milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2016 about Bank account or service (Checking account) with PNC Bank N.A. (MI).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX I went to the grocery store, pulled out my phone bank app, checked my balance and bought groceries for XXXX It showed I still had XXXX left. 
Next day I got an overdraft fee and the bank said it covered the transaction even when I do n't authorize them to cover transactions for me in my settings. 
I transferred funds to cover the overdraft over the weekend. 
They put a {$35.00} fee and bounced another transaction for me. 
They absolutely refuse to refund the fee and are holding my account hostage in the negative. They are going to start raping it this week. Then they 're going to send me to collections and ruin my credit. The overdraft in my account is exactly the amount of their fee. I 've covered all my overdrafts and paid all my vendors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Greetings, I have initiated a multiple disputes with Equifax over the past few months to remove unauthorized Inquiries they have failed to fully validated that I initiated. It has been well over the 30 days given for Equifax to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Equifax including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized Inquiries belongs to me aswell. Below are the reporting Inquiries that should be Removed / Deleted from my Equifax credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX/XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX Equifax Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX, GA XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Debt collection (I do not know) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The company , GM Financial, continues to call my phone number looking for someone unknown to me, who is not at this address and this is not the correct phone number for this person. The company has called my home phone for at least two years, at least a couple of times a month, and I have repeatedly ask them  to take my number off their list, that it is not a correct number. They say they will remove the number and next month they call back.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Problems caused by my funds being low

Complaint: WELLS FARGO committed so many acts of treason and regulation violations stacked on top of each other XXXX after another after another it was like a machine XXXX was aimed at my head and it was consumer assault all the way. The fees of their mistakes and misgivings have cost me countless amounts of terror nights, waking up next morning to see that they took out a XXXX dollars and I realized once I was idenitity theft years prior and they knew it they were having fun taking advantage of my issues and kept piling on to my hurt. Scary, obscene and often consumer XXXX like.

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 11-04-2015 about Credit reporting () with Experian Information Solutions Inc. (HI).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I called the XXXX XXXX Bank and I told them someone open fraud account under my name. I also told them that I have fraud alert on my name company called me. The presonnal that I was speaking to told me that they do n't call. I think that was their fault and i think should be deleted completed. ( that is not me ) Also i have others inquiries under my nameXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XXXX   XXXX   - I requested my free annual credit reports from all three credit agencies  (   XXXX   XXXX ,  XXXX , Experian  ) .  XXXX   XXXX  and  XXXX  sent me their reports - no problem. Experian refused to send my report, claiming that I had received an Experian report within the last 12 months. This is wrong ; I last received an Experian report in   XXXX   XXXX    .     I tried to contact Experian, but all their phone numbers that I could find go to automated answering machines that only expected me to request a credit report. I sent an e-mail to them, but they sent a message saying they could not respond to individual requests.     How can I get them to pay attention and clear up this problem?     Thanks,  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 02/22/2016 about Debt collection (Payday loan) with First Recovery Solutions, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep receiving calls from a debt collector saying i took out a payday loan and that i need to pay the debt back. I have taken out a pay day loan before but i contacted that company directly and they has no issues with my account and they told me that the calls i 've been receiving are scammers trying to get money from me. The supposed debt collector will not provide me with any information on the debt they are trying to collect. As soon as i start to ask questions they hang up on me or threaten me with a law suit.

Company response to consumer: Untimely response
Consumer complaint received 09/16/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX 1994 I opened an IRA with Wachovia Bank ( for my retirement ) .I let the money sit and was going to add more monies to the account. However when I reached retirement age of XXXX went to withdraw y monies. By this time Wachovia had become Wells Fargo. So I approached the Wells Fargo Branch ( on Main St. ) in XXXX XXXX and was told my money was sent to unclaimed property. I contacted them and they said them I needed a date or at lest the year so that could look it up. I then went back to that Branch a few days later and was abruptly told not to come back to the Branch because they ca n't help me! So I went to the XXXX, Ga. Branch and spoke to a Personal Banker XXXX XXXX XXXX. She looked up my information and said '' Oh this happened before I came to this country so I ca n't help you '' .Now I 'm really confused as to what 's going on? When I came home I looked at my paper work again and realized that the person that had opened my account changed the numbers on my form. But was unable to change it on my benefit form. I later spoke with several organizations, and sent many letters ( see attached ). I was told that because I did n't withdraw my money within 5 years they no longer have records ( I find that hard to believe ). As I was told by a Wells Fargo correspondence specialist t hat because I did n't take it out does not give them the right to steal my money, after all IRA stands for Individual Retirement Account .I do n't understand why no one wants to acknowledge their error. I remember receiving a letter stating that maybe the money was transferred to another institution or the account was closed. That 's not and acceptable answer, since I did n't authorize for it to be removed nor did I close the account. Even worst if they 're a respectable organization why did n't they contact me of the change instead of just sweeping it under the rug?

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 10/16/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My account was erroneously overdrawn due to a fraudulent charge. Because of that, a {$35.00} overdraft fee was assessed against my account. This started a chain reaction of several overdrafts due to automatic payments, which were paid by the bank including a {$35.00} overdraft fee. In addition, the bank assessed a {$35.00} overdraft fee every time my card was used, even if they did n't approve the transaction. This caused several hundreds of dollars of overdraft fees. 

I called Bank of America and spoke to a customer service representative, as well as their fraud department, and they said they would remove the erroneous, fraudulent charge and refund the {$35.00} overdraft fee, but every successive {$35.00} overdraft fee for charges they did n't pay would not be refunded, even though they did n't process the payments. I urged them to remove the charges, but they said this is standard in their checking accounts, and they refused to help me. I then decided to file this complaint.

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am having a problem with Equifax removing a collections account from XXXX XXXX XXXX. It was removed from XXXX over 6 months ago but Equifax refuses to remove it after multiple dispute submissions. The creditor is XXXX XXXX who also said they would not hold me responsible for the account when it was made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After looking at my credit report as i am trying to purchase  my 1st hom e i noticed This collection account w ith Trident Asset  management, I called them and sent a certified letter for them to validate it and I never received the proper validation. I sent in disputes with all  XXXX  CA and they came back verified but I never received verifiable proof of this negative event.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: As of XXXX our mortgage company ( Nationstar Mortgage ) increased our monthly payment by {$130.00} citing an increase in flood insurance ( mandatory for our address ) and also our taxes increased. I was not aware of the increase, so I continued paying the normal {$2500.00} mortgage payment each month. We have over {$3000.00} in our escrow account, and I asked why it was n't taken out of that account, rather we got late fees and my husbands credit was docked two months in a row. They talked in circles and eventually said 'We can only reverse bad credit marks if Nationstar was at fault '. I 've since paid the $ XXXX we were behind and now we 're up to date. Though they 're reporting to credit bureas that we were behind 30+ days each month.

Company response to consumer: Closed
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Effective XXXX XXXX 2017 It is to my understanding that my credit report will require any public record such as a lawsuit, judgement, tax lien and real property lien submitted for reporting on a consumers credit report, to include the consumer 's name, address and either their social security number or date of birth. If any of this information is missing on a reported public record, it will no longer be reported on a consumer 's credit report. I would like to have 3 bankruptcies and 1 tax lien investigated immediately and removed from my report.
Thanks in Advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NV).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Unfortunately what I have noticed is CFPB is VERY similiar to the reporting agencies in their methods of " limited options '' when attempting to remedy problem. Basically, giving the consumer options that generally DO NOT FIT many of the problems they are encountering ... ... what a tactic. Anyways ... ... received a document from Synchrony Bank regarding an account ( will submit document w/info. ). First ... ..this document is USELESS!!!! They wrote on their own document this phantom account was a " charge off in XX/XX/XXXX'' ... ..so ... ..how do they propose to investigate on an account THEY DOCUMENTED THEY CHARGED OFF in XX/XX/XXXX?????? THEY THEN DOCUMENTED THEY WERE PAID ... ... THIS YEAR ( NOT FROM ME, yet they continue to claim I did ) ... ..BUT YET CAN NOT SHOW DOCUMENTATION FOR IT???? NOW they have the nerve to send me a document to " investigate '' ... ..A MAKE BELIEVE CHARGE onXX/XX/XXXX for {$12.00}!!!!!!!! WOW ... ... SYNCHRONY BANK HAS JUST COMMITTED FRAUD!!!!!!! ... ... .they just sent a document on an account that does not exist ( they have no documents if anyone actually owned this alleged account even when I have demanded to have them sent to me ) ... ..and based on their letter to me, was a " charge off ''. So how is a " charge off '' from XX/XX/XXXX ( their own document states this ) magically reopened and used on XX/XX/XXXX. ONLY SYNCHRONY BANK CAN PERFORM THAT SCAM DIRECTLY!!!!!!! Under merchant ... it says " FRAUD SALE '' ... .WHAT????? This is sick!!!!!!!! Synchrony bank has committed fraud ... ..I never opened an account ... ..Who at Synchrony BAnk is telling their workers to open up accounts without consent???? Is this how Synchrony Bank obtained all their business ... ... opening up phantom accounts?????

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 03-09-2017 about Student loan (Federal student loan servicing) with Brelvis Consulting, LLC (AK).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I contacted The Student Loan Help Center in hopes of having my student loans forgiven since I am an XXXX service member.They appeared very interconnected with the U.S. Department of Education and informed me that there was a high chance for my loans to be completely forgiven. They informed me that they could help me by consolidating my defaulted loans for me in exchange for a payment of {$900.00}. Although I gave them my personal information such as my SSN, address and debit card number, I feel my sensitive information was mishandled. I am now aware this third party does not need to be involved in the consolidation of my federal loans. I am also currently having those payments refunded to me through my bank and there is a pending investigation for fraud. I wish to inform the community of this organization so that XXXX soldiers will be aware of this scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (VA).
Issue: Fraud or scam

Complaint: Coinbase I opened an account with Coinbase in the fall of XX/XX/XXXX. In XX/XX/XXXX, Coinbase initiated 2FA for account access, but I was not advised in time and I lost access to the account. I opened a second account and asked them to transfer any residual funds to the second account, which never happened. 

In XX/XX/XXXX I was informed by Coinbase that my account was being terminated without explanation or cause. There was a small residual amount of funds left in that account as well. 

However, the value of bitcoin has risen far higher since that time. What was worth less than {$10.00} is now worth several hundred dollars. I have contacted Coinbase twice about getting the funds returned to me, and their was response was " We have no record of you ''. 

This is nonsense. Under XXXX rules, I was required to submit an enormous amount of information about myself, including email address, physical address, social security number, bank account information, a scan of my drivers license, and more. 

Coinbase should be able to easily identify me and my accounts, and return any funds left in them. To claim that they have no ability to identify me or locate my account records can only be viewed as fraudulent. 

I have no paper records to provide, because getting the information, such as account numbers etc. would require accessing the accounts, which Coinbase has locked me out of. No bank can legally operate in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Applied for a mortgage from Wells Fargo in XXXX of XXXX on a new construction home. Did not end up building that home, but provided Wells Fargo with a rate lock payment of {$920.00}. Put that payment towards a rate lock for another home, but on XXXX XXXX Wells Fargo - XXXX XXXX informed me that we were denied. I was also told via email that I would receive a complete refund and that it typically takes 30 days for a refund. On XXXX XXXX and XXXX XXXX, XXXX was told via email that refund was still be processed. On XXXX XXXX, I was contacted by XXXX XXXX from Wells Fargo customer service and was told that he would get back to me on XXXX XXXX. I then received another email on XXXX XXXX that I would be contacted on XXXX XXXX. On XXXX XXXX, XXXX, I emailed both XXXX and XXXX explaining that this is unacceptable and that I expected my refund by XXXX XXXX. XXXX XXXX responded that Wells Fargo would contact me on XXXX XXXX. I responded back that this was unacceptable and that I was notifying the CFPB with this situation.

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 01/27/2017 about Credit card () with CITIBANK, N.A. (PR).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This person, XXXX XXXX XXXX, is using my address to apply for XXXX XXXX Credit Card and Costco Anywhere Visa Card by City. It 's the fourth time that is happening.

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 12/15/2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: Regional Acceptance has been contacted my cell phone 4-5 times a day via auto dial & wo n't leave messages. Additionally, on XXXX/XXXX/15 they did call me and leave a voicemail at XXXX XXXX PST - which is a clear violation of the FDCPA to contact me prior to XXXX XXXX PST as I reside in California.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Unauthorized, to best of belief and knowledge, with no real reason ( s ), Chase Bank on XXXX XXXX in XXXX, CA performed account balance Inquiries from XXXX or vice versa, which cost the customer money, causing domino spinoff effects from service charge fees. ( Ex. 
if there are scheduled online bill payments, that neither bank may know about, as this is not evident in the balance inquiry, what may be processing, the affixing of fees for the inquiries can start a fee progression. The balance inquiry is without consent, without knowledge, costing a service charge for each inquiry. It can then domino into {$35.00} service fees as the inquiry fees cause account to dip. 

FEDERAL COMPLIANCE : This may be a federal regulation violation, bank policy violation, privacy violation, account security violation. Breach of privacy and confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I tired too open a checking account with another bank.

Company response to consumer: Closed with explanation