milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: First, I would like to acknowledge that Im a proud customer of Wells Fargo. Over the course of this past weekend I have had two separate phone calls resulting in lengthy conversations with customer service representatives which escalated to me having to speak with their supervisor. Beginning on Saturday XX/XX/XXXX, my checking account was reflecting a positive balance of about {$270.00} according to my banking app. I had pending transaction for XXXX XXXX at the time so to be sure I called Wells Fargo customer service for more detail and to see if the pending transaction was reflected into my available balance so my account would not be overdrawn. There were only two merchants I was specifically calling about which was a XXXX XXXX and a XXXX XXXX company to see if they had received their funds. The representative told me that those two merchants have received the funds and is posted to my account. So according to my Wells Fargo banking app, my account was reflecting an available balance of about {$150.00}. I had them transferred funds from my savings to my checking for about {$180.00} to cover a payment for {$280.00} for merchant XXXX XXXX. My account was still reflecting a positive balance. However on Sunday XX/XX/XXXX, I notice on my banking app that my account is overdrawn by $ XXXX At this point I call the customer service number and have to speak to a supervisor who couldnt explain why this has occurred and only offered to advice on to set up payment arrangements in the future with merchant I intend on paying, and to call back the next day when the overdraft fees occur and see what they can do to reverse it. Then Tuesday XX/XX/XXXX after I notice all the changes to my account, I see a negative balance of about $ XXXX. I called back and explained my situation with the supervisor and she tells me that theres nothing they can do and I have a bad history with overdrawing my account so they can only reverse 25 % of those {$70.00} worth of overdraft fees I was charged. In addition to the $ XXXX that was not supposed to be. I was given misleading information from the customer service department which caused me to think I had a certain amount of funds in my account and them charged double the overdraft fees. They also had the nerve to tell me that if I want my money back then I should file a claim. This never would have happen if I were told truthfully what my available balance was and what was pending and posted and so on.

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 09/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I ordered a pair of sunglasses from XXXX which is a website/store out of XXXX. I paid for the glasses along with the shipping and fees at time of purchase ( shipping was {$0.00} which is stated on the order receipt that I attached below ). 

I now received a notice that I owe XXXX {$28.00} for Shipping ( now {$32.00} due to interest ). 

I believe that XXXX would owe this debt because as you can see on the attached document of my receipt, it says {$0.00} for shipping and there is a statement underneath the order that says if I am charged by customs for shipping that they will refund me 100 % ( that is implying that that should not happen but just in case it does ... ). Also, as you can see at the bottom of the email communication that i attached, I can not get a hold of them because the email gets rejected. 

As you can see in the attached, I have countless emails ( and lots of stress ) with this company because they sent me a NON-polarized sunglasses when I ordered a Polarized pair. They kept denying that I bought Polarized ones even though I sent them 'screenshots ' of my receipt that said " POLARIZED '' right in the description. I also sent them pics of their live website that reflected the same info. As you can see, they finally realize they were wrong and sent me Polarized lenses to replace in my frames. And now after all that stress I am left with this Shipping issue that is their responsibility because they would 've needed to tell me that I would owe {$28.00} and have to XXXX them for the refund. Their website should 've stated that I WILL get charged by customs and will need to get a refund ( but nothing works that way ).

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (OH).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: WE HAVE LIVED AND FINANCED OUR HOME VIA A VA LOAN SINCE XX/XX/XXXX AND HAVE NEVER BE LATE EVER.OVER THIS 30 YEARS OUR MORTGAGE HOLDERS HAD CHANGED TO NO LESS THAN 8 INSTITUTIONS.THE MORTGAGE CO. THAT HELD OUR LOAN WAS XXXX XXXX AND AFTER THE COLLAPSE OF THE MARKET IN XX/XX/XXXX, XXXX CONTINUED TO RECEIVE AND PROCESS OUR LOAN FOR AT LEAST EIGHT MONTHS BEFORE WE EVER NEW THAT THEY HAD SO OUR MORTGAGE TO OCWEN ! A DEBT.COLLECTING AGENCY! WITH A CREDIT SCORE OF OVER XXXX ( ITS MUCH HIGHER NOW ) ALL OF A SUDDEN OUR CREDIT REPORTS STARTED SHOWING UP A REMINDER OF A BANKRUPTCY FROM THE XX/XX/XXXX'S AS IF OCWEN WAS DOING ALL IT COULD TO TARNISH OUR CREDIT REPORT BUT IN THE MEAN TIME THEY REFUSE TO INFORM THE CREDIT REPORTERS THAT WE EVEN HAVE AND ARE MAKING REGULAR MONTHLY TIMELY PAYMENTS.I DID FILE SOME REPORTS AND DID GET A CONFIRMATION FROM OCWEN AND THE MENTIONING ON THE REPORT OF A MANY YEARS AGO BANKRUPTCY STOPPED AS WELL AS SOME KNIT PICKING REPORTING HAS STOPPED.WE ALSO HAD A LOAN MODIFICATION DONE WHICH FINALLY GOT OUR INTEREST DOWN TO 4.1 % AND OCWEN WAS FORCED TO DISCHARGE XXXX OF PRINCIPLE OFF OUR DEBT BUT ONLY TO REAR ITS HEAD 15 YRS. DOWN THE ROAD IN THE FORM OF A BALLOON PAYMENT IN WHICH WE WHERE ADVISED BY  THE COMPANY THAT HANDLED AND PROCESSED OUR MODIFICATION THAT IF WE PAY ABOVE THE {$390.00} PER MONTH MORTGAGE PAYMENT AND PAY THEM {$450.00} THE BALLOON WO N'T HIT THUS THAT IS WHAT WE HAVE BEEN PAYING THEM.BECAUSE OF NOTHING WE DID WE ARE STUCK WITH OCWEN A COMPANY FINED XXXX BY THE FEDERAL GOVERNMENT FOR BANKING PRACTICES THIS COMPANY REFUSES TO REPORT MY WIFE AND MY MORTGAGE PAYMENTS ON OUR CREDIT REPORT AND I HAVE BEEN ASSURED BY THEM IT WOULD BE CORRECTED IT HAS N'T! I AM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN WORKING ON RAISING MY CREDIT REPORT WHICH HELPS MY WIFE 'S IN TURN BUT AFTER I AM XXXX SHE WILL BE WELL PROVIDED FOR BUT SHE HAS FAR LESS CREDIT IN HER NAME SO OCWEN 'S FAILING AND REFUSING TO REPORT THAT WE DO INDEED HAVE AND MAKE REGULAR PAYMENTS AND THIS OMISSION DOES AND WILL DO HARM TO MY WIFE XXXX XXXX XXXX! ONE OF THE THREE CREDIT REPORTING CO. RAISED MY SCORE TO XXXX! AND THE OTHERS HAS ALSO IMPROVED, WONDER WHAT OUR SCORES WOULD BE WHEN ON THE LIST OF CREDITORS IT SHOWED A 30 YRS.HISTORY OF ON TIME PAYMENTS BUT AT LEAST, FAILURE OF OCWEN TO REPORT YOUR MORTGAGE AND TIMELY PAYMENTS IS CRIMINAL AS THEY ARE NOT A MORTGAGE LENDER BUT A DEBT COLLECTING COMPANY ABLE TO SKIRT THE LAWS THAT NORMAL LENDING PRACTICES ARE FOLLOWED.I WANT TO KNOW WHY THIS SITUATION HAS NOT CHANGE AND OCWEN BE TOLD TO FOLLOW THE LAW AND REPORT OUR MORTGAGE TO THE PROPER INSTITUTIONS THAT DEMAND 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 06/15/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Navient started harassing me about loan repayment within two months of losing my employment, demanding unreasonable repayment options. My father had been a co-signer on one loan and they harassed him so much that he ended up paying an offer of a third of the loan which overextended him and was extremely financially damaging to him. I had tried to explain to my dad that the loans were my responsibility and I would continue repayment when I was employed again, but the harassment was so intimidating to him that he gave in to their demands. Currently, Navient has tried to sue me twice even though I remain minimally employed ( 10 hrs a week XXXX ) and am having to start a new career track. Their suits were rejected by the courts without prejudice and they continue to offer me impossible partial payment plans, which I do not have the means to pay. I believe they acted unethically to my father, not allowing me the time to stabilize my own finances and harassed him into making a bad, unnecessary financial decision that was not truly his obligation. It has permanently damaged our relationship and compromised my parents retirement plans. We are not wealthy people in the first place, and as a former XXXX, I had believed that education is the road to overcoming the poverty cycle, but it is turning out to be just the opposite. Please help me to make Navient stop pursuing legal action against me, and I would like help having the payment my father made returned to him and place that future obligation back to me to resolve it in a more realistic fashion when I am able to do so. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Submitted dispute # XXXX on X/XX/2017 completed on X/X/2017. Submitted dispute # XXXX on X/XX/2017 completed both on X/X/2017. Equifax took almost 180 days to complete these two investigations, way more than the allotted 30 days. I would like these two disputes deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Payday loan) with Acceptance Solutions Group, INC (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I was contacted by a  XXXX   XXXX   XXXX  at JJ legal processing via phone and left me a voicemail, stating if I do not contact them him immediately that this will be my final opportunity to resolve my issue, he proceeded to say that I have  XXXX  counts of financial fraud that is equivalent to check fraud, never in my life have I been accused of this, then he proceeded to call my place of employment and told them that he was an  officer of  some sort and I need to contact them immediately, left a number of  XXXX  and file number. I call the number ends up being a representative of the website mentioned above also goes by Texa s Acceptance, LLC an d he proceeded to say that he look up my records and shows that I have never be in trouble for the financial fraud, I proceeded to say I know  XXXX   XXXX  I have your badge number because you stated that you were an officer and he then said would you like me to call the  XXXX   county court house, I  said yes please, because I would like to know what 's going on. He proceeds, we wait on the line, no one answers, he hangs up, so Then he disclosed who is representing and that if I intend to pay, I was like due to my financial situation, I can not at the moment, then he stated something about my bank account and I stated that I closed it. Then that upset him and I told him I am going to contact a lawyer because I know my FDCPA rights and that is illegal to say he is an officer of some type at the beginning and threaten me and wrongful accuse me. I contacted a lawyer office and I was told next time they call for me to tell them I am reporting them to the FBI for impersonating an officer and against the law to keep harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Since XXXX2013 XXXX XXXX is not to be on my credit reports! All of the student loans went to XXXX XXXX XXXX and are closed and XXXX. I have been sending proof of this since XXXX2013 over and over and over at great expense. Nothing has changed except now it is like there is double the student loans. XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX 's say " transferred to another office '' ( as if! XXXX is not their office, we know it is but technically it is not ). They also have " late payments '' AS IF! ALWAYS IN DEFERMENT UNTIL XXXX FINALLY GOT THEM AND XXXX, CLOSED. XXXX XXXX should not be on any of my credit reports. They are gone, forever. It makes it look like there are XXXX different student loans! All of the info XXXX XXXX puts on my credit reports is wrong, and has been wrong for years and years, but this is even worse since they are out of my life forever! None of the credit bureaus does a thing about it even after they have received the proof from XXXX XXXX XXXX at least XXXX. GET IT OFF! In addition, this XXXX co. has repeatedly put " opts out of offers '' NO I DID NOT, NOT EVER, I WOULD LIKE OFFERS. Since XXXX2013 have said get that off, they continue to put that on!

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Genesis Credit Management, LLC (WA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: They call me multiple times a week and yell and scream at me and tell me I am a bad person and I owe over XXXX which is not true, they wo n't even take a payment they just scream at me, they also will not provide any kind of documentation of the debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Consumer Loan (Vehicle loan) with MERCEDES BENZ FINANCIAL SERVICES (TX).
Issue: Taking out the loan or lease

Complaint: Mercedes Benz Financial allows their dealership to at their discretion mark up the interest rates. I was offered 7.8 % for a car with the same LTV and trade in terms as my new car I purchased. However when I went to XXXX, I as able to get the same loan@1.9 % and {$1000.00} down. I am a woman XXXX I feel like I have been discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Credit determination

Complaint: I applied for a credit card with Chase, and was declined due to " too short of credit history. '' However, this is because I have only been eligible for credit for two years, simply due to age. I have excellent history within those years, including perfect payment history on cards with limits up to {$9000.00}. I am applying for cards as a member of the XXXX using them to travel. As a XXXX member, I have most expenses covered, in addition to getting reimbursed for most flights. It seems like I am only getting rejected due to age.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX is reporting on my credit report and continuing to re age the account. I opened an account with them in XXXX and closed it either late XXXX or early XXXX. I don't recall having a balance after closing it. Now its reporting on my credit report as being opened in XXXX. This would be impossible since they went out of business in XXXX. They were took over in XXXX by XXXX XXXX which is the name they are reporting under on TransUnion. Then they were completely transformed into what is now XXXX XXXX XXXX XXXX in 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 07/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Next month or so I receive a letter from a collection agency saying I owed XXXX to XXXX XXXX XXXX, so I called Agency said I do n't owe I called XXXX & T I was told I 0wed nothing they got in touch with agency and when I called agency back they told me it had all been straightened out and apologized. Then a few days ago I get a letter from The Collection Firm of Franklin Collection Services , Inc Saying I owe XXXX XXXX XXXX XXXX case # XXXX XXXX called XXXX XXXX XXXX I owe nothing today spoke with billing specialist .He told me I had to speak to a collections specialist I got cut-off so I called agency talked this time to a supervisor he said his name was XXXX he said I had to dispute this on there website and also with XXXX XXXX XXXX XXXX Finally I called XXXX XXXX XXXX spoke to a collection specialist she suggested I call credit bureau and have this matter investigated and filed a report. 
Could you help me please, I never had phones I do n't even know phone number Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: To CFPB This complaint involves Equifax who, after my many attempts to resolve an issue with inaccurate inquiries ( XXXX XXXX ), Equifax seems to think that they can continue to bull doze their will on me by allowing this nonsensical, erroneous reporting hurting my credit report. I did not give any one at XXXX XXXX permission to look into my credit report for any reason. Yet, Equifax seems to think that they can continue their non compliance of the FCRA and other laws that govern reporting. 
I am here by filing this complaint against Equifax and request that CFPB fine them accordingly if they do not comply with the law. 
I repeat, I did not request or give permission to any one at XXXX XXXX to look into my report therefore, please enforce the law on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX. The owner has been trying to get Ditech to pay us so we can get started but can not get them to release the funds they have in escrow from the insurance company. The owners have given me authorization to speak with the mortgage company on their behalf. The autho letter was sent last week along with me faxing it today. They tell me it will take up to a week before they can speak with me. The owner has been waiting for them to pecessour first draw for well over 2 months now. They have the money but keep adding to the requirements to get it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I went to store to make purchase and found out account was closed XX/XX/17. I called up to ask if they can reopen and they stated no and for me to re-apply. It did n't make sense to open a new account when I already had an account but they closed it without any notice.

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 04-10-2017 about Bank account or service (Checking account) with PNC Bank N.A. (DC).
Issue: Account opening, closing, or management

Complaint: To whom it may concern : Let me begin by saying I have never been made to feel so insulted and embarrassed in a business as I was in the XXXX branch of PNC Bank. Just before closing on Monday, XX/XX/XXXX at XXXX I entered the PNC Bank above to make a withdrawal. 

My withdrawal was for over XXXX dollars. I stated to the teller that I needed at least XXXX dollar bills. I was told they did n't have XXXX dollar bills in the whole bank to give me. She proceeded to give me a combination of XXXX and XXXX with about XXXX dollar bills. I explained I was uncomfortable carrying that much loose cash on my person and was told that because of a run on XX/XX/XXXX that the bank was short on large bills. At that time I asked to speak with the Bank Manager. I was introduced to XXXX and she gave me the same explanation. This all occurred while another teller was counting 'large bill ' cash within eyesight of us. I pointed this out to the Bank Manager, but instead of acknowledging it she became indignant. I had already told the teller to cancel the transaction and went to pickup my withdrawal slip and leave when XXXX reached for the slip, instead grabbing my hand. All the while she was raising her voice like a mad person. The exchange was quickly turning ugly and so at that point I moved to leave while she loudly ordered the teller ( so everyone in the bank could hear ) not to give me the funds, thinking she was punishing me. She not knowing I had already cancelled the transaction. 

Next she shouted that I should n't touch her when, in fact, she grabbed my hand. This was her attempt to further incriminate me ; making me look like the bad hombre. I knew at this point she was trying to stir up trouble and paint me as the villain. All I came into the bank to do was make a simple withdrawal. Instead I was shouted down and treated like an animal. All while being falsely accused. I have been a loyal PNC customer for many years and I do n't have an axe to grind with anyone on the staff at this branch. In fact, many of them know me on a first name basis and we are always cordial towards each other. But it appears XXXX feels she can take it upon herself to randomly attack and indict PNC customers. To say that XXXX response was unprofessional would be an affront to the word 'unprofessional '. At the very least she needs refresher training on how to treat the bank 's customers. 

I am writing to state my treatment was unacceptable and a direct affront to me and every other customer doing business with PNC Bank. We deposit our money in your bank and expect courteous and timely service when come there to conduct business. Instead we are castigated and belittled when asking for the smallest accommodation. Consider this the lodging of my formal complaint. 

Regards, XXXX Note : since this complaint was lodged with PNC - Retail Escalations XXXX has vindictively closed my checking accounts without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX 2017, my credit report is reporting has two account reporting that are not mine. XXXX XXXX and XXXX XXXX. these accounts are not mine they belong to my wife.

Company response to consumer: Closed with explanation