milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, 2015 at XXXX ( cst ) I requested a stop payment be placed on an ACH debit that was due to hit on XXXX XXXX, 2015 in the amount of {$250.00} from a company called XXXX. I was given a reference number, XXXX, that the stop payment order was in placed. 

On XXXX XXXX, 2015 I check my online account and saw that the above reference item was pending. At that time I spoke to another customer service person and requested that the stop payment be placed on this item ; they confirmed that it was and provided me with the following confirmation number : XXXX. As I reviewed my account today I noticed that XXXX separate insufficient funds fees totaling {$140.00} had been debited from my checking account. I immediately called and requested that those fees be reversed because they were generated solely due to Wellsfargo Bank 's failure to honor the original stop payment request I made on XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2017 about Checking or savings account (Other banking product or service) with STATE EMPLOYEES CREDIT UNION (FL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I sent bank statement to this app to try and get money in advance .... it 's been since XX/XX/XXXX or XXXX 2017 and I have not received any money. I just wanted to know what 's taking so long??

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a chapter XXXX bankruptcy XX/XX/XXXX. It should 've been removed XX/XX/XXXX with Equifax credit reporting agency. But it has not. The chapter XXXX bankruptcy has been removed from XXXX and XXXX reporting agency. I contacted Equifax to have it removed they told me it stays on 10 years there because they are not state regulated but federal. I want this off of my report immediately. I want to file formal complaint with CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Payday loan, title loan, or personal loan (Installment loan) with COMMUNITY CHOICE FINANCIAL, INC. (NC).
Issue: Problem when making payments

Complaint: XX/XX/XXXX I applied for an installment loan I am a resident of North Carolina and the payday loan is in South Carolina. The interest is over 400 % as I found out was illegal in North Carolina. 

XXXX XXXX XXXX is continuing to try to draft out a payment for my XX/XX/XXXX of {$320.00} daily. I have been charged over {$100.00} in nsf fees. I have been in contact with them explained that I am currently not employeed and have a XXXX XXXX so am unable to get employment at this time. Their response was oh well we are going to continue to try to draft it out until it will go through. I would like this resolved immediately due to my checking account continues to be in the negative due to them and my financial institution is stating I must contact them to stop the ach withdrawals. They are not willing to assist me in anyway as well as the interest is 400 % illegal in the state of North Carolina

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 04-01-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I am a victim of predatory lending by Chase Bank. I was preyed upon by a Chase loan officer following an accident, XXXX and XXXX. He talked me into consolidating my existing mortgage, line of credit and other debts into a ridiculously unaffordable and impractical 10-year interest-only mortgage that would then become a 30-year variable rate mortgage. In effect, I would have ended up paying off my house three times. 
I realized this within a month and contacted Chase, asking to convert the loan to a 30-year fixed loan, eliminating the 10 years interest-only portion, which would have saved me many many thousands of dollars. They refused to work with me in any way and were completely unmoved by my medical condition and inability to pay off this loan. I know for a fact that the loan officer, XXXX XXXX, falsified documents to secure approval of this " no-doc '' loan. 
Ultimately the sheriff showed up and gave me two weeks to vacate. There were no legal papers served, no notifications or warnings of any kind. 
New York is a judicial foreclosure state, meaning that any foreclosure must be approved by a judge. There were no hearings, no attorneys, no court appearances, and therefore New York State law was not followed. 
In effect, Chase stole my home from me without due process. 
I have contacted them numerous times, and quite mysteriously, all of the documents supporting my claim are " unavailable. '' XXXX XXXX is no longer employed by Chase, and they are unwilling to discuss a settlement of any kind. 
I believe I am legally entitled to some form of restitution for their unlawful actions. 
I have many documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Money transfers (Domestic (US) money transfer) with CIT BANK, NATIONAL ASSOCIATION (FL).
Issue: Money was not available when promised

Complaint: Back in the spring we experienced major delays when trying to close matured CD accounts with CIT Bank. We heard excuses from there were so many accounts closing that they were backlogged as well as our accounts were so large that multiple reviews were needed before closing and those areas were backlogged as well. In addition, one time a representative had linked XXXX CD 's that were maturing within a week so none of the CD 's were being processed until the final matured. Over the years, we have had over XXXX CD 's with this bank and things only started being problematic in the spring. Unbeknownst to us, they changed many things XX/XX/XXXX. We received no notification of these changes. I learned about them today when I called to set up XXXX CD 's that are maturing XX/XX/XXXX. Now, everything is done online, but I needed to redo my password and other activities to even get access to my accounts. And lo and behold, CIT Bank has deleted our previously linked external bank accounts for transfer of funds. CIT Bank has been transferring funds to this bank for years, even as last at XX/XX/2016. Now, it is non-existent and I have to start all over and go through testing, etc. That means my time and attention for problems that they have caused. At this point, I am not confident that this system will work as they say it will. It will be very easy for them to say that they did not get the message. Yes, now I have to send a message through their customer service message center to request that the account be closed on maturity and transferred to an external account. Of course I can not do that until my external account has been tested and approved. I truly do not like fighting for my money. I find it somewhat amazing that a bank can delete, eliminate, discard banking records/transactions/data for on-going customers. It seems that CIT is out for themselves and not there for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The balance for equipment was paid and shows on my credit report as closed but it is still active

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Fraud or scam

Complaint: I have been locked out of my coinbase/XXXX account for 30 days. 
I was never given a reason why I was locked out and all methods provided to contact customer service are dead ends. 
I have roughly {$200.00} USD and approximately .8 ETH ( roughly {$960.00} USD ) locked in the account and have no way to access it. 
I attempted to resolve the issue with the online customer service form on XX/XX/XXXX and was never responded to. 
I attempted to resolve the issue with customer service over the phone on XX/XX/XXXX and was never able to reach a representative. 
I attempted again to contact customer service via email on XX/XX/XXXX and was never responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I received a notice from Bank of America : " On XXXX XXXX, your checking account will change to a Bank of America Advantage with Tiered Interest Checking account ''. 

In the new account monthly maintenance fees can be avoided by : " Keep an average daily balance of {$5000.00} or more in your checking or linked Regular savings account '' BUT when I inquired to Bank of America where on their website or statement the average daily balance was shown, I was told that this information was not available, but I could calculate it. 

My complaint is that Bank of America has created a criteria to avoid a fee but does not make the information available to the customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (FL).
Issue: Problems when you are unable to pay

Complaint: My loan was sold to another company, I made arrangement with the other company and paid my loan. The original company refuse to remove their name off my credit report. They are still reporting charge off.

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 01/23/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: I send a wire transfer to coinbase on XX/XX/2017 purchase cryptocurrency in the amount of {$20000.00} dollars and they responded with this email. 

You recently sent a wire to fund your Coinbase or XXXX account for {$20000.00} USD. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us 7 business days for processing. 

To prevent wire returns in the future, please ensure wire deposits are sent from a bank account that matches the legal name of your Coinbase or GDAX account. For more information, visit the Bank Wire Deposit section of our payment support page. 

If have n't received your funds after 7 business days, please But now it has been well over a month and Coinbase has not done the reversal bank wire and every time I emailed then about the money they reply with a generic response that they are backed up and soon they will send all bank wire, but I need help recovering this money PLEASE HELP ME IM LOOSING HOPE AND THIS HAS COUSED A HARDSHIP ON MY FAMILY THEIR IS NO ONE TO SPEAK WITH AT COINBASE THE COMPANY HIDES BEHIND EMAILS AND WONT RESPOND.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Currently there are four separate entities claiming to have standing on my " Note '' or my Deed of Trust. They all want different sums and two have attempted to foreclose on me simultaneously AFTER a complete discharge of the Note in a Chapter XXXX BK which was discharged in XXXX of 2014. Two are reporting on my credit report, two are not. I have sent well over 20 letters to ALL these entities asking them to please provide proof of standing and to date, all they have ever sent me is a copy of my Note and Deed of Trust which I already have. They have cost me XXXX of dollars in litigation fee 's and still to date, no one has come forth with any proof of ownership, and even though ALL mortgage debt was discharged in the bankruptcy, Ocwen and XXXX are still reporting me as owing each of them differing amounts ( $ XXXX & $ XXXX ) while sending me demand letters for over $ XXXX ( Ocwen ) and $ XXXX by XXXX XXXX XXXX. I have sent multiple certified return receipt requests for proof and not a single one of them has complied. I want my NOTE returned as it was discharged and I want the clouded mess on my Deed of Trust cleaned up. And I want them to be overseen by as to their activities whereas I am concerned.

Company response to consumer: Closed
Consumer complaint received 07-10-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Bank fo America XXXX XXXX 2014 {$1200.00} I WAS NOT ALLOWED TO FILE A DISPUTE WITHIN A REASONABLE TO AFTER LEGAL NOTIFICATION FROM THE FTC WITHIN THE TIME ALLOWED TO REPORT IT. THEY HAVE THE CASE NUMBER WHICH IS XXXX XXXX AND XXXX XXXX XXXX  AT XXXX OR XXXX  HAS BEEN PLACED TO IN HIS POSITION TO REFUND US AT THE REQUEST BY OUR BANK AS A CHARGEBACK.
WHEN I TRIED TO FILE A DISPUT YEARS AGO THEY TOLD ME TO CONTACT WPM AND TRY TO GET REFUNDED. THEY EVEN HAD A REP 3 WAY CALL WITH ME ON THE PHONE. THEN THEY TOLD ME I COULD NOT FILE A DISPUTE THEN EVEN IN THE ALLOTED TIME FRAME. NOW THEY ARE CLAIMING ITS NOT POSSIBLE TO GO BACK ON RECORDED PHONE CONVERSATIONS. THEN WHEN I HAVE REQUESTED TO FILE A DISPUTE NOW XXXX XXXX EXT XXXX.
<P/>
XXXX XXXX DID NOT CALL ME BACK AND THEN SENT ME A LETTER CLAIMING IT WAS PAST THE 60 DAY GRACE AND WAS AGAINST BANK RULES AND IT WAS NOT FRAUD EVEN THOUGH THE FTC HAS CLAIMED IT TO BE AND THEY HAVE A CASE NUMBER. HE NEVER ALLOWED ME TO FILE A ACTUAL DISPUTE WETHER IT BE FRAUD OR A BILLING ERROR AFTER PRETTY MUCH BEGGING THEM TO DO SO.

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 01/29/2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has reported an inaccurate account from XXXX on my file that does not belong to me and should be removed. The original creditor is XXXX and reporting on my report as 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 explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Monterey Financial Services LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Monterey Collection is handling an account that I had with XXXX. I do have a balance with XXXX but not the balance they are reporting. Also, they are reporting the wrong account open date. I have disputed this information with the three major credit bureaus and with Monterey Collection and they have not fixed it to this day. I would like for them to show correct documents of when I open this account or remove it from my report. When I open the account it was in XXXX. They are saying I open it in XXXX. They are reporting incorrect information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I never received a copy of the actual contract from XXXX to prove my account opened on XXXX/XXXX/XXXX. Also I do not have proof the last payment made was on XXXX/XXXX/XXXX. I asked for full payment history and I needed to see a copy of the original contract. XXXX is re-aging my last payment date and reporting it to experian and equifax erroneously. FCRA rights ignored and Fair Billing rights ignored. in the letter they admit incorrect reporting by experian and they should delete the account. Equifax also has the wrong date opened, they need to produce the full payment history and prove they actually did an investigation. I have disputed this for over 120 days without a proper investigation.

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 09/13/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I own a house in XXXX area of XXXX in XXXX. I have XXXX Loans on the same.The XXXX used to be with XXXX ( I believe the Investor is XXXX XXXX ) and the XXXX with National City, which is taken over by PNC Bank. ( PNC ) I started my marathon Modification effort with XXXX as soon as HAMP was introduced, in XXXX 2009. I made XXXX Trial Period Payments after which XXXX rejected my HAMP Modification. 
Luckily for me XXXX sold the Mortgage to XXXX ( XXXX XXXX ). They were kind enough to give me the Trial Period Payment again, which I successfully completed. XXXX XXXX wanted to get the XXXX XXXX from PNC Bank. PNC demanded {$250.00} for this, which I readily agreed and sent the Check for {$250.00} through XXXX XXXX. 
However I am surprised to learn that PNC refused to give the Subordination Agreement to XXXX XXXX, as mandated by HAMP, although I understand that PNC has signed up with XXXX, an XXXX to participate in HAMP. 
The reason for their rejection is a lame excuse - The Account was Past Due on XXXX or more occasions in the past ... ... ... ''. 
When my XXXX Party called, PNC Rep. was very rude and said they will not do a subordination as the Account is delinquent and the account has to be brought current, to give a Subordination Agreement to the XXXX. It looks like a kind of a black mail, they are doing, flagrantly flouting the HAMP guidelines. The very purpose of HAMP is to help home owners like me facing hardships and giving us a chance to get back on track. They ( HAMP ) did not say that the Subordination Agreement is to be given only to such customers who are not delinquent, whoch would defeat the very purpose of HAMP. 
In the process, my Permanent Modification, which I would have got after a herculean struggle of 6 1/2 Years, is cancelled by the XXXX ( XXXX XXXX ) as PNC refused to co-operate, in total contravention of HAMP guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Loan Date Amount of Loan XX/XX/XXXX {$12000.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Many calls were made to Navient to have them explain how the Unpaid interest and Unpaid fees were calculated. In addition, the request for how the accrued interest was also calculated. During this time payments of interest were paid and sometimes additional money was sent to reduce the principal. I was unable to identify how the interest and additional payments were applied. On occasion the difference was rolled into the principal.. I have analyzed each of the accounts from inception of the loan and I am unable to account for roughly {$25000.00} that of payments that were made. As of this day the loans have been satisfied through another company. I am having a hard time getting the pay off letters that state that the loan has been fully satisfied and the amount that was paid off. I am aware that Navient is involved in a class action suit and I would like to be included in this suit based on my research.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Student loan (Federal student loan servicing) with NELNET, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Few months ago, consolidated all three of my student loan with Nelnet. Was advised by mail that my consolidation was approved and I have one student loan. Check my credit report and noticed two new Nelnet student loans instead of one. The two loans account number are ending in XXXX and XXXX. Received account statement from Nelnet and it states, that I have one student loan ending with account number XXXX with balance of {$23000.00} which is correct. Moreover, it is not reflected on my credit reports. Attached are documents.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been reported to credit bureaus by OCWEN Loan Services LLC for being late ( over 30 days ) .. I immediately contacted OCWEN last year after seeing that they had reported my XXXX 2015 payment had been reported as more than 30 days late. They promised me they would correct this. It is still there! I have verified with XXXX XXXX XXXX that the mortgage payment was paid electronically one day later. This is within the period ( before XXXX XXXX ) that payment was to arrive to be considered ontime.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX 2017 I sent a certified letter to all three credit bureaus stating that I had multiple inquiries on my report I did n't recognize and I did n't authorize these inquiries. I have yet to hear back from the companies. I decided to call XXXX on XX/XX/XXXX, and was told they received my certified letter but they put the information in wrong and they will start the investigation all over. I was never notified of anything prior to calling on this day from either Transunion, XXXX or 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 explanation