milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-07-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: During the month of XXXX 2015, I made multiple payments XXXX using electronic bill pay XXXX on my existing mortgage with Wells Fargo Bank in the amount of {$880.00} and {$1700.00} for a total of {$2600.00}. The total monthly amount due for the XXXX mortgage was {$1600.00}. Once I noticed the over payment, I called Wells Fargo on XXXX XXXX and spoke with a supervisor ( XXXX XXXX ) to inform him that I overpaid on my account and that I wanted the credit in the amount of {$950.00} returned to me. I gave XXXX XXXX my XXXX XXXX XXXX account number and routing number. He assured me that he was going to open a work order to have the funds returned to my account. I waited 5 business days and called Wells Fargo on XXXX XXXX and spoke with another supervisor in customer service ( XXXX ), and she informed me that Wells Fargo could not return the {$950.00} ( that they fully admit is a credit ) to me because their accounting system would only allow them to return the full amount ( {$1700.00} ) that was paid on XXXX XXXX. Upon hearing the explanation from the supervisor, I told her that I was not a person of enormous means and that I would accept a paper refund check in the mail from Wells Fargo instead of an electronic deposit to my account. XXXX told me that Wells Fargo would not send a paper refund check due to their accounting system. I ended the conversation by informing the supervisor that I would file a complaint with CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Prepaid card (General purpose card) with INCOMM HOLDINGS INC. (TX).
Issue: Managing, opening, or closing account

Complaint: Bought XXXX XXXX XXXX cards ( XXXX transactions back to back {$1000.00} each for XXXX {$500.00} cards ) at a XXXX on XXXX. Used XXXX. Have done this many times in the past. Charge posted to XXXX. XXXX of XXXX cards failed to activate. XXXX card, although not used as of this time, appears active with access to the full {$500.00}. Called XXXX/Incomm cust service immediately, within one hour of purchase -- usually activated within ten minutes. 

After a very long hold to reach a human, got the run-around saying system error, problem will be fixed in 2 hours, we can not even access your card information. 

It has been three business days and again, only XXXX card shows a balance, the other XXXX are not recognized by their system. 

Their incident process is intolerable. 
I have notified the General Manager at the XXXX store before doing an XXXX charge back so she is aware this is not any attempt on my part at fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Transaction issue

Complaint: Paypal sends out XXXX XXXX offers a few times a year whereby if a customer spends a certain amount of money during XXXX transaction within a stated timeframe, the customer will earn a statement credit on their future statement. In 2014, I activated and completed XXXX offers during the end of the year XXXX XXXX & XXXX XXXX. I waited for my future statement to see if my statement credit posted to my account and found no statement credit given to me. I contacted Paypal customer service to inquire about my statement credits due me, during the end of the year. The customer service representative I spoke with was an outsourced employee in another country that spoke XXXX, but had no understanding of the XXXX XXXX vernacular and kept making the wrong understanding of what I was trying to explain to her. She kept thinking I was complaining about a charge on my account, even though I was telling her I an missing the statement credit promised to me for completing a purchase offer. I became frustrated and hung up. Then I sent and email, with the hope that an American would read it and understand my concerns. Instead, I received an automated response email about promotional financing and interest charges. Below is a short copy/paste of that email : Question about promtional financing and interest charges ( XXXX ) : XXXXXXXXpaypal.comXX/XX/2014to meHello, Thanks for your email. We 've created this immediate automated response to help you learn more about promotional financing and interest charges. 
If the information below does n't answer your question, please reply to this email or call us. 
A. What is my APR? 
B. I was offered a promotional credit for paying with PayPal Credit. When will I receive it? 
C. How can I tell if my purchase has promotional financing? 
D. How do I avoid interest on my promotional balances? 
E. How do you apply my payments to my account balances? 
I became frustrated and just decided not to use paypal anymore, because I feel that they offer statement credits just to get customers to use their credit for the purpose of earning interest payments and never truly have the mindset of giving a statement credit!

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-06-2017 about Checking or savings account (Checking account) with KEYCORP ().
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I have been accessing my account normally for the past year except now for the past week ( XX/XX/2017 ), the key.com website does not open and consequently I can not log in to my account. The notice given is " Error has occurred, page can not be found or does not exist ". For the past week I have been in touch with Key Bank Customer Service with out result. I live in XXXX XXXX, XXXX, and checked in several other States all resulting in the same problem. The conclusion I have come to is that there is a problem with the key.com website that does not allow it to open in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BB&T CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I CALLED BOTH PARTIES INVOLVED AND HAVE NOT GOTTEN ANY RESOLUTION as i only applied one time but its showing up twice 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 12/27/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: Dear CFPB, The XXXX of XXXX XXXX, I have done a SEPA deposit funds of XXXX euro to XXXX to fill my account on the XXXX XXXX platform ( XXXX XXXX XXXX ). 

At the time I am writing this message ( XXXX of XXXX XXXX XXXX my XXXX account has not yet been credited with the XXXX euro I sent to them. 

I have also opened a case on XXXX support where I provided XXXX XXXX Wire traking info ) but I have got no anwser. 

I have also try to call XXXX Phone Support at +XXXX ( XXXX XXXX XXXX and not body anwser after almost hanging two hours and a half. 

Could you help me to get my money back? 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I demand to see V erifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof , you must remove the accounts listed below.I demand the following account be verified or removed :  XXXX   XXXX    XXXX   #   XXXX    XXXX  : Unverified account Beside that, the below information is too old to have in my file, please delete it immediately :  XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (ID).
Issue: Loan servicing, payments, escrow account

Complaint: PNC claims they have no mortgage lien against my property located at XXXX XXXX XXXX XXXX ID. XXXX has noted after 2 years of me arguing with them that PNC claims they do not own this loan. I have tried to correct this info on my credit report through XXXX which states they sold the loan to some other party yet they still hold a lien on the property and never released themselves from title. 
This is the account I am complaining about as directly copied and pasted from my credit report. 

XXXX - XXXX Report Number : XXXX Online Credit Report from XXXX for : XXXX XXXX Report date : XXXX XXXX, 2016 PNC BANK , N.A . 
Address : XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification XXXX Status : Closed. 
Date Opened:XXXX Reported Since:XXXX Date of Status:XXXX Last Reported:XXXX Type : Home Equity Terms : NA Monthly Payment : {$88.00} Responsibility : Individual Credit Limit/Original Amount : {$120000.00} High Balance : {$120000.00} Recent Balance : {$0.00} Recent Payment : {$420.00} Comment : Purchased by another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CT).
Issue: Deposits and withdrawals

Complaint: On two occasions, Wells Fargo intentionally ignored a wire transfer amendment from my issuing bank to my Wells Fargo ( XXXX XXXX, MN ) checking account, countered that they can not amend the wire transfer because they do not have the funds, but actually had the funds and withheld those funds from our checking account for two weeks, and then resent the funds back to the issuing bank minus a {$25.00} fee. Subsequently, I had to rewire those funds to my Wells Fargo account, and pay a whole new set of fees. 

This Wells Fargo scam of ignoring wire transfer amendments and blatantly lying about holding funds, all just to overcharge clients with multiple fees is just plain wrong. I have documented proof that Wells Fargo lied about the funds whereabouts and were withholding funds, all in an effort to avoid a simple wire transfer amendment, in order to steal from me ( either by ripping me off on fees, or possibly taking the whole {$1500.00} if I never insistently claimed to get the money back ). Shame on them. 

I tried to be reasonable, and only seek reimbursement for the fees charged after the blocking of the wire amendment/withholding of the funds. I did not seek damages for initial wire transfer fees, my time and frustrated efforts, or for the harm my son suffered for only having {$120.00} to live on for two weeks while Wells Fargo was withholding our funds. These fees in which I sought reimbursement were as follows : 1 ) XXXX XXXX : Wells Fargo {$25.00} wire fee for returning funds, Wells Fargo {$16.00} wiring fee for receiving same funds again, XXXX {$30.00} wiring fee for issuing funds again 2 ) XXXX XXXX : Wells Fargo {$25.00} wire fee for returning funds, Wells Fargo {$16.00} wiring fee for receiving same funds again, XXXX {$30.00} wiring fee for issuing funds again. 

For the XXXX XXXX period, I had already deleted my email to XXXX XXXX of the XXXX XXXX branch requesting a refund of inappropriate fees. But will provide documentation if needed. Relatedly, I can provide original documents for each of the fees from XXXX and Wells Fargo from XXXX XXXX and XXXX XXXX upon request. 

Thus, I claimed {$140.00}. Wells Fargo not only refused, except for possibly {$16.00}. But stopped corresponding and would not return my calls, hoping that I would forget about it. Well, I am not going away, and would like you to help me to make them pay.

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 01/26/2017 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (GA).
Issue: Using a debit or ATM card

Complaint: My debit card number was stolen twice, and on both occasions ( XX/XX/XXXX and XX/XX/XXXX ), my bank almost immediately declined my dispute with no explanation except that they " investigated '' and found the charges were valid and that I would need to contact the merchants myself. In both cases, I reported to my bank immediately and requested a new card, and my Member Agreement says " you will not be liable for good and services fraudulently purchased through you Account, '' which is also required by federal law if I am not mistaken. After the most recent incident, the bank closed my account and locked me out of my online access without cause or any real explanation except a reference to a generic provision in the Member Agreement. The total of the charges is {$560.00} ( one charge for {$70.00} on XX/XX/XXXX and XXXX charges totaling {$490.00} on XX/XX/XXXX ), and I had a {$2.00} balance when the bank closed my account. I will probably incur other damages in the form of financial transaction fees as a result of the bank 's delay and improper denial, but I wo n't make a claim for that if I can resolve this without going to court. I want an immediate direct deposit into my account at another bank ( this bank can leave my account closed for all I care -- -I will never do business with it again ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is reporting inaccurate information on my credit report I disputed information with the credit reporting bureau, advised that information reporting is wrong the balances does n't match the close dates etc. This account is reporting several different inaccuracies and should be removed from my credit report or updated correctly the credit bureau stated that they have conducted and investigation and information was updated however my credit report shows no change in this frivolous account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: On XX/XX/XXXX I received a letter that I have a balance due in the amount of {$30.00}, I called them, because it is weird, I have automatic payment with them ( No with my bank ), and they told me 1 time that I called, that I made payment late, and the other customer representative said me that at the beginning of the contract my amount is {$490.00}. some thing, that it is not real because at the beginning of the contract in XXXX or XX/XX/XXXX, my monthly payment was of {$450.00} something. after my county increase the sales Taxes ( This one is my other question, They can change my monthly payment that was agreed when we signed the Lease contract in XXXX because the sales tax was increase in XXXX??? ) they change my monthly payment fr. {$450.00} something to {$480.00}, and they start to debit this amount, Now I have a supposed balance due in the amount of {$32.00} something because was change from the date of the letter to now for Late Fee ... and the Customer Representative told me that the amount of {$490.00} something is the amount at the beginning of the contract. So after that I called for 4th time  and they told me that the supervisor will call me ... But I feel really upset with this company, I feel deceived and abused. This is the reason that I was motived to contact 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
Consumer complaint received 02/21/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX wireless is reporting a delinquent/unpaid account on my credit report. This information is erroneous as this is not my account. Im not certain if Im a victim of identity theft. According to my credit file, the account was opened XX/XX/XXXX but sold to XXXX XXXX XX/XX/XXXX. Both companys are reporting this on my credit report. The amount is for {$2000.00}. I would like some kind of proof that this is my account. I have already disputed these items.

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 02/25/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a medical bill of {$540.00}, in which I was overcharged from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. I called the billing dept at ( XXXX ) XXXX and they agreed to reduce it to {$270.00}. I paid them right away to clear up the bill to get a piece of mind! 

On XXXX, XXXX, I went to XXXX XXXX XXXX XXXX open a checking account and to apply for a credit card. 

On XXXX XXXX, XXXX, I received a denial letter from XXXX XXXX XXXX due to a deliquency, which was listed as the collection account I had already paid for. 

I requested my credit report from XXXX on XX/XX/XXXX, and I found out that Syndicated Office Systems ( whom also goes by Central Financial Control ) put my account to collection. I called the phone # listed within my credit report, ( XXXX ) XXXX, and was told my account was " settled in full '' and had a {$0.00} balance. I requested them to mail me a letter. 

On XXXX XXXX, XXXX, Central Financial Control sent me a letter to confirm that my account was " settled in full '' and that it would take 30 days to update my account with XXXX, XXXX and XXXX XXXX. I gave this letter to XXXX XXXX XXXX for them to process it again and attempted to apply for a credit card there a second time. 

On XXXX XXXX, XXXX, I received another rejection letter from XXXX XXXX XXXX. They advised me that Syndicated Office Systems ( or Central Financial Control ) NEVER removed my account from collection. 

On XXXX XXXX, XXXX, I called the phone # listed within the letter that was sent to me from Central Financial Control, ( XXXX ) XXXX, & spoke with representative XXXX. He said that his company POLICY will not remove it, even though he understood that I had already resolved the case & had a {$0.00} balance. I requested to talk with the manager & was transferred to XXXX XXXX. I had to leave a voice message on his voice mailbox because he was not available at the time. 

On XXXX XXXX, XXXX, since I NEVER received any calls back from XXXX XXXX or any one at Central Financial Control, I decided to call XXXX XXXX Billing Department at ( XXXX ) XXXX & was advised that Syndicated Office Systems is in charge of handling all medical billing. They could not see my account information within their computer system. 

It worries me that if the hospital or medical center gives Syndicated Office System or Central Financial Control too much power to access to their patients ' information from their computer systems, then who knows what they can do with the patients ' confidential information?! 

I attempted to make another call to Central Financial Control and spoke with representative XXXX, who then transferred me to XXXX XXXX # XXXX ( floor leader ). He advised me to fax a letter to " Inquiry Resolution Service '' at ( XXXX ) XXXX to seek for help, but he DOUBTS that they will remove my account from collection.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Checking or savings account (Checking account) with KEYCORP (CT).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Had to dispute a charge on my bank account for Key Bank and they said they sent me XXXX letter for the dispute. I never received it so now they overdrafted my account and put me in the red. Now they wont reverse the charge which they screwed up. I moved and the letter never arrived so I would like this reversed and an apology from the bank

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (I do not know) with Mar Joe Enterprises (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am going through credit repair and this company is all over two credit reports and I have never heard of them and do not know who they are. I have never had any letters regarding any contract that I have with them or are in default in. They are on my XXXX and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My account with XXXX XXXX AKA XXXX XXXX has been completely paid in full for months. Originally I tried to pay this debt through XXXX and was denied the opportunity and was forced to go through the collection agency which I did not want to do due to miscommunication. I paid off the FULL balance in order to receive a deletion from my credit report. XXXX XXXX and XXXX both have not taken the necessary steps to remove this account from my Equifax , XXXX, and XXXX credit reports and it is just unbelievable especially when I tried to pay the original creditor directly and was told I could n't! Now my balance is reporting incorrectly on some of my credit reports it says paid in full and on others it says " settled '' which I never settled I paid the FULL balance. This account needs to be deleted from all XXXX of my credit reports as agreed especially seeing as I dont owe them anything. That negative account is severely affecting my way of life at the moment and I need to see it gone. I keep requesting that the credit bureaus contact XXXX which they did and they even have sent me MULTIPLE statements saying my account was paid in full so I even have documentation. Please remove from my credit reports. I want to believe that XXXX is a good enough company to do this for me.

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

Complaint: I try to live on about XXXX month. I applied to have my payments lowered to what I can afford on my income. It was refused saying I didnt qualify! I listed all my bills showing before groceries, I owe XXXX Needless to say my bills are paid late as I keep getting behind.

Company response to consumer: Closed with explanation