milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Balance transfer

Complaint: I set up a balance transfer from my XXXX credit card to my Wells Fargo credit card on XXXX/XXXX/2015 in the amount of {$7500.00}. The transfer was initiated through Wells Fargo, and they were to send the funds to my XXXX account. The balance appeared on my Wells Fargo bill very quickly, but has never been applied to my XXXX account. I 've talked to XXXX banks many times, but with no resolution. XXXX banks claim to have done multiple investigations to find the transaction from Wells Fargo to XXXX, and both claim to find no issue on their end. 

XXXX has informed me all they need from Wells Fargo is a transmittal report for the wire transfer ( which was described to me as a receipt for the transaction ). Wells Fargo says that they " do n't do transmittal reports '' or any other type of confirmation, other than their internal tracking number ( which is useless to XXXX ). When I asked why they ca n't give me a receipt, I was informed that it is their information and they do n't have to share it with me. 

I 've been trying to get this resolved for more than a year. During this year I 've been having to pay XXXX bills, not to mention the additional interest on my XXXX credit card ( about {$1300.00} ). 

Since this balance transfer was initiated, I 've only been able to make the minimum payment on these XXXX credit cards, instead of being able to pay down XXXX credit card. As XXXX cards have been close to their limits during this time, this has negatively affected my credit score. 

Neither bank is willing to communicate with the other to get this issue resolved, and I do n't know how to proceed. 

See attached file " XXXX '' for a summary of interactions I 've had with Wells Fargo and XXXX representatives in an effort to get the issue resolved.

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 10-05-2016 about Debt collection (I do not know) with Zenith Financial Network Inc (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Every day a ZFN and Associates call my previous work number demanding to speak with me regarding a legal matter. They call from a local number XXXX XXXX XXXX even though they are based out of florida. They do not speak with me and disclose info to an employee at my previous employer

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Using a debit or ATM card

Complaint: We were a victim of fraud and my debit card was used at a ATM. Per the investigation of the XXXX ATM charges, Chase has decided that I did XXXX of the transactions and did not do the other XXXX. When I tried to talk about it I was told that the investigation is complete. All of theses transactions happened in the middle of the night and on back to back days. I Was told that because I made a ATM withdrawal of {$500.00} on XXXX/XXXX/15 @ XXXX XXXX that I did the other transactions of {$500.00} that occurred @ XXXX and XXXX XXXX. This whole experience has been terrible and I have been miss treated by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Mortgage (FHA mortgage) with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Application, originator, mortgage broker

Complaint: BBVA Compass is not following FHA 2016 guidelines, therefore consumers are being cheated and priced out of the home buying market due to its miscalculation of federal student loan monthly payments. It is calculating Income Based Repayment ( IBR ) the same as deferred student loans and states even if there is a $ XXXX monthly payment on the statement and on the credit report, this 2 % rule applies. BBVA Compass is determining monthly payments by calculating 2 % of the student loan balance. This is very unfair to consumers and goes against FHA guidelines. When confronted with this shocking revelation, I asked to speak with a supervisor and was transferred to a supervisor in XXXX, TX. He was very combative and argumentative, insisting that FHA guidelines states 2 % of the student loan balance should be used when determining monthly payments for IBR even if both the statement and credit report state a $ XXXX monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: I am a regions bank account holder first off I had a payment due on XXXX/XXXX/15 and they ran the payment through on XXXX/XXXX/15. Which is not right. I deposited money in my account on XXXX/XXXX/15 I was XXXX short and was advised by a representative on XXXX/XXXX/15 that I would not get a overdraft fee because it was not over XXXX On Monday XXXX/XXXX/15 I was given a overdraft fee. Also they said my deposit does not show that it was put in on XXXX/XXXX/15. It shows XXXX/XXXX/15. I immediately called the bank and spoke to managers. They have no records of the call. This is not right. I should not have been charged the over draft fee. I have had nothing but overcharges for overdrafts since day one with the bank. I want my account to given credit for the overdraft. They continue to do this to people and it is wrong!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Charged bank acct wrong day or amt

Complaint: We were late with XXXX payment and Speedy Cash hit our bank account for XXXX without notifying us. This caused major problems with our bank account. XXXX of our credit card account payments bounced and created a bad mark on our credit and we were in the process of qualifying for a house. That made us not qualify for the house and we are having to start over. Also we found out that Speedy Cash sold our phone number to other loan places and we were getting many calls from other loan companies. We had to change our phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Credit card) with Blitt and Gaines, P.C. (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XX/XX/XXXX, I was paying $ XXXX/month during my unemployment period on a credit card. I received a telephone call from a debt collection lawyer stating that full payment was required. I acknowledged that this debt was owed however, that I could not pay the full amount but could make monthly payments of {$50.00}. I was requested to send a hardship letter which I obliged. ( I sent the representative all types of personal information ). I was told to follow-up. When I called to talk to the representative, I told her I called to find out the status and was told to pay XXXX of the debt. I informed my representative that I was unemployed and could not make that commitment. However, I could continue to make monthly payments of {$50.00}. Then she said she needed {$500.00} or legal proceeds would begin. I pleaded with her to continue the $ XXXX/month payments. She told me " go ahead and pay {$50.00} but it will not stop legal proceedings. '' I asked her what the purpose of the hardship information was, which she did not acknowledge. On XX/XX/XXXX, I received a summons to appear in court on XX/XX/XXXX. I appeared in court. At this time it was determined that a monthly payment of {$50.00} would be made. All other fees were waived as I told their attorney this is what was being paid in the first place. That this should have never escalated to court. I received a " Judgment by Agreement '' on XX/XX/XXXX from XXXX County Court in the amount of XXXX. On XX/XX/XXXX, I received a telephone call from the Collection Agent Attorney telling me that I have not made any payments. I informed them that I was driving and needed to get home to get all my records and call back. This caller was very rude. I told her she was incorrect. She told me she was " NOT GOING TO ARGUE WITH ME ''. I was in a panic because I never missed a payment in 3 years and was never late. Upon calling them back, I informed them that payments were made every month. They acknowledged that this was correct and did not offer any apology or for causing me any distress. However, to my disbelief, I was informed that the amount now due was {$13000.00}. I asked why this has increased rather than decreased due to it being a judgment. She told me that there is interest of {$2.00} daily. So as of XXXX, it increased {$2900.00}. My payments of {$50.00} are not decreasing this debt. It only continues to rise and will never decrease. I plead to your Bureau to take a serious look into the practice of this agency. I am providng documentation for you in an attempt to help your investigation. I have all dates documented along with telephone calls. I would be happy to answer any questions or provide any other information that you may have.

Company response to consumer: Closed
Consumer complaint received 05/31/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (WI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I 've made almost {$11000.00} in payments since consolidating my loans in XX/XX/XXXX, but my principal balance has n't been reduced. Mysteriously, all of my monthly payments were applied to interest over the last 17 months until last month, when just {$35.00} was applied to principal. <P/>My payment amount has remained the same ; my interest rate has remained the same. Nothing has changed since I began repayments on my loan in XX/XX/XXXX, except having consolidated my loans in XX/XX/XXXX. <P/>I 've gotten no response from Great Lakes Higher Education Corp. in Wisconsin, my student loan servicer, as to why no portion of my payments reduced the principal balance of my loan. I have an extended graduated repayment plan, but a simple amortization schedule calculation indicates my monthly interest payment should have been at most {$30.00} less than my monthly payment amount. This means the servicer has failed to apply principal portions of my payment for all but the last month 's payment. I calculate just more than {$580.00} in principal that has been applied instead to interest, just on my consolidated loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Money transfers (Domestic (US) money transfer) with UNITED SERVICES AUTOMOBILE ASSOCIATION (KY).
Issue: Other transaction issues

Complaint: I sent XXXX dollars to the wrong account at XXXX XXXX. I called USAA my bank account and they said the money was already gone and there was nothing they could do and that I would have to call XXXX XXXX. XXXX XXXX, of course, would n't speak to me because I am not a customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX XXXX following the security breach with XXXX I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXX that Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from 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 12/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (AL).
Issue: Other service problem

Complaint: Locked out of my account on Coinbase XX/XX/17. Filed ticket with support the same day. Ticket was not responded to until I sent direct message to coinbase support via XXXX on XX/XX/XXXX. No movement since. 3 weeks without access to a substantial sum of money that I would like to withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Other debt) with EOS Holdings, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a notice of collection placement letter from EOS CCA, statement date XX/XX/XXXX for the amount of {$120.00}, original creditor XXXX, current creditor XXXX XXXX XXXXt XXXX. I called EOS CCA on XX/XX/XXXX to find out more because I don't recall having an account with XXXX. The EOS CCA staff told me to contact XXXX, and possibly file fraud via XXXX 's website. I called XXXX on XX/XX/XXXX, their staff can not find any accounts under my name. I went on identitytheft.gov and chatted with their staff for advice, and was told to first find out if the charge appears on my credit report, if not I should file a complaint with CFPB. I ran a credit report with XXXX on XX/XX/XXXX, did not find the charge, called CFPB hotline for advice, and decided to file a complaint online.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been paying capital one my payments are getting reversed and the money is not going back into my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Since when I opened my SSN this year I have been cleaning up my credit report due unauthorized requests/reports/updating personal info. 

Inquiries not cleaning up : XXXX XXXX XXXX - XXXX ( Already asked the company they removed one inquiry only ) - Last contact in XXXX. 
XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX. 
XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: AE ( aka Synchrony Bank ) has called my phone 6 times today in an attempt to collect on a past due balance on my card of {$95.00}. They called at XXXX, XXXX, XXXX, XXXX, and 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 12/21/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: I had an account with Bank of America in XXXX in XX/XX/XXXX and then opened another one in XX/XX/XXXX in XXXX and then opened one in XXXX, XXXX in XX/XX/XXXX. WHile a BOA customer in XX/XX/XXXX I filed a complaint with XXXX XXXX and with the Mayor of XXXX, XXXX and he forwarded all my complaints to the XXXX at XXXX XXXX. And put this in a letter to me. After XXXX XXXX XXXX, XXXX, XXXX, in XXXX XXXX, called the XXXX Police on me and sent them out to my apartment. XXXX. I thought I was in trouble just like in the XXXX. XXXX and a lot of credit card debt from XXXX. XXXX contacted me through XXXX and gave me his cell number in XXXX and we got into it. I was not allowed to look during XXXX. I told them 7 years no contact just to say bye-bye during their graduation so I would not have to see them again. I did not know I was being followed. XXXX XXXX ( whose name is something else ) with XXXX transferred to Bank of AMerica on XXXX in XXXX XXXX where my XXXX mom, XXXX and my older brother, XXXX Bank for years. I thought I was having a nightmare and flash backs. and called it in the Bank of American who could not transfer me to any one named, XXXX from XXXX. I let it go and moved to XXXX and then XXXX. There is a privacy issue. I have a XXXX through XXXX case number XXXX against my mom in XXXX, XXXX, XXXX. And I am afraid she will find out where I live again and try to reconnect. I would like to relocate to XXXX in XXXX. I do not ever want to see XXXX or my mother or her family again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2016 about Debt collection (Medical) with North Georgia Regional Collection Agency, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX billed me once and I paid on the account. I got no further correspondence from them. NGRCA collections sent me a bill. I asked for information about the bill as I though the amount was incorrect. NGRCA refused to give me the information and I finally called XXXX and they gave me the billing co phone and address. I asked for an itemized statement and they refused saying that NGRCA would have to ask for the billing and NGRCA refused. I do not trust this XXXX group billing because they before tried to bill me for what XXXX said they were suppose to write off. After that was settled. they then called me at work and said that BC/BS did a charge back. After talking to XXXX at XXXX she informed me it was for another patient. I do not trust anything that comes from this company and NGRCA the collections company refused within the 30 days to get me a copy of the billing. This billing company committed fraud before and I am not sure they are not doing it again. After reading reviews of this group, i have noticed this seems to be a practice. I asked XXXX to audit these doctors and their billing practices, because I am not the only one that has had these problems. How many times does the billing co get by with not following proper procedures without the doctors being held responsible because the hired them. My husband would like to pay the bill in full but they will not give me an itemized statement.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was recently pre approved for a XXXX credit card then I got a letter in the mail stating " We regret that we are unable to open an account due to lack of existing credit information on your report based on report obsessed by Transunion either this company XXXX is lying that they checked my credit report or they were given false information on me by Trans union I would simply like for this Inquire to be removed or be sent a report of information provided to XXXX XXXX XXXX Application # 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 02/13/2017 about Mortgage (Other mortgage) with PRIMARY RESIDENTIAL MORTGAGE (TN).
Issue: Application, originator, mortgage broker

Complaint: Loan officer, XXXX XXXX for Primary Residential Mortgage pulled both my credit report and my husband 's credit report without out consent. Officer never even spoke to my husband to obtain any approval. I told him up front we knew our credit was too bad at this time to obtain a mortgage and we were not wanting to apply for one, but just wanted information on possibly options for us in the future. We were unaware that he pulled our credit until we checked our credit a month later and noticed the score had lowered for us both due to hard inquiry by Primary Residential Mortgage. More than a month after he pulled our credit report, XXXX XXXX emailed me asking if I would sign a credit authorization consent form for his compliance department as he did not get this from us in XX/XX/2016 when he pulled our credit. We refused to sign the form and told him via email that we never authorized him to pull our credit in the first place and in fact, told him we were not wanting to pull our credit because our credit scores were too low at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (ME).
Issue: Balance transfer

Complaint: I was scammed by a company called XXXX who said they could lower my monthly payments and interest on my credit card account. Once I realized what happened I notified my bank which has my checking and savings accounts and my credit card company. I did this on XXXX XXXX for Bank of America and XXXX XXXX for XXXX XXXX. XXXX XXXX and Bank of America both closed my old card and account information and issued me new cards and account numbers. After this Bank of America allowed a {$3800.00} cash advance, which I did not authorize, to process and this was deposited into my checking account. I am willing to repay the cash advance but Bank of America refuses to clear the cash advance fee or the late fee I incurred after I changed my checking account on their website, but they did not debit the account as they were supposed to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (I do not know) with Apelles, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated threat calls to my other phone XXXX and cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Williams & Fudge, Inc (UT).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I have repeatedly received calls early in the morning, as early as XXXX. I want this to stop.

Company response to consumer: Closed with explanation