milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX we mobile deposited a refund check from XXXX XXXX to wellsfargo for XXXX. 
We inadvertently mobile deposited the same check to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX returned the check as already cashed. Then on XX/XX/XXXX wellsfargo removed the amount from our account. The check shows cleared by wells fargo from the issuer XXXX XXXX. The money was not returned to the XXXX XXXX and the only response from wells fargo after numerous calls and two claims is they did the right thing by removing the money from our account and accused us of committing fraud. We are unable to get an answer as to what they did with the removed money and did not return the check to the issuer. The only response we get from them is that the check was cashed at another bank. which it was not it was returned as already cashed. They refused to trace the check. The issuer still shows it clearing wells fargo.

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 02-03-2018 about Student loan (Federal student loan servicing) with EdFinancial Services (ID).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: The " do not advance due date '' tab on there website doesn't work. All of my loans had been paid ahead to XX/XX/XXXX. I called in XX/XX/XXXX and asked that only my loan G have the due date be moved to XX/XX/XXXX. I was told by the agent it would be changed and he noted the account. I told him not to move any of the other loans due dates at all or dont move any loans due dates.They moved all of my loans due date to XX/XX/XXXX. I feel like they do not want me to pay off my loan with High interest rates and do everything they can to pay off the lower loan first. I have been fighting with them for the past few months trying to find a away to pay more on the loan G with a 6.5 % rate. With is the highest amount loan and the highest due date.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have XXXX paying my credit cards and payemnts have been made ontime for the last year yet I have laste paymnets showing on several credit cards from XXXX thru XXXX. I have yet again been denied for a home loan because of this and am extremly frustrated.

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 09/23/2017 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: You may look into my previous complaints for further information.
In summary I have been paced on collection by TSI for a debt that they were given by XXXX XXXX XXXX to manage without ever informing or attempting to inform me of such changes or my ability to make payments on the debt. 

I have explained in the past how their initial and only attempt was to place my account on collections after my cosigners Chapter XXXX bankruptcy was finished and they could apparently collect again. While this is happening I was told repeatedly by the XXXX that they had no idea of any account in my name or even with my SS #. Impressively enough TSI turns around and places my account on collections without any letters in the mail, any phone calls, any emails, nothing! 

The account should be taken out of collections status as this is an abuse of power and manipulation of accounts. As a consumer I was lied to by XXXX and was never contacted by TSI nor was I ever informed that TSI existed and/or had my account in their possession.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MN).
Issue: Money was not available when promised

Complaint: Bought {$5000.00} worth of  XXXX  from Coinbase on  XXXX   XXXX .  XXXX  was promised to arrive in my Coinbase  XXXX  wallet on  XXXX   XXXX . It is  XXXX   XXXX  today and I still do not have the promised bitcoins. Funds were taken out of my bank account by Coinbase. Coinbase customer service is non existent.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had XXXX XXXX years ago, after having someone else on my account who could not afford the bill our services were cancelled. They sent my account to Pinnacle Collections Agency. In XXXX I settled my account in hopes of having a closed status on my credit report. I was told that I would receive a letter after 30 days but need to make sure to call back to get the letter. I paid off XXXX other debts with XXXX other agencies who immediately reported and had the accounts closed. My credit score shot up XXXX points with those XXXX. I waited almost 30 days for Pinnacle to show my account as closed. I contacted back couple of days before 30 days and was transferred to someone else, they advised me I would have a letter within 2 weeks and it would show on my report after 30 days. A little after 30 days the account showed a {$0.00} balance but still " open '' status on my report. I contacted Pinnacle again due to still not getting a letter and the account still showing open. They assured me that it 's on the credit bureaus end and could take up to 90 days and they were " behind '' on their letters but they were mailing it soon. I am now at 90 days since paid, my account STILL shows open, and I have STILL not received a letter. I settled my account for XXXX. If I knew they were not going to report correctly and be completely out to XXXX people forever I would have paid off many more debts with my money. My account needs to be closed and reported CORRECTLY to the bureau. I have disputed this twice now with the bureau that keeps coming back that it 's valid because of the way they are reporting it. This company has been reported numerous times for their shady tactics and not reporting properly. This needs to finally be taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2017 about Debt collection (Payday loan debt) with ASG Solutions LLC (VA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I had gotten repeated phone calls from " XXXX XXXX '' who says he is with a third party collector called, " ASG '' XXXX XXXX has threatened me with calling people " associated '' with me by naming off a list of people whom I may know. He said to me, " then I will be calling such and such and named off a list of people some of which are n't even relations to me. He also threatened to " garnish '' my wages if I did n't pay them {$1200.00} by Friday. He had a " courier '' who would be serving me papers on Tuesday and no one showed up. 
I was getting irritated with the entire conversation. He was talking over top of me, yelling on the phone, " asked if I had n't had my coffee for the day ''. I asked for a street address, and he refused to give me the street address, but rather a XXXX XXXX because it was none of my business of the street " ASG '' was located on. I feel this " XXXX XXXX '' is a scam since he talked to me the way he did. I will not pay or hand over {$1200.00} without knowing if this was a scam. I called back nine times to speak with him after he hung up on me the third time. On the ninth call, he told me I was harassing him and he would be calling the police on me and I would go to jail. 

I will not hand over {$1200.00} to some person who I do n't think is legit. Someone needs to investigate them. If it is legit, I will be happy to pay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Continental Finance Company, LLC (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Fees and charges got to be just out of hand could n't keep up paying it now my {$590.00} bill is $  XXXX  the rest is interest and fees.

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 12/29/2016 about Debt collection (I do not know) with Kohn Law Firm S.C. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Received collection letter dated XX/XX/2016. 
Sent cease communication letter on XX/XX/2016 via certified mail. 
Was received and picked up on XX/XX/2016. 
Received another collection letter on XX/XX/2016 They are in violation of the law by contacting me after I told them to stop.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2016 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (GA).
Issue: Problems when you are unable to pay

Complaint: The car was a voluntary repo back in 2008 and should be reported as closed and not an open collection file on my credit file, several attempts made to correct my credit file and the file should not be reported since its over 7 yrs old.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with Experian Information Solutions Inc. (MT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently obtained a copy of my credit report. There was an unauthorized inquiry made by XXXX XXXX Bank. On XXXX, I wrote to XXXX XXXX Bank asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!

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 05-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (AK).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I paid for a used  XXXX     XXXX   XXXX    and paid {$6000.00} all cash so I own the car outright. The document I submitted is a " WE OWE '' the customer document that clearly states my terms for purchasing the car that I negotiated..which is to have the car be fixed so that I can lock and unlock electronically.     I purchased the car on  XXXX   XXXX ,  XXXX . It is now  XXXX   XXXX ,  XXXX  and my car has not been fixed and all correspondence has ended between  XXXX   XXXX  ( the employee who sold me the car ) and myself.     I have email correspondence with  XXXX   XXXX  ( that I could not send electronically to you since you do not accept email as a way to upload a complaint ) that shows on 4 occasions that he said he would get the car fixed because his  manager a pproved the car being fixed and gave him a budget to get it done. Yet, 2 weeks later the car is not fixed and I do not have my car.     Please allow me to email you our correspondence so that you can see this is fraud and I can get my money back and you can go after   XXXX   XXXX   XXXX   with the all legal powers you have. They are no longer responding to my emails or phone calls.     Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX 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 11-01-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: By law the the credit reporting agecies are to removed items on credit report past 7 sevens years

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Debt collection (I do not know) with Westlake Services, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been receiving several calls from Westlake Financial everyday of the week. Sometimes it seems like all day. I do not have any business with them nor have I. The final straw was when I had received a call from them on Sunday and I tried to contact them and let them know this, and they were closed. But the message said that I could contact them that day. I have received several messages from them on Sunday, and every day of the week. When I did answer the call to talk to someone it is always an automated system to push buttons. I finally did contact them during the week and they ask me did I have a relative that may have used their services. I said I may, but they have nothing to do with me and my phone number, caller ID & answering machine being hijacked with so many of their calls. I called on two different occasions and spoke to live representatives and requested for them stop calling me, but the calls continue. I just received another one, on this day Sunday, XX/XX/17, and I have had enough. Please contact them and let them know to correspond with whoever they are after in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I currently have a case # XXXX if you look at this you 'll find that Bank of America is still charging a PMI on my mortgage even though I been into this mortgage going on XXXX years. I will go over this again. I purchased my home in XX/XX/XXXX I 've never been late or missed any payments. In XX/XX/XXXX I refinanced my mortgage using the same lending company as used to create the original mortgage. The cost for the home when I purchased it was {$180000.00} and I put XXXX % as a down payment. I now owe approximately {$130000.00} When I refinance it was HARP because my home is under water. My problem is Bank of America wo n't dropped the PMI because of my refinancing in XX/XX/XXXX, nor will they tell me what amount the mortgage has to be to eliminate the PMI. Bank of America wants me to pay for a home appraisal. Please tell me, am I being penalize for refinancing using HARP which is intended to help consumers like me. I 've read your bulletin about this several times and I ca n't see how this is legal. My email address is 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 01-11-2017 about Bank account or service (Checking account) with DISCOVER BANK (NC).
Issue: Account opening, closing, or management

Complaint: discover bank unfunded claims. Discover Bank recently closed my account because they claimed that the continued fraud on my account was concerning. This is after I called them to discuss the transaction that they previously had not seen as disturbing. In their XXXX Discovers backs checks that where posted through multiple times and activity from target card. All of which was explained in documents sent to them that morning XX/XX/2017. The XXXX Transactions in questions were done fraudulently although I did willing link my target debit card to my discover bank account. In the affidavit sent to XXXX on these charges it clearly explains what happened. Discover Bank is claiming the account can still be compromised because they could use the target card to access the account and get the account number. XXXX XXXX does not store the full account number online. XXXX in the affidavit it states that I know who took the card and that the card was back in my possession. So there was no one the account could continue to be compromised. As for the checks. XXXX has a pending complaint for me about running those checks through multiple times without my permission on XXXX. The complaint is attached in this. Without the multiple returned check fees plus the small deposits I received the account would not be overdrawn. As shown in previous complaint that Discover has yet to answer my Discover debit card was unable to be used and I had recently lost my debit card to my XXXX account. Those accounts are linked so I can transfer between the XXXX but I needed to make deposits via mobile to another account. I will admit that my transfer from Discover and then transfer from XXXX could be problematic and it was. As I try to transfer between the XXXX and Discover. Discover would reject the deposits. A print out of my credit between XXXX and today date XX/XX/2017. To show that my XXXX account had funds in it to complete the transfer had they allowed. So essentially for me. I had {$360.00} in XXXX fees plus {$160.00} in direct deposits from my employer and another {$300.00} transaction from the fraudulent target transaction that would have covered checks written. Because I did not have access to my debit card. Checks where the only way I could move money from Discover. XXXX had informed me they worked on the fraud case and that it was settled but nothing was settled which is why I called Discover and sent them the documents asking them to help in removing the NSF fees on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: For the last 2 years in a row, I tried to get my credit reports on XXXX. It asks me a few questions, I answer them correctly and it locks me out of all my reports and says I have to print out a page and mail it in. Of course if I need it quickly I can pay the {$20.00} overnight fee.

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 01-10-2016 about Credit card () with CITIBANK, N.A. (ME).
Issue: Credit card protection / Debt protection

Complaint: XX/XX/XXXX i found out that one of my XXXX XXXX. my customer had not paid for the work i had done to date and i had no written contract. i called my credit cards all XXXX different companys and asked for the use of my " credit card payment protection '' it goes by many names. i was told flat out that since i was self employed that i could not prove i lost the work. i can prove i lost the work. the end result was that i paid them thousands of dollars over many years ( like 10 years ) for this service and i only needed a few hundred dollars to keep current. they shut off my cards and collapsed my available credit. i needed that credit to keep my business going. i had to take a job working for someone else and hibernate my XXXX. three months after my first phone they called begging me to get current, XXXX companys and even suggested i use my " credit payment protection '' when i said, " i am XXXX and you guys knew that from the start, 10 years ago '' they said that maybe they could find a way for me to be allowed to use my " credit payment protection ''. i was so mad i had to hang up. when its my life and credit and business they cant help me, when i am about to go 90 days and they are going to have to " charge me off '' they find a way to use it. i never ended up using it because the paper work came to me in the mail after it was due back and furthermore it was impossible to fill out as self employed. i have tried to explain this to XXXX XXXX and XXXX. they fixed other things but not this they are in bed with the credit card companys and dont care what i say. i paid my debts current and i paid off the cards that were closed upon me. now i need help getting my credit fixed and my money i spent on credit payment protection back thank you i hope you can help. this down grade in credit has ruined my XXXX that i worked so hard for and now i cant buy a house because of how they misled me into a trap.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: The Law is the Law! Statue of Limitations law and laws for violating peoples rights are listed below. 

MGL Chapter 265 Section 37 MGL Chapter 260 Section 2. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section one or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.

Company response to consumer: Closed with explanation