milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/23/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I had linked my newly established XXXX account debit card with my Wells Fargo bank account. I was under the impression that I had opted out of any overdraft protection " courtesy '' programs with Wells Fargo ; therefore, any transaction resulting in funds being overdrawn would be declined, which should apply to drafts initiated by XXXX as well when insufficient funds were available. 

I came to find out that Wells Fargo repeatedly allowed these transactions from XXXX to go through and charged the typical overdraft fee of {$35.00} each time. They simply changed the terminology for the type of transaction this constituted, although by definition and consequence enacted on my account ( same {$35.00} fee assessed on each accepted draft of an account bearing insufficient funds ) this is precisely an overdraft fee that Wells Fargo covertly branded as something else in order to justify the procedure ; however, I was never informed of this new practice nor would have agreed, as I opened my account, like I mentioned, under the notion that these fees would not and could not be charged. 
Upon reviewing the terms they have listed for all types of checking accounts, I do not see this expression used anywhere. As I recall, the bank employee I spoke with referred to it as something along the lines of a reverse payment. 

They can call it whatever they want, but unless they are admitting that they are engaging in bait and switch tactics and lack the legal and ethical standards that any banking institution, especially of their stature, would uphold-however optimistic a view this may be in today 's economic climate considering that the bordering on fraudulent and deceitful practices of these banks are commonplace, which in no way should excuse them. 
Part and parcel, this is an overdraft fee, wrongfully and connivingly instituted by the bank clearly illustrating a full-fledged violation of the contract between myself and Wells Fargo which eliminated the chance incurring overdraft fees in any of my accounts. As per their claim that this constitutes a mitigating courtesy they provide, I would like to know who defines courtesy or, moreover, for whom this trulyis a favor, as without my consent or permission, the beneficiary is only the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (WI).
Issue: Trouble during payment process

Complaint: Good Morning, I sold my condo on XX/XX/2017. The title company submitted my property taxes as part of the closing. I have an acknowledgement from the City of XXXX XXXX that the funds were received. During this process my Mortgage company also submitted payment for the taxes from my escrow account. However, these funds were returned because the tax bill was paid. I have now contacted Mr. Cooper several times regarding where these funds are. I am receiving a different answer each time and am no closer to receiving a refund from my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit card or prepaid card (Payroll card) with U.S. BANCORP (LA).
Issue: Unexpected or other fees

Complaint: We charged the account for XXXX to pay for our extended stay hotel. we called the customer service line about it because it took an extra {$60.00}. They customer service reps were very rude and didnt want to help at all. They wouldnt provide the company that they were from. Ive tried to contact all points of reference. This has caused damage and made me lat on other bills.

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 06-01-2016 about Debt collection (Payday loan) with Integrated Recovery Services (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The loan has been paid back for several years and I am being contacted illegally at work which is jeopardizing my employment. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Rewards

Complaint: Dear CFPB, My name is XXXX, living in XXXX, Florida. I am writing this letter to file a complaint about CITI bank customer representatives who intentionally misled me that resulted in my financial loss. 

I have applied a AT & T citi credit card on XXXX XXXX. The open bonus of this credit card is {$650.00} sign-up bonus! In order to get the bonus, you need : spend {$2000.00} in first three months and purchased a full price iphone 6S through a special link in my Citi account. Since XX/XX/XXXX to XX/XX/XXXX ( within the first three months ), I have had web live chats and phone calls with citi representatives to confirm that I had met all requirements. They kept saying to me that I have met the requirement and I can get {$650.00} open bonus again and again. However, after waiting three months, it did n't happen and I was told by CITI bank thenthat I have n't met the requirement of {$2000.00} spending. Thus, I believe that I was treated unfairly that results in my financial loss. 

I have enclosed the purchase receipt of iphone 6s by using this card ( ending XXXX ), and a web live chat transcript happened on XXXX XXXX, XXXX for your references. The audio record happened on XXXX XXXX, XXXX will once again demonstrate that I was confirmed by the citi representative that I have fully met the requirements. Therefore, I request to get the full bonus as the statement Citi promised. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Rewards

Complaint: I have a Bank of America XXXX XXXX XXXX XXXX credit card issued to me on XX/XX/XXXX. I have been using this credit card since the day I received it. On XX/XX/XXXX I received a letter from Bank of America saying they closed my account. I pay my monthly bill every month. Never been late on a payment. I had a total of XXXX reward points on my account. Bank of America is telling me since they closed the account that I ca n't redeemed my remaining reward points. They will not disclose to me on their reason for closing my account. Please help me on redeeming my remaining points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit card () with DISCOVER BANK (TN).
Issue: Other fee

Complaint: I saw some charges on my Discover credit card statement that I had never noticed previously ( I having been carrying a balance pretty much since I opened the card, but have n't actively used the card in a very long time since I wanted to pay it down ). Apparently they have been charging me monthly for something called Payment Protection Plan that I do not believe I ever signed up for. I called Discover to request they provide some kind of information on how exactly I signed up for this service and they refused to provide any additional information. The " best '' they could do is cancel the protection from my account and refund six months of charges that they were posting to my account. I looked this issue up online and apparently this has been a big deal for quite some time, and a lot of people have been getting charged without actually signing up for this service. I am quite unhappy that they are able to charge my account for something that I did not sign up for! They told me that I signed up for this " service '' back in 2011, so that is a lot of payments that I have been making without consenting to this program. I was guided to this site through this web page full of similar complaints : XXXX. It seems that the monthly payment averaged out around XXXX dollars, per month, for almost 5 years ( ~ {$960.00} dollars )! I know I should have paid more attention but I never noticed that single line item when I actually used the card, and have just been making payments on my balance ever since, not making new purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit card () with U.S. BANCORP (TX).
Issue: Unsolicited issuance of credit card

Complaint: Hello, XX/XX/XXXX someone applied, opened, or attempted to open a loan with your company. As a result your company placed a credit inquiry on my reports even though I was not the person who applied, opened, or attempted to open service. 
As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft XX/XX/XXXX. As a result my credit report as alerts on them until XX/XX/XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Credit card) with GC Services Limited Partnership (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: a debt collector is calling my work place everyday constantly and is calling my parents home where I do not live and is in another state. The debtor collector has left numerous messages at my work place and has left my mother and father XXXX messages on their machine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WI).
Issue: Deposits and withdrawals

Complaint: Wells Fargo had withdrawn all of my personal accounts without my concent. They took over XXXX just in my personal account funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a home and used Wells Fargo as my mortgage company XX/XX/2013. Since then my husband and I have made about XXXX-XXXX in improvements, turning our XXXX into a XXXX and redoing the bathroom downstairs and upgrading our backyard with pavers etc. My taxes obviously went up and I discovered my monthly payments went up {$400.00} per month because of escrow. I complained that I would like to get out of escrow and pay my own taxes and also have an appraisal done to get rid of the PMI as well. I needed to be at XXXX % LTV ratio for both. WF insisted I use their appraiser and he came in and appraised the house for only XXXX more than it was 3 years ago in a worse market and in much worse shape than it is now. Keep in mind I made significant improvements to the house. I am now at XXXX % LTV ratio with consistent on time payments and payments that are more than the mortgage bill every month and they will still NOT let me out of escrow or PMI. I contested the appraisal and they came back and used the same appraiser to review my appraisal and shot down all of my comps. They originally used comps from 2 years earlier because they claimed they could not find up to date comps, but I was able to! I am an agent and I know how to provide comps. I also have several friends in the real estate industry who claim my house was under-appraised by probably about XXXX-XXXX %. They are asking me to pay them toward the principal, but I will not because I know my house is worth a lot more than they claim. I am being bullied for .09 %! I would love to refinance but that will cost even more. I am tired of big banks bullying the little people trying to make a way for themselves in the world. Stay away from Wells Fargo! I constantly hear complaints about them from several people. They are rip off artists and have given me nothing but a hard time.

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 09/14/2016 about Mortgage (Home equity loan or line of credit) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Settlement process and costs

Complaint: XXXX XXXX XXXX - provide order that bears XXXX name. - XXXX XXXX XXXX attach the schedule stating this debt is secured or unsecured? 
XXXX XXXX XXXX - is a third party collection company whom appears to have paid a debt during a open bankruptcy that was not owed in attempt to collect from me. XXXX XXXX XXXX did not communicate with the attorney of record. 

XXXX stated : Please allow this letter to serve as XXXX XXXX XXXX XXXX XXXX 's ( " XXXX '' ) response to the complaint submitted to your office by XXXX XXXX XXXX ( the " Complaint '' ). XXXX is committed to customer service and we hope that this response addresses the concerns raised in the Complaint. 

In the Complaint, XXXX XXXX states that XXXX 's documents contain multiple non-corresponding dates ; that the transaction history appears to show that the debt has been paid ; and that XXXX has not confirmed how a lien remains on the property. XXXX will address each statement below. 

First, XXXX is unclear as to which documents XXXX XXXX is referring. XXXX 's records indicate that XXXX XXXX received a discharge of her personal obligation to repay the debt through her Chapter XXXX bankruptcy proceedings. Prior to that date, XXXX 's records indicate that the account was due for the installment payment for the month of XXXX XXXX. Due to the bankruptcy discharge, no payments on the underlying debt have been made since XXXX and XXXX 's transaction history indicates as much. A copy of the transaction history was provided to XXXX XXXX upon her request. This document shows a " due date '' in XXXX and a " trans date '' [ transfer date ] in XXXX, which is the year that XXXX obtained the right to collect payments on the account. XXXX hopes that this explanation helps to clarify some of the confusion concerning non-corresponding dates. Otherwise, XXXX denies that its transaction history or other documentation demonstrate that the debt has been paid in full or paid at all since XXXX. 

Finally, XXXX XXXX states that XXXX has not demonstrated how a lien remains on her property. On this point, XXXX believes that XXXX XXXX should seek the counsel of her bankruptcy attorney. It appears as if XXXX XXXX file a motion to avoid the subject lien within her bankruptcy proceedings, and that this motion was denied with prejudice. Otherwise, XXXX is unable to advise as to the legal reasons underlying the denial of this motion. 

XXXX hopes that this response was helpful. If XXXX XXXX has any further questions or desires any clarification concerning this response, she should not hesitate to contact XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I must admit that you removed some of the errors but you continue to report several other errors. Now I dont know why is it taking so long for you guys to remove the rest of the errors. I have complaint to you guys several times. I am asking that you guys remove the accounts and inquiries that I have attached to this message file. I am in distress and this have caused major problems. I am sending this as an internal dispute and as an affidavit. I am unaware of the accounts listed on my credit file that is attached. Please remove the accounts within 24 hours because I have waited more than 120 days to see changes on my credit file. I will definitely follow up in a few days to see if the accounts are removed. I sent an affidavit, FTC number a few months ago showing that I was a victim of fraud and I was affected by more than a several credit breaches. Please remove the errors permanently your company continues to list on my credit file. If your company continues to list the error accounts and inquiries on my credit file XXXX wont be afraid to take legal actions and this isnt a threat so please dont be offended but I lead by action. 
Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Accounts & Inquiries listed in the attachment areas. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in 30 days of your receipt, thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2016 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Unsolicited issuance of credit card

Complaint: The XXXX XXXX Credit card was owned and managed by XXXX XXXX. I was at one time an XXXX XXXX XXXX XXXX. I canceled my XXXX XXXX credit card several months ago. Apparently, the XXXX XXXX card has recently been purchased by Barclaycard. Without asking, Barclaycard sent me another card, on the account that I had canceled. I did not activate this new card or reopen a new account. My prior account had already been closed and canceled by me. 

Barclaycard is now saying they will charge me an annual fee on this new card - the one that I canceled and never reapplied for. Basically, they are starting a line of credit in my name, that has an annual fee attached, without asking, and on the basis of an account I had previously closed. I will call and cancel the already canceled card once more, but I should not have to take time to do this again. Additionally, how do I know they will not reactivate my account again without permission? Please address this unethical, and I assume illegal activity.

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 05/21/2015 about Debt collection (Medical) with PMAB,LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX I was having a XXXX. My Sister drove me to XXXX XXXX XXXX XXXX. The nurse came in and she took my information, and then came back to hook me up to an XXXX XXXX. I told her NOT TO because I can not afford it. The nurse laughed, and AGAIN I said DO NOT hook me up to the machine. This is an XXXX XXXX, I have had these before. I just need medication refills, and because I just moved here from XXXX, I do not have a Doctor here yet. The nurse told me she WOULD NOT put the XXXX on my chart, so I do n't have to worry about being charged. ( Not only do I have a witness to this, but I also recorded this appointment on my phone. ) Since this appointment I have been getting " debt collector automated phone calls '' at my parents home. I received a letter in the mail stating that if I wanted to " appeal '' and disagreed I would need to do it in writing. I DID. I also sent that via certified return receipt. ( which I have ) yet the phone calls are STILL continuing. 

I DO NOT OWE this bill, and I am NOT going to pay this bill. 
I paid my {$35.00} co-pay at the time of the visit. I was assured over and over again that the XXXX would NOT be billed, my insurance paid them {$140.00}. XXXX XXXX XXXX XXXX billed a total of {$300.00}. They claim I owe them another {$130.00}. 

PMAB LLC. is a harassing entity with many complaints on the XXXX XXXX site. I have responded in writing to them, and I have even told them my story with XXXX XXXX XXXX XXXX. I HAVE THE NURSE ON TAPE, A WITNESS, and I can identify the nurse who said the XXXX would NOT be billed ( it was routine?? ). 

I am Social Security XXXX, and I have a VERY limited income. This is why I told the nurse NOT TO HOOK ME UP to the machine. 

I ALWAYS pay my bills. But I DO NOT owe this one. 
( XX/XX/XXXX was when I sent my dispute to PMAB. ) I have ALL receipts, I have the Recording, I have all paperwork. 

I want this OFF of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX was once deleted on all XXXX credit reports ( XXXX, XXXX & transunion ) and now i see that they are back. Please delete XXXX XXXX from all XXXX bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having XXXX XXXX removed from all XXXX credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance

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 01/19/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Wells Fargo sold my loan to another provider ( XXXX ), however, they are reporting to the credit report that I have an outstanding charged off balance. Additionally, the account is over 7 years old and should be removed from my credit report. Wells Fargo refuses to address the duplicate information and refuses to remove the outdated accounts.

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