milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Deposits and withdrawals

Complaint: I live paycheck to paycheck. I check my bank account balance daily if not XXXX a day. The bank I use, Wells Fargo offers online and text banking so it makes it very convenient. The problem is they do not match up. Some of the dates that transaction posts change. For example on XXXX night, the XXXX, I checked my balance through text banking. I had {$380.00} in my account. The next morning, XXXX the XXXX, when I got to work at XXXX I went online and checked my balance and transactions. It still said I had a balance of {$380.00}. At this point I realized I still had XXXX checks outstanding and I needed to transfer money from my savings. I transferred {$1200.00}. That would cover the {$1500.00} in outstanding checks. XXXX hours later I received and email saying my account was over withdrawn. Again, I went online and I see that both those absent checks had cleared but XXXX of those had a date of XXXX the XXXX. That transaction was not on my statement in the morning. They hit me with XXXX overdraft fees. They did it after I transferred the {$1200.00}. I 've noticed some variances in my account before. I noticed that checks and withdrawals move around on the statement. For example, I wrote XXXX checks, XXXX for {$100.00} and XXXX for {$160.00}. According to my text banking the {$100.00} check was posted on the XXXX. But according to my online banking that check was cashed on the XXXX and the check for {$160.00} was cashed on the XXXX. Not to mention that I can not verify what the balance of my account was after each transaction because their online banking is formatted in such a way that it wont allow. It is simply a list of debits and credits and a total at the top. I really feel that Wells Fargo is choosing what dates they want things to post to get more money in fees. I went to the manager and he was unwilling to do anything to help me. I would really appreciate it if someone would look into this. This is predatory, greedy behavior. I should not have lost {$70.00}. I only bring home {$XXXX} a week and I 'm a single parent of XXXX. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Chase bank customer service has notified me earlier this afternoon that they are ending the relationship with me all because of a fraudulent check. The person who sent me the check said it  was US C ertified and it will clear within a week. But it did n't, and they ended up freezing my account to where I ca n't use it. I went to a manager today on  XXXX   XXXX ,  XXXX   XXXX , LA and showed him the police report stating that I am not responsible for the mishandling of account. I have  XXXX  case numbers to prove it. My family who work for the police station is working with me on getting those people arrested and sued.  XXXX  has already removed several charges on my SLATE card that was unauthorized if you requested to check on this.     I 've had too many problems with chase customer service that I 'm at the point of leaving them for another bank. They did n't think I was a good customer while  XXXX   XXXX  did and understood what I was going through.     If they do n't get this problem fixed and decide to report me to  XXXX  I will be notifying the department of treasury at the white house for illegal closing of an account without a good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Consumer Loan (Installment loan) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Managing the loan or lease

Complaint: XXXX XXXX XXXX, received debt consolidation loan at XXXX % to payoff high interest loans. One of those high interest loans was to Navy Federal Credit Union ( NFCU ). I had XXXX write NFCU a check for {$32000.00}. On about XXXX XXXX XXXX, I noticed an unusually large amount still in my account. It appeared NFCU has not cashed their check for {$32000.00}. I called NFCU to see what the issue was. The rep stated NFCU returned the check because of an endorsement issue but they have fixed the issue and will apply the check towards the balance. The rep stated I would be getting a letter stating the check was returned but ignore it because they fixed the issue. I checked the next day and just like NFCU stated, check # XXXX for {$32000.00} to NFCU was cashed then returned. I checked NFCU website to confirm it was applied towards the payoff balance -- it was. I did the checks for the mid-month income XXXX XXXX XXXX because the next week I would be in XXXX done. I wrote the final check for {$97.00} to NFCU. Came home celebrated the holidays. Saw a large amount in my account when I was doing end-of-month checks. XXXX XXXX XXXX, I called XXXX and told them about the letter I received from NFCU. The XXXX rep stated NFCU still has the check. I checked NFCU website -- It stated the loan was paid off in full. That meant that XXXX must have credited my account instead of debiting my account or they have not posted it yet or whatever. I transferred a large amount to the saving account because they are connected. So XXXX can claim the money anytime they wanted. On XXXX XXXX XXXX, I received confirmation the loan at NFCU was paid off. Presently, forgot about the whole situation, that is why I take a lot of notes. So when XXXX take the money or call me about it, I know why. On XXXX XXXX XXXX, I tried to withdrawn {$100.00} from my NFCU account. I could not. I assumed it was because of the reported fraud. I went home to pick up brochures for a campaign and out of the blue NFCU calls me talking very fast. Basically telling me I owe them some money for some reason, and asking how do I want to pay. On XXXX XXXX XXXX, I called NFCU to get the particulars. The phone kept transferring me so I waited for the NFCU to call me back at XXXX as the rep stated because she did not have all the information, it was just dropped on her desk. I did not like that NFCU 's first inclination was to take all my money when it was so easy to see that I pay my bills on time. I have not been late on a payment to any organization for at least the last 12 years and have very good credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to get a 24 month mortgage payment history from my current lender, HSBC. I have been trying to get it for over 2 months and tell me they will send it but they never do. They just send letters acknowledging my request. I am trying to refinance out of this high rate adjustable mortgage and they are prohibiting me by not providing my mortgage histories. The new fixed rate loan I am trying to get will save me over {$500.00} per month. How can they refuse to give me this information? They are keeping me in a very bad loan and causing me financial hardship. Everytime I call they say they will send it but so far I have received XXXX letters acknowledging my requests. I did get one history but it was completely ineligible and they did not send one for my XXXX mortgage as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Back in XX/XX/XXXX I applied online for a US Bank Cash+ credit card with a bonus offer of XXXX if you spend XXXX or more. This card also offered 0 % interest for an entire year. I had also received a brochure for this same credit card with the XXXX incentive and 0 % APR offer in the mail, im assuming because US Bank is the lienholder of my mortgage.

After US Bank called to verify information with me about a week later I was approved and received the card in the mail. I made the requisite purchase amounts on the card of over XXXX but had not received the funds. At the end of XX/XX/XXXX or beginning of XX/XX/XXXX, I called US Bank Credit card services to inquire about my reward as it had been well over the 6-8 week process time.

When speaking to customer service they indicated that I was not eligible for the reward even with speaking to a supervisor. The online offer did not come with exceptions and I was even given a full years worth of 0 % interest which was also a part of the offer.

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 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I hate to be a pest about this, but I have been trying to make sure that only accurate information appears on my report to no avail. I have submitted copies of my FTC ID Report, along with copies of police report filed a long time ago validating my assertion of theft and or vandalism of property along with my ID and drivers license etc. I also attached a Certified Notarized copy of my ID Theft statement. 

I continue to have several inquiries and attempts to open new accounts in my name even though i have placed fraud alerts on my accounts. I need these items deleted from my credit report as I have not authorized these items not the following accounts. 

Inquiries : XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX - XXXX/XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX XXXX -XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX - Opened XX/XX/XXXX - This account shows balnce of XXXX - This account should reflect a XXXX balance as I have paid this account off in a month.

XXXX XXXX  ( All Accounts still showing I have done business with them but this is not true and results from Accounts being established in my name without my consent. )

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 03/29/2017 about Credit reporting () with ERC (OK).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX reports that I opened an account in XX/XX/XXXX. I opened no accounts of such type in XX/XX/XXXX. The account was opened in XX/XX/XXXX. They illegally changed the date of opening this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (NC).
Issue: Loan modification,collection,foreclosure

Complaint: When I separated from my ex-husband in XXXX XX/XX/XXXX we agreed that he would take the house and transfer it into his name. In XXXX XX/XX/XXXX I received a late notice from U.S. Bank that stated the mortgage payment had not been made. I went to the house and discovered that my ex-husband had moved out and destroyed the property. I informed the mortgage company, U.S. Bank, in XXXX XX/XX/XXXX that I was no longer able to make the mortgage payments and the house was vacant. I informed them that I will not contest the foreclosure, I just need it to be completed ASAP so the time can start to run on my credit report. The foreclosure is still not complete even though I have called U.S. Bank several times and told them to take the house out of my name. They could not provide me with an explanation as to why the foreclosure has not been completed or what the delay is. I have just been informed that the mortgage loan is still showing on my credit report as an open account that is not being paid. Due to the U.S. Bank 's delays my credit score has dropped over XXXX points and continues to drop every month. I understand that because of the foreclosure my credit was going to be hurt, but this is ridiculous. An uncontested foreclosure usually takes an average of 120 days. The foreclosure on my home has now taken over XXXX days due to unknown delays.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Credit card () with ENCORE CAPITAL GROUP INC. (LA).
Issue: Sale of account

Complaint: I would like to file a complaint against midland capital funding LLC for attempting to Sue me and Collect on an Old XXXX Debt, that they Purchased from XXXX XXXX in XXXX or XXXX, the account was opened in XXXX by me, and Midland Funding Bought The Charged Off Account in XXXX or XXXX, and they are in the process of suing me, at this Time. Louisiana XXXX states that after 3 years a company can not attempt to collect on this type of account. The Statue of Limitations has Expired.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Bank account or service (Checking account) with U.S. BANCORP (TN).
Issue: Problems caused by my funds being low

Complaint: I check my account every morning and noticed overdraft fees on my account. I called US bank to help with the issue and had little to no help in answering my question or helping with my issue. I have XXXX accounts and transferred money when I noticed XXXX overdrawn by XXXX. Although I did this I still got charged. I haved banked with this bank for years and yet I could not get them to help me in any way. I had no issue with the fee associated with the XXXX but not the others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Debt collection (Credit card) with CITIBANK, N.A. (MA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Threatens to collect the debt using XXXX fraud department tactics and possibly legal action or XXXX without debt credit card collection practices, before revealing it to the consumer. Using letters and unable to identify my person and asking to send without faxes my personal social security card license and other forms of identity. Without good reason or cause for harassment as if it is to protect the consul from creating too much unsecured debt.

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 08-03-2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX XXXX XXXX has an amount of {$250.00} they accuse me of owing, they have sold this account to several collection ( Transworld Systems Inc and Now XXXX XXXX XXXX ) agencies. Which XXXX XXXX has reported this item on my credit report in the amount of {$310.00}. In X/X/2015 my daughter was seen at XXXX XXXX Hospital, while she was still covered under XXXX ( which expired in X/XX/15 ). So someone drop the ball and did n't charge or follow up with XXXX and now harassing me for an amount that they think owe. I tried to resolve this several times. I even made one payment in error not realizing that this was an account that was suppose to be paid by XXXX. When I requested for my money back they said no. I 've sent a letter too, stating that I do n't owe this money. So here we are now 2 years later. I 've never received a letter from this XXXX XXXX XXXX of validation of this account ; and the amount they are trying to collect is {$310.00} which is a different and higher amount. They reported it to the credit bureau, I called them to inquire and they ca n't even find me in their system, but yet this charge is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I contacted equifax around XXXX-XXXX-2017about my inquiries and my name and updating my phone number and I told them that my inquiries all of them were not mines and I did n't applied for credit in the past and they did there investigation and my name is wrong to and they are unable to update my phone number and remove my inquiries and did n't update my name or my number

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently disputed a collection account on all 3 CRA with JH Portfolio Debt Equities several times and the account continued to remain as debt owed. I also filed a prior complaint due to not accurately updating my information on my credit report as I am in a Chapter XXXX bankruptcy. The company responded with the date they purchased the debt and also uploaded 3 credit card statements that had nothing to do with when the validation of the debt took place. 2 out of 3 of the statements you uploaded are not my current mailing address. The response also stated I filed a dispute prior to JH being notified, I notified JH after seeking an alternate number. I spoke with a customer service representative and provided the necessary bankruptcy information and the company continued to respond to XXXX as debt owed. Pull your company recorded lines to verify you dropped the ball on this. I would also like for the company to provide accurate information on when and where letters were mailed and how they attempted to collect this debt. I never received any information from JH Portfolio to dispute. I am not seeking credit card statements, I am seeking information on when a validation letter was mailed and it must be verifiable.

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with John C. Heath, Attorney at Law, PLLC (NY).
Issue: Problem with customer service

Complaint: XXXX XXXX is an authorized user on my XXXX XXXX card account in XX/XX/XXXX.  He signed up for XXXX XXXX to assist with damaging items on his credit report. XXXX XXXX was arrested on XX/XX/XXXX and was sentenced to one year in jail on XX/XX/XXXX. I requested to have my credit card removed from his account on XX/XX/XXXX since he will no longer be needing the services of an XXXX XXXX. I contacted XXXX XXXX explain to them the situation and they stated to me that I would need to provide power of attorney in order to have my credit card removed from his account and refund me XXXX for XX/XX/XXXX. XXXX XXXX sent the power of attorney to me which I provided to XXXX XXXX and they remove the credit card information from the account, but did not issue a refund. I am requesting for my money back because I clearly stated to XXXX XXXX that he was just an authorized user on my card I am the primary account holder I no longer want to be charged {$110.00} per month for an account. 
I called XXXX XXXX on XX/XX/XXXX regarding my refund and the customer service re tells the power of attorney is still is review ( since XX/XX/XXXX )  and I was need to call back again to find if i can get a refund even though an email was sent to XXXX XXXX 's account on XX/XX/XXXX removing my card ending in XXXX from his account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (AZ).
Issue: Unauthorized transactions/trans. issues

Complaint: I have not been able to access my account accept via phone, I tried to call the company to ask when my deposit this week would be available to my card and the line to card services disconnects every time Ive called. I am not able to monitor the account transactions by phone, the recording only provides the last XXXX transactions and the online log in locked me out of my account even though I provided all the correct information. I would just like to know if Im going to get paid this week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/18/2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX, I received a XXXX Cancellation of Debt notice from Wells Fargo Bank on the XXXX portion of an XXXX interest-only mortgage that started in XXXX. The debt description was a CFPB Charge Off with an Identifiable Event Code of " F '' ( By Agreement ). This closed account is now appearing erroneously with an " FP '' or Failure to Pay status on my XXXX and XXXX credit reports. In XX/XX/XXXX, I refinanced the remaining XXXX portion of the loan into a conventional 30-year mortgage. I request that the account be removed from my XXXX and XXXX credit reports. Thank you.

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 02-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Good afternoon, Dear Credit Bureau Government Agent. How are you? I 'm sorry to bother you with my complaint. I was checking my credit report and saw couple of XXXX Inquiries that I never applied to, or even used their service. This is my second complaint about a different hard inquiry that I saw my credit report. I 'm just a student, and i never applied to this company. It 's called " XXXX Credit Card Cos. XXXX I wrote to them to remove the hard inquiry and asked, how and why they have my information. They would n't respond to me at all. Please help me to get this hard Inquiry removed. Fair solution is to remove this from my credit report. Since i havent ever used their service, nor did I try to apply for it! It 's improper use of my information. How could they use my information? Is n't illegal to use someone 's information without their knowledge? Thank you for listening to me and have a pleasant day dear Government Agent. Thank you.

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