milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2016 about Money transfers (International money transfer) with WELLS FARGO & COMPANY (NY).
Issue: Money was not available when promised

Complaint: My parents sent me money from the XXXX on XX/XX/XXXX. I was waiting for money for 8 business days. I was calling Wells Fargo almost each business day to find out where are my money? The only answer I got was to ask the XXXX what is happening, because they do n't see the transfer, and they did n't want to do anything else. Unforunately, the XXXX was more helpful and gave me more details about the fact that money are on the US territory, and they were recieved ( so they ca n't return it ). They also got a request from XXXX XXXX XXXX XXXX XXXX XXXX AFTER a week ( so they had my money for a whole week and were keeping it without any explanation of their illegal actions ), that they are holding my money for an unacceptable reason, which moreover offended me, and my parents, because the reason was highly politincorrect ( why do they even work with my transfer, why it 's not Wells Fargo ). So this XXXX bank sent a request to my XXXX, asking if there is any connection between the name of the street in XXXX city written in the information of the wire transfer and ( please attention ) affiliation to XXXX. Can you imagine, they are suspecting the name of the street to be connected to XXXX affiliation. Name of the street ... ... I was amazed by unprofessionalism of this bank. They made up a story to hold and also use my money without my consent. They are unauthorized to do such actions. They also could n't even use XXXX search to find out that their reason is really stupid and ca n't be used as reason to hold my money. 
So, it is already two weeks, and I still did n't get my money. When I called to XXXX they told me that they do not work with individuals, and need to receive a request from the US bank. So, I called to Wells Fargo to ask them to send a request to finish the transfer, and finally return my money, but Wells Fargo told me that they do n't know what to write and what to do, because it 's not their business. They also told me that they are not responsible for actions of the XXXX XXXX XXXX XXXX XXXX, but then why does this bank is responsible for the transfer TO Wells Fargo. As a result, I have no access to my money, and no US bank want to help me to return my money. I want to repeat, that the XXXX XXXX XXXX XXXX XXXX is completely unauthorized to hold my money, and they do not have any proof of their actions. And the Wells Fargo do not even want to help to return my money, because they told that do n't know what to do, however Wells Fargo receives transfers from XXXX, and MUST have communication with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted Experian to let them know the two XXXX XXXX credit cards that are showing on my credit report for charge offs are not mine and I want deleted off my report for they are hindering my credit score. I have not signed any type of documentation for these credit cards and I want them to show documentation that they belong to me. I have no knowledge of these two credit cards and want deleted off 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 05/19/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I have previously complained about my mortgage lender BOA XXXX and XX/XX/XXXX both times they pretended to correct the reporting on my tradelines and did change them some only to add more incorrect reporting later on. Per ftc ruling no tradeline can show derogatory marks over 1 month past the filing date.They also transferred the servicing to XXXX XXXX and XXXX XXXX XXXX, who also placed deogatory marks on my tradelines.They have marked them as charge offs on the tradeline which is an additional derogatory beyond discharged in bankruptcy.In XXXX vs. XXXX the cras agreed to specific coding but they continue to violate the law.I dont care if they can identify me at this point i look forward to XXXX XXXX XXXX CALL I also would like to add that at no time have i missed a payment before during or after bankruptcy but this lender continues to try and ruin my attempts to rebuild my credit!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I did n't received my statement this month in the mail Notdstrom charged me late fee and refuse to take back the late fee After I explained to the representative that the mail man in my community make this mistake And sometimes put my mail in some body 's box and someone else 's in my box and k madd numerous complaint to the post office and to this day I have no way of fixing the issues So I do n't think it 's fair for me to be punished this way

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/29/2015 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Ad Astra Recovery keeps calling and will not identify themselves stating they will send a police officer to my job and house to serve me some papers for an account that I made fraudulent bank account in order to get a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Mortgage (Conventional fixed mortgage) with BAY EQUITY LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I recently purchased a house and my mortgage was serviced to XXXX XXXX from the originator, Bay Equity. My first months mortgage was due to XXXX XXXX but I had auto draft still activated at XXXX XXXX. XXXX XXXX withdrew the mortgage payment from my bank account and applied payment. XXXX XXXX is saying that they I should have paid them XX/XX/XXXX mortgage and it is now considered past due. Pretty much, both company 's believed I owed them my XX/XX/XXXX mortgage payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: they put my sons collections on my report he has the same name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (SC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I AM WRITING ABOUT AN UNAUTHORIZED UNSIGNED FOR CHARGE TO MY CREDIT CARD WITH AMERICAN EXPRESS CARD # XXXX, MY NAME IS XXXX XXXX. THE REASON FOR THE COMPLAINT IS I RENTED A CAR FROM XXXX FOR THE TIME PERIOD XXXX FOR A WEEK THROUGH XXXX. I WAS DONE WITH THE CAR A DAY EARLY AND RETURNED IT ON XXXX, A DAY EARLY. WHEN I RETURNED THE CAR A FRIEND WAS THERE TO PICK ME UP, THE CLERK THOROUGHLY INSPECTED THE CAR INSIDE AND OUT, SAT IN THE DRIVERS SEAT AND SPENT A GREAT DEAL OF TIME INSPECTING ALL ELEMENTS OF THE CAR, THE CONDITION, INSIDE AND OUT. 
AFTER ABOUT 10 MINUTES HE SAIDTHE CAR WAS FINE, I WENT INSIDE AND COMPLETED THE FINAL PAPERWORK, THE CLERK WAS VERY AMIABLE AND SATISFIED WITH THE CONDITION OF THE CAR. I CHECKED OUT AND LEFT WITH MY FRIEND. MY FRIEND WITNESSED THE INSPECTION AND CAN CONFIRM WHAT TRANSPIRED. WE LEFT. WHEN I RECIEVED MY CREDIT CARD STATEMENT FOR XXXX IN XXXX, I NOTICED THAT THRIFTY HAD MADE AN ADDITIONAL CHARGE FOR {$250.00} ABOVE THE XXXX ORIGINAL RENTAL FEE. 
AND THERE WAS NO EXPLANATION, THE CHARGE FOR THE {$250.00} WAS DATED XXXX TWO DAYS AFTER THE VEHICLE RETURN. I DID NOT KNOW ABOUT THE CHARGE, WAS NEVER CONTACTED ABOUT THE CHARGE, OR SIGN OR AUTHORIZE FOR THE CHARGE OF AN ADDITIONAL {$250.00}. I NOTIFIED AMERICAN EXPRESS AND TO DATE HAVE ONLY RECIEVED AN OCCAISIONAL EMAIL STATING THAT IT IS STILL BEING INVESTIGATED, I HAVE CONTACTED CUSTOMER SERVICE SEVERAL TIMES AN AM ASSURED THAT THE CHARGE IS BEING INVESTIGATED, BUT THE CHARGE HAS NEVER BEEN REMOVED. I WOULD ASK FOR YOUR ASSISTANCE IN GETTING THIS CHARGE REMOVED, I HAVE NEVER BEEN NOTIFIED BY THRIFTY OF ANY REASON FOR THE CHARGE OR ANY DEFICIENCY, I AM VERY UPSET ABOUT THIS, AS THE CHARE WAS MADE TWO DAYS AFTER THE VEHICLE RETURN, THE CLERK THOROUGHLY INSPECTED THE CAR UPON RETURN, AND AS I RETURNED THE CAR A DAY EARLY IF THERE HAD BEEN A DISCREPANCY OF ANY KIND AND WAS NOTIFIED ABOUT IT I WOULD HAVE HAD A DAY TO CORRECT ANY DEFICIENCY. BUT WAS NEVER NOTIFIED AT ALL OF ANY PROBLEM WITH THE CAR UPON RETURN. SCRATCHING MY HEAD ABOUT THIS AS AM A SENIOR CITIZEN, AM RESPONSIBLE, AND DO NOT SMOKE OR DRINK OR CARRY ON ETC. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX PH : XXXX EMAIL XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Payday loan () with Turning Point Solutions LLC (OH).
Issue: Can't contact lender

Complaint: I had a missed called on XX/XX/XXXX from XXXX. There was no message left, I called back and spoke with a man. I asked what company I was calling and he told me a totally different name from the actual company. I was told about a XXXX balance that was owed to check and go. I told him I never received a bill from them and I would like one and if I agree, I could make small payments. He told me that I could pay a settlement, I told him I do n't have it. He said, well we show your working full time, I said yes not for long because I am going out on medical leave. Can you please send me a bill. He then goes to tell me, the creditor can garnish my wages and get more than a small payment from me. And that he 's going to let them know I wo n't agree to pay them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Chase notified me by a telephone call that my account was overdue by two months. I immediately made the payment owed plus the late fees and contacted them because my paper statements stopped being delivered to my mailbox. I was told that I opted for paperless billing several months before. I explained that I do not remember doing this, nor would I ever have done this as I have a memory problem that I see a XXXXXXXX  for. I explained that I have not been late or defaulted on any debt in my XXXX years and that this was clearly a mistake and their reporting my being late by two months was adversely affecting my credit score and the rate I am getting on a mortgage I am in the process of obtaining. I was told that they do not give courtesy adjustments. I continued to explain that I would not willingly switch to paperless billing due to my memory problem that I would gladly submit a letter about from my XXXX. The fact is that I need the statement to remember to pay the bill. Chase and other lenders employ a deception practice of phrasing questions when you log in online that result in you turning off your paper statement generation when you really do not want to. This is unfair, deceptive and should not be a pop up question every time you log into your account. It should be an option you select, not a question you answer. I would like Chase to review their practices with the understanding that their pop up question can be confusing for many customers and can result in the ruining of one 's credit. Again, this should not be a pop up question when you log in that serves no other purpose than to save Chase money on postage and paper.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (KS).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: THIS BANK HAS {$1000.00} OF MY FUNDS AND WO N'T SEND IT TO ME. ANYTIME I SEND INA COMPLAINT YOU GUYS TELL ME THEY SAY I MAY BE A VICTIM OF FRAUD WHICH IS NOT TRUE. SEND ME MY {$1000.00} NOW.

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 02-11-2018 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This company violated FCCPA n FDCPA by listing a medical debt on my XXXX  credit bureau without sending myself the legally mandated notice of assignment giving myself the 30 day right of dispute period. 
My address has been updated with all credit bureaus for over a year. Also, i have had medical insurance since XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX XXXX XXXX at XXXX - XXXX Services XXXX demanding payment through a debit card visa or mastercard only. When I attempted to give them my XXXX XXXX XXXX XXXX XXXX the refused to take it, and then only gave me XXXX hours to call back with a new card number in which to collect the debt. I attempted to send them a money order through the mail to pay the debt and they refused to accept this payment arrangement as well. XXXX then go belligerent with me if I did not call back in XXXX hours with the card information. She also has left me threatening messages of contacting my employer with a wage verification as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Debt collection (Medical) with Professional Recovery Management (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: after frequent messages left and contacting me through my former employer number, I called and tried to negotiate to resolve the balance. the collections agent was rude in her language, threatening further recourse. I asked repeatedly for terms to work through this unexpected debt received after other medical expenses had been covered and paid for my youngest child 's 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 02-07-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (AK).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Coinbase is a online stock trading application, that evolves around etherum, lite coin, and bitcoin trading. I deposited about {$320.00} Onto the website to buy bitcoin currency. The currency once purchased, I withdrew to put the amount I earned into the companies holding account to deposit into my bank account. The amount on that account was a residual {$300.00}. So I have lost about {$17.00}. The amount I had for bitcoin was {$2.00}, etherum was {$.00}, and litecoin was {$.00}. I have emailed the company around 25 times within the past 2 months to return the valued currency to my bank account after 5 failed attempts of the company sending verification charges to my banks savings and checking accounts. The frustrating part was, each email sent was ignored, and every phone call they received from me, was immiedietely sent back to the prerecording message stating to further get in contact with them, submit a request and send them an email online. With the end of the second month of no reply, my account apparently glitched up and lost all the currency held upon it. I signed into the account, and it told me that it didnt recognize my device. So I changed the password to the account, reauthorized my phone with a sms code sent to my phone via text message, then it wanted me to repeat the process. That I did, and got a message stating to many login attempts. So I fell asleep, woke up the next day, and all the funds were gone. No funds in each currency, or even in the holding account. The main question I have, is if our funds are backed by the FDIC to fully show that our losses arent gone by just being in a holding account. Why is it that I couldnt fully withdraw all my funds from every currency, and withdraw all the funds from my holding account, and deposit into my bank, but some random reason all my currency disapears within 2 hours. Seems fishy that the company is probably holding my funds without me knowing of the location. If more information is needed, I can provide bank statements of the deposits, and that no money being sent to my account. I only use XXXX and bank. But my bank is still not authorized with their company. XXXX is my email address that the account is on.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Closing on a mortgage

Complaint: I had ( meaning it should have been closed ) an  account with Wells Fargo because my mortgage was sold to them in XXXX, I am aware that this is a current practice. I did not go to Wells Fargo and ask them to open this account - they happily took over the mortgage and there were no issues. No issues when I sold the house and the balance of the account was paid off sometime in XXXX of XXXX. The issue is that they kept my mortgage account open. It is open still today XXXX/XXXX/XXXX - I just spoke with them. 
The company that I work for now has their XXXX through Wells Fargo. Wells Fargo will not let me view my XXXX account ( that contains my XXXX money from work ) because my old mortgage account is still open. One account should not have anything to do with an old account. 
This is what Wells Fargo is now infamous for - opening and/or creating or not closing existing accounts once their use is long over. 
I have been all the way up to the Ethics line with  them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 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: Public record information inaccurate

Complaint: Bankruptcy reporting on credit file should not be reporting, I supressed all public records from being viewed on my credit file. The Credit Bureaus received public records information from XXXX XXXX. I opted out from reporting. This information. Should to be verified once disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Upon reviewing my credit reports in XXXX of 2014. I noticed that Enhanced Recovery Corporation had placed a negative listing on my credit reports. I immediately sent them correspondence requesting proof of debt under the FDCPA ( Fair Debt Collection Practices Act ) Section 809 ( b ) Validating debts. I advised that this was the first I have ever heard of this debt. On XXXX XXXX, 2014 I requested full debt validation and demanded the removal of negative reporting from all the credit bureaus. I never received anything.I then requested it again on XXXX/XXXX/2014 and still no proof of debt provided. I disputed directly with credit bureaus and they came back as verified. I sent another request to Enhanced Recovery Corporation again on XXXX XXXX, 2014. They have failed several times to provide me anything under FDCPA. However they continue to report inaccurate information on my credit reports to this day. I am demanding they comply with FDCPA and remove this from credit reports. They have had now 7 months to comply and have ignored not only my requests, but the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries on my credit report that I did not authorize. I have reached out to the credit bureaus and companies and no one will remove them. XX/XX/XXXX XXXX capital one XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The company said the inquiries were verified which can not correct as I did not apply at any of the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have went back and forth with Transunion, XXXX and XXXX in regards to hard inquires removed after not having any help with the creditors who ran my credit without my consent. I have disputed these inquires and was unsuccessful.

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 11/17/2015 about Credit card () with Colony Brands, Inc. (GA).
Issue: Forbearance / Workout plans

Complaint: I have a XXXX XXXX credit card.I faxed them a letter on theXX/XX/2015 at XXXX. asking for a re payment plan.I received a letter on the XX/XX/2015 requesting payment in full on the XX/XX/XXXX.The letter was dated XX/XX/2015.I made a payment on line on the XX/XX/2015 in the amount of {$25.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/24/2015 about Credit card () with LOBEL FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: Lobel Financial is in clear violation of the Fair Credit Reporting Act and are refusing to investigate or remove late payments that I feel are in accurate. I sent them a dispute letter and rather than perform an investigation, they sent a computer generated template letter accusing me of credit repair. I asked for them to look into two payments on XXXX 2013 and XXXX 2013. They failed to even look into it and are asking me to provide documentation. That is their job.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief