milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: Today,  XXXX   XXXX ,  2017 , I spent  45 minutes on the phone with Capital One reps trying to gain access to my credit card account online. Turns out the new website REQUIRES users to provide their annual income in order to gain access to their accounts. I am not aware that users are required to disclose their income to use one of their existing cards. I have no interest in credit line increases. I would just like to use the card and pay my bill. Since Capital One wo n't give me acc ess to the account online without my disclosing my income, WHICH IS NONE OF THEIR BUSINESS, I closed the account.   XXXX  Why are credit card companies allowed to require income disclosure in order to use their product?

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I.C. System Inc. reported a debt that I do not owe, and they damaged all my credit report on all XXXX credit bureaus. 

I demanded they show me PROOF, and requested pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that their claim was disputed and validation was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX I had a payment withdrawn in the amount of {$390.00} which over drafted my account. The payment was reversed and I was charged a fee of {$36.00} by PNCBank, I was also charged by a {$25.00} fee by XXXX because of the rejected payment. In my opinion I rarely overdraft my account, however, in the few times it has happened in the past PNC has always covered the transactions. <P/>I contacted PNC on XX/XX/XXXX to ask why the payment was rejected this time when they have always covered any similar transactions in the past. I was provided inconsistent and inaccurate information by the representative. The only thing consistent about the call was that I was provided a different answer each time I asked a question. As a side note the service was absolutely horrible! The agent muffled things under her breath about me like " oh man '' and then when I asked to speak with a supervisor, she told me she would connect me with her team lead and instead disconnected the call. I have now waited a full 24 hrs expecting a follow up call, but unfortunately have not received one. <P/>The agent advised me that no policy had changed and that PNC has never covered a check overdraft on my account. She even told me that even if the overdraft was less than {$50.00} that it would have been declined. I then provided dates of similar transactions that had not been rejected and her response was basically that it just depends. She would not provide any type of direct answer as to why this payment was rejected and I have no confidence that anything she told me was accurate. <P/>The main reason for my call was to know why the payment was rejected so that I know what would happen if a similar situation arose in the future. I still have no idea as to the answer. I did also ask for the fee to be reimbursed as a courtesy which did not happen. I feel {$36.00} as basically a processing fee to decline a payment is beyond excessive. This is especially true since because the payment was rejected and I was charged an additional {$25.00} by XXXX. <P/>PNC is obviously aware when someone is experiencing financial difficulty when they are overdrawn, instead of trying to assist, they charge excessive fees that makes it even more difficult for someone in an already difficult situation. <P/>I do plan on closing my account with PNC as a result of this recent experience, however, I still wanted to make the CFPB and PNCBank aware that if the agent I spoke with is the typical agent, then the call center has no idea how an over draft works, how to look up account history and how the current policy works. Additionally, I ask that they review the call from XX/XX/XXXX as the agent I spoke with at the very least needs some coaching on professionalism and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (MS).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: Wells Fargo admits they received a refund check from XXXX XXXX XXXX. This refund was because the company found I had been overcharged over {$800.00} during the period I told Wells Fargo about questionable charges. I asked for months what happen to the check and Wells Fargo denied it was related to the overdraft. 

Wells Fargo refuses to admit any wrong doing. A customer satisfaction check was sent to me in the mail that had a letter stating I should cease communication with the bank after I demanded to speak with the attorneys representing the bank to confirm my suspicions that this entire case is a matter of massive fraud that reaches into this agency. 

I sent the information to the XXXX XXXX XXXX XXXX with a copy of the police report. This agency, CFPB, has done nothing to assist and I am continuing to make these post to prove small town America is still being choked to death by big banks. 

I am XXXX. The funds were stolen from my XXXX XXXX Account being used to manage my health. I am certain I would be in much better health if Wells Fargo had not decided to pick a fight with me. The attachments are the fake customer satisfaction check and the police report. 

I live two hours away from any Wells Fargo locations and online banking was critical for account management. I was denied access to the account soon after the fraud began as currently. As stated earlier, I got a certified letter in the mail telling me to avoid person to person contact with Wells Fargo and employees. After the bank and I tried to verify the cashier 's check all individuals who answered my calls suggested I ignore the letter and go into the bank and they would gladly cash the check for me.

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 06-09-2015 about Debt collection (I do not know) with LTD Financial Services, LP (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've never made business with LTD Financial Services and do not know what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Threaten arrest and law suit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Home foreclosed upon in XX/XX/XXXX. Settlement received for improper foreclosure in XXXX Credit report not reflecting improper foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (OH).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Originally the 1st year there were no problems in XXXX, however, when I recharged up my XXXX I had {$200.00} of credit in XXXX now they will not credit my account correctly to ever pay my account down. In XXXX XXXX I owed approximately {$270.00} per the statement if I paid all minimum amounts due which I have in 3 years it would be paid off. I have paid all minimum amounts due every month and on time all months since then except 2 months so only for 2 months should I have had late fees and other fees. All other months were paid 1-4 days early and no matter if I paid in the store, by mail or online directly to XXXX XXXX even if they promise to charge no more late fees still they do. So today my account is over {$820.00} on many occasions I have complained to them still they will not credit my account properly without adding all kinds of late fees and other fees. 
Then in XXXX they sent me a special notice my credit was available for {$350.00} and t go shopping for XXXX. I had not charged anything all last year. So I paid my friend to drive me & spent over an hour made sure when entering the store I had {$350.00} credit they said yes. Then they denied me since I could not find my card so I found my card they had made me put back all items so I spent another 1 hour finding my items again and then they denied me again saying my balance on my card was too high ( of course because they did not credit me properly and added on too many late fees when my payment was not late and too many other fees. Now they took my credit score from XXXX to XXXX last I checked. I am very upset over this. Can you please help me? Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On the equifax credit report as addresses listed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, I have never lived there so I 'm wondering if someone is stealing my identity for their personal gain. Please let me know what I can do to help facilitate in resolving that issue. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: I am filing a complaint with Ally Financial ( Attn. XXXX, XXXX, Ext. XXXX ) and their attempt to contact me about our car loan. The loan is under mine and my wife 's name. The law says they are only to call her or I concerning the loan. Multiple times ( also multiple times in a single day ), they have called my parents in XXXX and my brother in XXXX asking for me and my wife. I have never given out their numbers, which means they are doing searches on my families contact information. This is a form of harassment and it invades my families privacy. On top of that, their customer service is terrible. They interrupt and do n't know the answers to questions about my loan. Please put a stop to their mass calling and going after my family who has zero involvement with this loan. Thank you

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 07/16/2015 about Debt collection (I do not know) with Focus Holding Company (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Rewards

Complaint: I had opened Spark Business Credit Card by Capital One Bank on XXXX/XXXX/16 and had limit of $ XXXX due to excellent credit and done transactions total of {$120000.00} on this credit card. The problem was that our business checking a/c at XXXX XXXX XXXX had ACH Filter to stop ACH transactions which are not part of " allow '' list to stop fraudulent transactions. 

Hence, the payments we initiated through web portal of Capital One got denied to our checking a/c due to ACH Filter. In order for XXXX XXXX XXXX Bank to add ACH Originators to " allow list '', they needed originator 's ACH Company ID number. I contacted the customer service of Capital One to get their ACH Company ID number but they were not aware of what this was and why it was required. Due to difficulty we encountered with Capital One, we decide to initiated the payment to our checking a/c held at XXXX XXXX and hopefully we shall finally get that ID from XXXX XXXX when XXXX XXXX rejects that ACH. The payments we initiated through web portal of Capital One got denied to the business checking a/c due to ACH Filter that account. 

Few days later due to unsuccessful attempts to get Capital One 's ACH Company ID, we decided to use our money market a/c with XXXX XXXX that had no ACH Filter and all payments were cleared successfully at every attempt to this money market a/c with XXXX XXXX. 

Also customer service of Capital One did conference call with XXXX XXXX XXXX three times to verify the funds and validity of account. 

Last week on XXXX/XXXX/16, Capital One bank decided to close the account stating fraud fraud suspension and saying the accumulated cash rewards {$2300.00} automatically get forfeited. 100 % of the outstanding amounts was paid in full before due date. 

Capital One bank is not fair by denying to pay us the accumulated cash rewards of {$2300.00} despite they charged merchant fees to vendor whom i purchased the goods from. 

If Capital bank is not willing to reinstall/active my credit card, then in all fairness they should : a. Mail me check of {$2300.00} cash rewards as they earned full fees from the merchants that i purchased goods/services and they got paid by me in full before all the due dates.. b. Ensure that my credit rating is not affected in any manner I must have talked to Capital for 4-5 hours on 7-9 calls ( including XXXX supervisors ) since we encounterd the 1st problem. Also was surprised to come to know during one of the conversation with their supervisor that the XXXX conference calls which we did with XXXX XXXX to verify funds were not on record with Capital One despite they ( Capital One ) made immediate credit available!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Making/receiving payments, sending money

Complaint: I submitted Case number : XXXX but it was not sent to Citibank but rather to XXXX for resolution. Since the Patriot Act, banks are required to obtain ID before opening an account so I want to know how was a CRIMINAL allow to open an account and receive wire transfers. Also how did Citibank allow their database to be hacked and all correct information on a credit card was stolen and used to pay for my services. And now I am told I have to write-off all my expensesI wire transferred {$3200.00} to what I thought was a legitimate customer of Citibank who turned out to be a scam. The following information is all documented via emails. 
On XXXX/XXXX/2014 we received a request for quote via email from XXXX XXXX from XXXX and Sons to print XXXX flyers. 
On XXXX/XXXX/2014 we received an email with the information on the Mastercard we used to pay for the XXXX and Printing of the material of {$5800.00}. On XXXX/XXXX/2014 the funds from the credit card were deposited into our bank account and that is when we started the printing the material On XXXX/XXXX/2014 he asked us via email for the status of the printing job and asked us to contact the XXXX XXXX to schedule the pick-up by the XXXX XXXX. On this date, he also called the shop to talk about the status. We schedule pick up of the XXXX XXXX at our shop on XXXX/XXXX/2014 and paid the XXXX company the {$3200.00} they requested for the shipment. I was provided a routing number and account number and name. 
On XXXX/XXXX/2014, in reconciling our bank account we noticed that the {$5800.00} was chargeback to our bank account and hence the reason I am writing this information. In the meantime, the XXXX XXXX flyers have been printed and we are waiting for the XXXX Company to pick them up

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Mortgage (Conventional fixed mortgage) with FIRST NIAGARA FINANCIAL GROUP, INC. (PA).
Issue: Settlement process and costs

Complaint: I closed on a house on XXXX/XXXX/16. Three months after closing, I received a bill from the homeowners association with an itemized fee referred to as " capitalization '' in the amount of {$600.00}. After speaking with representatives with the HOA management company, they advised me this fee should have been paid/taken care of at closing. Since this is a closing cost that was not handled, or disclosed to me I do not feel I should be responsible for the fee as I felt closing costs were already high compared to other lenders and I would have likely borrowed elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I was provided PMI cancellation documentation with my mortgage and on monthly statements, which Wells Fargo did not want to honor. Wells Fargo then stated via a letter and multiple levels of customer service that they would require a 70 % loan to value which could only be established via appraisal. Wells sent a form to determine the appraised value, which had an inflated appraisal cost of {$850.00} versus home purchase appraisal cost of {$660.00}, which suggests that Wells is receiving some sort of alternate consideration from the appraisal company - XXXX or they are intentionally misleading their clients during the closing process. Wells 's most senior customer service, refused to match the pricing of a qualified appraiser or charge the same appraisal cost as was initially charged for the purchase of the home. 

Wells has now agreed to honor the disclosure on my monthly statement and at closing, only after referral to the presidents office and my provision of the statement from closing. However, Wells is still requiring an appraisal for a home purchased 18 months ago when the documentation provided at closing suggests that an appraisal is required only sometimes, the implication of the disclosure is to protect Wells Fargo during a falling real estate market and not just to improve Wells Fargo 's profits. The cost of the appraisal equals about XXXX years of PMI. 

This process has taken months to resolve and suggests that all Multi-Family homes ( XXXX unit dwellings ) are being incorrectly processed in Wells Fargo 's systems in regards to PMI and that Wells has a systematic program to intentionally over charge customers requesting relief from PMI to inflate profits through additional PMI or consideration from 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 12-01-2015 about Prepaid card (General purpose card) with Google Compare Credit Cards Inc. (NV).
Issue: Managing, opening, or closing account

Complaint: Google Wallet closed my account down because of some terms and conditions I abused that I am not aware of. Because of this, I am unable to pay for my storage. If I do n't pay for my storage, I will not longer be able to send or receive emails which is very important. I send and receive emails from the government, the CFPB ( you ), my attorney, court, doctors, family, work, and business. Unfortunately, this is the only way for me to pay for my storage. My email also has important legal documents. I have had this email since 2007. I ca n't even contact the appropriate dept. to discuss this nor can I contact them from my account. They redirect me to the same website. They are also requesting for documentation that I am willing to provide but their website wo n't allow me to do it because of the error and redirection.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (IN).
Issue: Taking out the loan or lease

Complaint: CHASE WENT ON MY CREDIT REPORTS WITHOUT WRITTEN AUTHORIZATION 3 TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and me are senior citizens, ages XXXX and XXXX respectfully. We bought our apartment in XX/XX/XXXX with financing from PNC mortgage. Within 90 days of the closing the bank sold the mortgage to XXXX. Since then they have harassed us by calling our house 2 t0 3 times daily Monday through Saturday and stating that our mortgage payments were late even when they processed our payments. In addition, they were charging late fees in error. They also raised our mortgage payments twice the first year without any increase in expenses ( e.g. insurance and taxes ). Our new payment coupon was to have been received before the beginning of XX/XX/XXXX and to start in XX/XX/XXXX. Said coupon has yet to be received. We have sent a letter to the PNC Mortgage executive and waiting to hear from them while we continue to making sure our mortgage payments is timely. 
We would like this information published

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Trouble during payment process

Complaint: I got a mortgage from XXXX XXXX XXXX on XX/XX/2017 and paid at closing {$1000.00} in interest for XX/XX/2017 through XX/XX/2017. Four days later, on XX/XX/2017 XXXX XXXX XXXX transferred/sold the loan to Wells Fargo ( loan # XXXX ) along with the interest of {$820.00} for XX/XX/2017 through XX/XX/2017. Wells Fargo refuses to acknowledge that this amount XXXX {$820.00} XXXX was received and, accordingly, this amount is not included in the interest amount that is reported on the tax form XXXX. Wells Fargo 's claim of not acknowledging receiving interest is preposterous. I highly doubt that when Wells Fargo loans money it would let anybody else keep the accrued interest, even for a day. I'm attaching my communication with the mortgage originator XXXX XXXX XXXX that clarifies the situation. Another aspect of the problem is since loan processing is highly automated I suspect that I am not the only customer who had his mortgage transferred to Wells Fargo mid month and had the interest reported incorrectly on the XXXX tax form. There should be plenty of customers like me whose XXXX will need to be corrected.

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