance charge is {$12000.00} over 72 months and amount financed is {$25000.00} with {$0.00} down with a monthly payment of {$530.00}. Now at the time when I financed the vehicle, my credit score was XXXX. Im not sure why my rate is so high and why my finance charge is through the roof. Every time I make a payment it doesnt seem to put a dent in my over all balance. How is it that I purchased the car XXXX/XXXX/XXXX for {$25000.00} and still owe {$25000.00} as of XXXX/XXXX/XXXX. I am beginning to feel like I am a victim of credit manipulation and now my credit is suffering because the payments are not being applied accordingly. I would like to have my contract evaluated because the numbers do not add up. And furthermore, there is a warranty on my contract that was never discussed with me and I never agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have loan serviced by Ocwen that I had enter into a loan modification, Loan # XXXX I had been in the modification process for over two years and as I modified and went through and the hoops the service was putting me through that were outrageous, having to supply the same documents over and over and over. a hundred of more phone calls more working with attorney company to help me get a modification. In the end they denied me a Harp or a Hamp modification with principle deduction because my credit report did not show my current address as my home address it showed my office address. even after supplying tax documents, utility documents and county records that the house was indeed my residence they still denied me the government sponsored modification. and further more told me if I did n't do the in house modification, agree to it with in 24 hours that they would foreclose. The in house modification tacked on {$220000.00} worth of penalties and interest. I do n't see how this is fair at all and this cant be what the harp and hamp program is about.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: I could add money on the XXXX card and then load the money to my XXXX account for my daily spend. But I did not notice the pin has already been scratched when i purchased this card and in this case the money load will directly go to the first purchaser who originally scratched the pin and loaded some money. And this happened at the XXXX store.After I went home, I found that the pin was scratched and called XXXX card and I immediately called XXXX to file a dispute. They have identified that it is a fraud and has requested XXXX to suspend the XXXX account of the original purchaser of this card and instructed me to file a police report to further get my money back. 
After I filed the police report and the officer who was in charge told me that he contacted XXXX and XXXX told him they would not disclose any info unless there was a subpoena. 

Again, I filed a dispute regarding this with my XXXX card which I used to make the purchase but it was denied due to the documentation provided by XXXX that it was activated. Yes, it was activated but the money went to the theft who put the used XXXX card in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: CENTRAL FINANCIAL CONTROL/SYNDICATED OFFICE SYSTEMS HAS A DEBT LISTED ON  XXXX ,  XXXX , AND  XXXX  .THE   DEBT  IS FROM ABOUT 5 YEARS AGO FOR  HOSPITALIZATION  AT  XXXX    XXXX   XXXX     XXXX     XXXX  IN  XXXX   CA.The ac count number is  XXXX  .I unde rstand that CFC has  a    XX/XX/XXXX  CONSEN T ORDER and that my case i s one of  them from   XX/XX/XXXX - XX/XX/XXXX   that  CFC was required  to forgive and send abo ut 100 dollars t o me of the  XXXX  dollar portion of the fine they were required to pay for not doing debt validation notices.CFC HAS NOT DONE THAT and has verified recently with the credit bureaus ... .so they continue the same behavior during the consent order supervision period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have sent in disputes to Equifax on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX and have yet to receive one notification that my disputes have been received, reviewed or fixed for that matter. It is my right as a consumer to dispute and have items corrected on my credit file that should not be there and/or are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have several XXXX student loans these loans have been in deferment or forbearance since I left school and as I look back thru the records they are showing online XXXX XXXX /Navient have been charging late fees as far back as 2007 which is ludicrous. And my loans were originally being serviced by XXXX XXXX, now it is being serviced by Navient. 
I began repaying my loans this year and all my payments have been stolen to pay for fees I do n't owe. I am considering legal action against Navient/ XXXX XXXX and the dept. of Education for not doing their due diligence in monitoring these crooks. I want my money for fees credited to my loans and no more XXXX from Navient. what can you do to help?

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: After being denied a secured credit card through XXXX, I was redirected to get a free copy of my credit report through Experian. I have tried multiple times to complete the application and continue to be stopped by " unable to process your request ''. I have used there online system and phone system several times ; as well as spoke to a supervisor by the name of XXXX, who could not help me resolve this issue and continue to redirect me to another site for a " free '' credit check or pay for membership. As a consumer I have the right to a free copy of my credit report when it is used in an application. Theory have left me at a dead end and I can not find anyway to resolve it!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2016 about Debt collection (Auto) with Adler Wallach & Associates, Inc. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collection agency is reporting an exaggerated amount owed as well as reporting a different amount to each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Fraud or scam

Complaint: Four weeks ago I made a 4 day trip to XXXX and used the wifi at a hotel to check BTC ticker in the Coinbase app. I returned home ( US ) on XXXX XXXX, and when I tried to login to Coinbase I got this message : -- -- -- -- -- - We have reason to believe you reside in a country in which Coinbase is prohibited by law from doing business ( XXXX ) per the sanctions imposed by the U.S. Treasury Department 's Office of Foreign Assets Control. As a result, weve unfortunately had to close your Coinbase account. If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us at XXXX immediately and provide us with a copy of a photo ID and proof of your current address. If your account has a balance you will need to contact the U.S. Treasury Department to request permission to access your funds. -- -- -- -- -- -- I have a balance over XXXX in their account, and need access to my funds. I have contacted them multiple times since then, over multiple channels ( XXXX, social media, email, XXXX ), and sent the required information to prove my address with a valid id, etc, and I have gotten no response from them. I found this thread, which was someone with the very same issue, and they got it resolved within two weeks of contacting support : XXXX XXXX  XXXX It 's been 24 days of my account being blocked, and I have heard nothing from Coinbase. There 's no phone number, no chat, nobody to talk to. I have already reached out to the CEO @ XXXX, and various members of their team, to no avail or response. It 's like they evaporated from the face of the earth. I can not understand a bank holding substantial funds for its customers that do not answer support request, which forces me to believe they are a fraud now.

Company response to consumer: Closed with explanation