milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2016 about Prepaid card (General purpose card) with U.S. BANCORP (CO).
Issue: Fees

Complaint: Per the back of the prepaid visa card I have states that a fee is charged, except where prohibited by state law. 
I live in Colorado and it is my understanding that an inactivity fee can not be charged for prepaid accounts. 

Colo. Rev. Stat. 6-1-722 ( b ) ( 3 ) Prohibits service fee, a dormancy fee, an inactivity fee, a maintenance fee, or any other type of fee. 

The card that I have has been depleted of {$16.00} in inactivity fees. I called the customer service number XXXX and was told that the law does n't pertain to their card. The customer service agent was very rude and hard to understand. She told me she would not assist me. 
I then tried to use the card so that I could salvage the {$34.00} left and it was declined. I waited a few days and was able to use the {$34.00} left on the card. 
The card is issued by US Bank and the website for balance information is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Aldous & Associates, PLLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I signed up for a membership of XXXX/month at crunch fitness gym. They stated it was a month-to-month basis. It is also advertised as month-to-month. I stopped going to the gym. I called to cancel my membership. They told me I had to go in person, so I went in person to cancel my membership in XXXX 2015. A year has passed and I never received any notice, notifiying me that I have any further financial obligations with their company. Since then they have hired the services of a debt collector to collect on my account. That firm known as Aldous & Associate 's levied my account. They took money without my consent. First of all I never owed them any money. Second of all, if I had, why was n't I notified? I was never contacted by phone nor email. They are claiming that I owe {$110.00}. I would like to know why if they stated their membership is XXXX/month. No contracts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit card or prepaid card (General-purpose prepaid card) with INCOMM HOLDINGS INC. (IL).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: I was gifted a {$100.00} XXXX XXXX XXXX XXXX XXXX for XXXX. When I attempted to make an online purchase with the card, the purchase was declined. I logon to the website used to check the balance of the card and the balance reads XXXX, with a charge from XXXX in amount of XXXX, zeroing out the balance of the card. I contacted XXXX customer service and they said they would email me a dispute packet that I should return to them after filling it out.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I would like to dispute XXXX regarding a XXXX account. Previously, I reported this information to all XXXX credit bureaus and it was removed. Now it is back on my credit report again as a collections account from XXXX XXXX. SO I would like this item removed again 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 non-monetary relief
Consumer complaint received 03/19/2017 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: After checking my Equifax credit report using a third party source I noticed that there were several hard inquiries ( XXXX ) on my credit report that I do not recognize nor did I authorize. These hard inquiries are not tied to any open accounts, they were not court ordered and they were not used in extention to any firm offers of credit. I have tried repeatedly to have these items removed with no such luck. These inquiries are damaging my credit image and credit worthiness making it hard to obtain positive lines of credit. These inquiries include : XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (IA).
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: XXXX   XXXX ,  2016  {$240.00} I called and had this settled and paid off. I cant remember the person I spoke to but I asked before I pay this settlement will it be removed from my credit. The rep told me yes but she lied. Then I tried to call back and they told me that they never told me that, they send it to credit bureaus as pay as agreed. This needs to be removed because it has been paid off and I was told that it would be deleted off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (MN).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I have an account with Coinbase that I opened through my XXXX XXXX using the Coinbase app. I found out that XXXX and Coinbase are linked within the same company and started my application for opening an account on XXXX as well. When I was at the stage of verifying my I.D . on XXXX, upon completion, I instantly received an email from Coinbase stating " Your USD wallet on Coinbase has been deactivated due to eligibility restrictions. '' I had and currently still have {$730.00} USD in the deleted USD wallet in Coinbase. I was able to locate the Deleted wallet and saw there was a withdraw button that should allow me to withdraw {$730.00} from the deleted USD wallet in Coinbase back into my wired bank account with XXXX XXXX XXXX. Upon trying to withdraw my {$730.00}, I received an email stating " Hi XXXX XXXX, A withdrawal of {$730.00} ( + {$0.00} banking fee ) has been initiated. {$730.00} will arrive in your bank account by XX/XX/2017. Although a bank transfer fee may apply, Coinbase does not charge a fee for this transaction. '' Followed by receiving another email simultaneously stating " Hi XXXX XXXX, On XX/XX/2017, you ordered {$0.00} USD via your payment method for {$730.00} USD. Unfortunately this transaction has been canceled. Although we try to avoid canceling transactions, in rare circumstances certain transactions can not be processed due to requirements imposed by our banking partners or other technical errors. If your payment method was charged, you will receive a full refund as quickly as possible. Coinbase will not charge any fees for this transaction. If you have any questions, please contact our customer support team. '' As of right now, I am not able to retrieve my {$730.00} cents out of the deleted USD wallet on Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In the aftermath of the Navient news, I wanted to add to the voices detailing loan mis-handlings by Navient. I consolidated my loans with XXXX and received confirmation from the state Education Department of Michigan that the loan with them had been paid. Even so Navient continued to seek repayment from me. I sent via registered mail a copy of the payoff confirmation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: None of the information on the credit bureaus are mine. I have been complaining about this for years. My transunion,  XXXX , and   XXXX   are completely wrong.. This severe fraud is not right. I need my due process. I need this taken care of immediately!!! This is causing very serious complication in my life. Please help me resolve this asap.

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 02/22/2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Sent the below to Senior Executives of Wells Fargo Bank, and this is a cc to you, CFPB. Thank you for helping us. 

We will continue our efforts to connect with Wells Fargo 's senior management to communicate the following : 1. We 've been trying to have Wells Fargo review the foreclosure/modification of our loans for many years, to no avail. 
Multiple QWR 's have been ignored. We 're still waiting for complete copies of our loan documents for both loans that we are legally entitled to ; most importantly, copies of the governing documents for XXXX ( i.e. XXXX XXXX XXXX by-laws, article, budget, minutes of homeowners meeting, etc., etc. ) which a group of XXXX loan agents had approved and the XXXX loans that were underwritten by XXXX XXXX. 
2. Investigation and review of such egregious violations may lead to identifying individuals that are breaking the laws for their personal gain, in particular, through their relationship with XXXX. 
We look forward to hearing from someone in senior management and/or someone from Wells ' Legal department.

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 02/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Also use my brother to threaten me if i do n't make a payment even as I told him that I am currently unemployed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Good Morning, this letter is regards to and issues with my personal information. I have tried on several accoucation to fix m y personal information with ojt any success. 
The personal address and no other address on my credit report should be as stated blow. 

XXXX XXXX -- -- -- -- -- -Only Please delete any other spelling or other names XXXX XXXX XXXX XXXX  PA , XXXX Date of birth XX/XX/1977 My phone number is XXXX : Please update this information. I have enclosed my Driver Id for proof of address and date of birth. 

Thanks XXXX 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 non-monetary relief
Consumer complaint received 08/30/2015 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Credit decision / Underwriting

Complaint: I applied for a mortgage through carrington mortgage and was pre approved and went through the whole process to obtain the mortgage to purchase a house and paid for the inspection as it was a va loan and then was denied 2 weeks before closing for not having enough reserves when through a va loan there are no cash reserves needed and i lost the house and was out XXXX for the home inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: The account was charged off as bad debt it was a taxes write off for the company so I know longer own the debt plus the company did n't verify the account in the first 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NV).
Issue: Account opening, closing, or management

Complaint: I can not believe that there are so many unethical people in XXXX company. Wells Fargo employees will come up with any lie they can to cover up their fraudulent activities. They prey on the accounts with low balances because those customers are more unlikely to have the resources or the time to fight back. Wells Fargo erroneously made an unauthorized payment from my account for {$270.00} when my balance was at {$9.00}. No payment should have been made and my account would still been in good standing. I specifically made certain that I had NO Over Draft protection connected to my checking account. Wells Fargo XXXX XXXX XXXX verified that I had gone into the branch and removed the OD protection from my account. Then she informed me that XXXX XXXX protection was XXXX. She used that word, XXXX. That I had no choice, I had to have OD protection on my accounts. I asked why the teller did not inform me of that and she had no answer. In the letter denying my complaint to CFPB, Wells Fargo states that my account DID NOT come with OD Protection and that I requested it. Will someone at Wells Fargo please stop covering your tracks with whatever lie you think fits at the time. People put money in your institution with trust that you will take care of it. That is your job. It is your job to ensure the safekeeping of your clients money. You duty is to ALL of your clients, even the ones with low balances. If XXXX bank employee does the right and ethical thing, do they lose their job? I was blown away by the sheer lack of customer care, concern or responsibility by any Wells Fargo employee that I spoke with regarding this issue. It was deny deny and lie. My credit is ruined by Wells Fargo because you did the wrong thing with MY money and Charged me for it. You immediately should have removed all of your bank fees including the ones that accrued when you told me my account was frozen and IT WAS NEVER frozen. You ruined my credit with your bank fees that you charged me for your error. You would rather lie and charge fraudulent fees than do the right thing. Charging fraudulent fees and lying about people 's money is financial fraud and every XXXX of those employees that lied to cover up your mistake should be barred from working in any financial field and yet it is a totally acceptable practice at Wells Fargo. At XXXX, when my balance is higher or lower I get a phone call and they tell me how my account should be adjusted so that I avoid unnecessary charges. That is how a bank is supposed to treat ALL of their customers and Wells Fargo, rather than looking out for their customers, is looking for ways to charge additional fees to their customers. Wells Fargo should have to make their money by banking, not by bank fraud. And the fines for fraud do not come close to the revenue from fraud, so they will keep on doing it at the expense of the customers who still trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I am a housing counselor. I have helped a client obtain a HAMP modification on their Ocwen loan. It is not a GSA. Mortgage payment is great. But in reading over the permanent loan modification agreement, I noticed a discrepancy as referred to the Principal Balance Deferment. The homeowner owes around $ XXXX on the home, approximately $ XXXX will be the Principal Balance Deferment and remaining balance of over $ XXXX will have interest of 3.25 %. In the Balloon Disclosure, the principal balance deferment was over $ XXXX. When I asked for an explanation, I was told by a supervisor that the additional $ XXXX was interest that Ocwen would have gotten over 40 years on the principal balance of $ XXXX at 3.25 % which they will not collect because the modification has a maturity of 20 years. No where in the loan agreement was it ever mentioned how they came up with this figure. In fact they refer to the figure as " Deferred Principal Balance Due on Maturity '' and show the amount starting and finishing at over $ XXXX. In the loan agreement they also refer to the {$23000.00} as the " New Principal Balance '' which shall be deferred ( Deferred Principal Balance ). In asking why there is not explanation, I was told that they use " generic '' papers and do not have any place to explain what they are doing. In getting this explanation, I had already escalated the call to a supervisor. After the explanation, I submitted something by fax to the " Research Department '' since I wanted something in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: 120 days plus now and I dont have a replacement card but they continue to try to extort me for money for the account.
permanent closure demanded multiple times for violations of cardholder agreement ( " the CONTRACT '' ) which is long time now VOID. No debts can, will be collected nor will accts be resold or posted to any bureau. since I havent been late- all late charges and reporting will disappear.
so will all account reporting. these accounts will go away as if never opened, and I will not be slandered further, or marketed to EVER. nor will my grandchildren 20 generations deep or more. 

company will remove all social media postsand accounts immeadiately.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (CA).
Issue: Struggling to pay mortgage

Complaint: PNC LN XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XXXX We have submitted our authorization and a complete short sale package to PNC. They have set a foreclosure date for XX/XX/17, are refusing to provide a payoff demand to an authorized third party, and are also refusing to review the file for a short sale. <P/>PNC has not ever attempted to contact the homeowner. The homeowner only found out her home was going to foreclosure last week and only because real estate agents started calling her. PNC has never contacted the homeowner, has never attempted to do any kind of workout option with her, and this is violation of State and Federal Law. <P/>Since the homeowner is XXXX years old, PNCs lack of legally required communication also raises questions of Elder Abuse. Elder Abuse is a violation of California law. <P/>Since we already know that you are going to claim you have contacted the homeowner, we want proof of this. I want to know the date/time that you have contacted her in accordance with state and federal law. <P/>Weve had issues with pnc before regarding their lack of communication with their own homeowners, and we end up having to file a CFPB complaint on every file we have with them. We are tired of the hacks in their legal dept telling us that we are lying and they have done nothing wrong. In fact, in every response that we get back from their legal hacks we are told we are lying. How is it possible that in all of the CFPB complaints against PNC for the consumer to be lying 100 % of the time??? We have closed over 2400 short sales in the last 9 years. PNC is saying that we lie on every single complaint? Does that sound like Reality to you?? When is the CFPB going to enforce the laws that are in place to protect the homeowner?

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Debt collection (Other debt) with CL HOLDINGS LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: All three bureaus deleted XXXX XXXX from my credit report at the end of XXXX. Within the next week of deletion XXXX XXXX XXXX appears on my credit report. There were no notification from this company that they were collecting any debt as a third party or anything. I requested a debt verification and a cease from collecting until the requested debt verification is verified by me. I do n't know if this company is licensed to collect debt. This company has not contacted or called me at all regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax refuses to provide me proof of how they completed an investigation that I submitted with regards to fraud. I have sent Equifax a certified letter requesting the specifics of how they investigated an account showing on my credit report with XXXX XXXX XXXX XXXX. This investigation was improperly done and it was not properly investigated an a fraudulent account. Since this investigation was improperly done I demanded by certified mail with return receipt requested proof of how they completed this identity theft investigation. Equifax is required by the FCRA to do a reasonable investigation with regards to fraud reports. Equifax has violated the FCRA and not done a reasonable fraud investigation. This account was reported as fraud yet Equifax only verified the name and address on the account, and that is not a proper investigation. I was told by a representative at Equifax that they only submitted the information through XXXX. I gave them the name and number of someone at XXXX XXXX XXXX to contact with regards to this account and they refused to contact this person. Equifax has refused to comply with my certified demand requesting that they provide proof of their proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Barclaycard would not take a loan check from my credit union to pay off my credit card ; thus, saving me interest and letting me close the account with a {$0.00} balance. Barclaycard said my account was not open long enough to take a payment that way.

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