milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2016 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Account opening, closing, or management

Complaint: I had a checking account with US Bank that I requested to be closed in XXXX. It was never done and they continued to charge me fees. Then they forced the account closed in XXXX with an outstanding balance for XXXX. I have been making payments to the collection agency on that balance since as I was unable to get US Bank to waive any of those fees. There is a payment plan in place. The account is closed and I 'm paying fees for them forcing the account closed. Then in XXXX there was a refund issued to that closed account of XXXX ( not sure where the refund came from ), US Bank then reopened my account for the XXXX and sent me a deposit statement. Then US Bank charged me XXXX for that paper statement, making the account negative. SO they reopened the account that was closed and charged me to close the account in the first place, XXXX in fees, which I have been paying. Then charged me XXXX to send me a paper statement, on a closed account that I 'm paying the collection agency for. I have written them several letters regarding this and they continue to send me a statement each month showing a negative balance. I closed this account, they never closed on their end and say they do n't see my request. Then charged NSF fees, monthly service fees and eventually closed the account, charging fees for that too. When I finally received the letter that the account was closed back in XXXX 2016 ( 5 months after I asked them to close the account ) they said I owed XXXX in fees. I set up a payment arrangement with the collection agency and have been paying. I wrote them many times over several months disputing the charges and the account balance, to no avail. So now months later they took it upon themselves to reopen this account and again start charging me 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 monetary relief
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: My new employer information is not on my credit file it only has my previous employer information.

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 03/23/2015 about Money transfers (Domestic (US) money transfer) with ALLY FINANCIAL INC. (WI).
Issue: Other service issues

Complaint: Ally Bank did not follow their published commitment of processing a domestic wire transfer request received by XXXX XXXX that same business day. Instead it took 3 business days and multiple phone calls to Ally Bank in order to process the request. 
To compound the issue, Ally Bank never proactively contacted me that there was an issue, it was only through repeated calling that I found out things were blocked waiting on some new verification action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I am filing a case against XXXX. They are a debt collector that I have had been having several problems with. They are currently reporting to the credit bureau that I owe them a balance. Every few months, they errenously report a change in the balance ( usually by {$1.00} or more ) which also negatively shows on my report. 

I have also written them several letters asking them to verify the debt ( which they have failed to respond to ). 

Companies have 30 days in which to verify the debt ( which they ignored ). They have also failed to report it accurately ( the amount changes and the fact that the initial debt isnt mine ). 

They have 2 accounts, form XXXX funding and they need to cease collections and clear the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ON XX/XX/XXXX, A COLLECTION WAS PLACED ON MY ACCOUNT WITH XXXX FROM CONVERGENT INC, FROM A XXXX BILL THAT DOESNT BELONG TO ME I CONTACTED CONVERGENT INC, AND THEY AGREED TO HAVE THIS ACCOUNT CLOSED AND REMOVED FROM ANY AGENCIES, I CALLED XXXX TO LET ME KNOW THAT THIS ACCOUNT NEED TO BE REMOVED, FROM MY REPORT, ITS LISTED UNDER MY MIDDLE NAME 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 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with STERLING INFOSYSTEMS INC (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My case for X/X/2010 should not even be on my record at all anymore for anybody to see. I was told in court that it would be gone and nobody would be able to see it anymore and XXXX XXXX was also pulled up on my background check and should not even be on there. This is causing me not to be able to get my job and it should n't be on there.

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 09/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (IA).
Issue: Loan servicing, payments, escrow account

Complaint: Greentree Servicing, no Ditech, charges me {$12.00} to make XXXX payment online. It seems to me this has to be against mortgage laws to charge a customer {$140.00} per year to make payments on their online website. They are taking advantage of their customers. 

When I originally obtained my loan it was though XXXX, then XXXX XXXX XXXX. At no time did they charge me a fee to make my payment online. I have no choice who buys my mortgage, so how can they force unreasoble terms on how to make a payment? It is really cheaper for them to hire someone to open maile and accept my check?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit determination

Complaint: I noticed recently that on my credit report there is a potential negative information posted on XX/XX/2017 I have a Bank Of America Master Card with {$31000.00} credit limit. My balance on card was reported {$31000.00} which is true but it exceeded due to the Interest/Service fees charged by Bank of America As we know credit card company never authorize any charge over credit limit.

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 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have two student loans account that are on transunion and XXXX due to Fraud! They were listed on XXXX  but were removed XXXX XXXX 2017 with police reports and ftc affidavits. XXXX forwarded the information to both transunion and XXXX which they have to do because its a identity theft/ Fraud situation. Transunion refuses to delete the accounts as well as XXXX. Transunion I 've called 4 different times and they told me they can'T remove items that are fraudulent even if the other bureau proved it was fraud This seems so wrong and a violation

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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: On XX/XX/XXXX, I sent a certified letter to Experian to dispute incorrect information on my credit reported. After the first 30 days, I received an updated credit report that stated the account was investigated, however there were not any changes. Then after receiving no official documents to verify the debt listed, I sent a second certified letter on XXXX XXXX, 2017. On XX/XX/XXXX, I received an updated credit report stating the debts will not be reinvestigated. This company is breaking the law by not providing the information being requested. They didnot provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA as they are required too. I have attached confirmation of receipt of letters.

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 03/16/2017 about Consumer Loan (Title loan) with Select Management Resources, LLC (TX).
Issue: Can't contact lender

Complaint: I completed and paid off my loan in XXXX XXXX and have not received my title back now being XXXX XXXX. I contacted the company and they do not take responsibility for the issue and blame the issue on a particular employee that took my payment and are extremely unprofessional when I attempt to speak with someone about a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Credit card protection / Debt protection

Complaint: I opened a Care Credit account for my XXXX with Synchrony Bank a year ago with 0 % for a year. 
Last week when I was going to pay off the balance, noticed a charged of {$80.00} on the statement, I questioned it and found out it is protection or insurance plan, which was monthly added to my account. 
I never requested and authorized such a insurance and without my permission added to my card. I was charged {$1100.00} for past year of the insurance protection, which are going to pay me back. But this kind of none sense have to stop, I found out by accident about it and XXXX know how many people are being subjected to this kind of fraud and are unaware of it.

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 04-08-2016 about Credit reporting () with ID Analytics, Inc. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: It is a credit reporting agency I never heared of ( Sage ) XXXX.XXXX Sage reporting to companies, but when calling them up to get a copy of the report, no one answers the phone, instead I got a recording message.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Late fee

Complaint: I set up a bill payment on XXXX XXXX that my bank did n't send out and I caught the error on XXXX XXXX, then promptly called to make the payment and waive the late fee because of a bank error, before any late fees had been assessed. I made a payment XXXX XXXX of my normal monthly amount of {$25.00}. I got XXXX calls, XXXX at XXXX, XXXX at XXXX and again at XXXX from them on XXXX XXXX. They had apparently applied the late fee to refund to the account balance rather than to the amount due, and they told me I now owed them {$65.00} by XXXX XXXX. They ( now speaking with a manager ) said that they wo n't refund the XXXX late fee until that amount is paid in full, and that they will apply it to the account balance. They said that I was n't being punished for the bank error on the phone, but this is just the way they operate. She also insinuated that I was in the wrong in asking her to fix my monthly amount due rather than applying it to the account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WI).
Issue: Other transaction problem

Complaint: I initiated a request to move all of my Ethereum from my vault to my wallet with the intention of selling on XX/XX/XXXX. At the time, the value of my investment was almost {$10000.00}. Coinbases delay has caused me significant losses ( approximately 40 % ). I never received a secondary confirmation e-mail from Coinbase, so Ive been unable to finalize the withdrawal.

I called Coinbase on XX/XX/XXXX to have a ticket opened on the issue, and was told it had been escalated to the highest level possible, and that details were included. The representative did not add any level of detail, even though they said they could see the issue was coming from a glitch within Coinbase. I then went in on XX/XX/XXXX to add the additional detail so the issue could be resolved. 
On XX/XX/XXXX, I still hadnt heard back, so I called again. This time, the representative stated that due to a backlog, it would likely be several weeks before I heard anything back from the company, and additional time to resolution. I find this completely unacceptable every day Im unable to withdraw, I am losing money. This has caused me a great deal of personal and financial stress to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Checking or savings account (Other banking product or service) with VANGUARD FUNDING LLC (PA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I have a Roth IRA with Vanguard in which I have stocks and mutual funds. On XX/XX/XXXXI logged into my account and saw that all of my shares of stocks had been transferred without my knowledge or authorization. I immediately called Vanguard onXX/XX/XXXX and was told that the stocks where transferred to another account. I explained that I had not authorized this, I did not own an account with the firm the money had been transferred, and was very concerned as to how this occurred and how I would recover my investments. The phone call lasted approximately one hour, and I was told that Vanguard had received the request from another financial institution, who had put down the wrong account number, and the stocks where transferred in error. The Vanguard representative stated they were in the process of recovering the shares of the stock. I logged into my account onXX/XX/XXXXand saw the whole shares have been transferred back to my Roth IRA account ; however, partial shares where transferred out onXX/XX/XXXX without my authorization and vanguard has not reclaimed those funds. Additionally, {$140.00} was transferred out without my authorization onXX/XX/XXXX and Vanguard has not recovered that money. I called Vanguard onXX/XX/XXXX, and after being on the phone for over 45 minutes, I was told that a Supervisor or someone would contact me and explain how these issues would be resolved. I have yet to hear from anyone from Vanguard explaining to me how my funds/stocks where transferred without my authorization, how my partial funds would be recovered, and how the {$140.00} would be recovered.

Company response to consumer: Untimely response
Consumer complaint received 01/30/2018 about Debt collection (I do not know) with CITIBANK, N.A. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX or XXXX which ever name they are using currently has been told to stop calling cell phone number. They have been told verbally and in writing to not contact me they have no permission as does nobody or no company they represent may contact me all past present and future contact permission has been is and continues to be revoked.XXXX continues to call using both manual and Robo calls from multiple spoofed phone numbers.

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 01/16/2016 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Please be advised this our FOURTH time we are trying to seek justice in this matter. On three separate occasions, we requested to have a release and withdrawn lien removed from our Equifax credit report per the Internal Revenue Service release and withdrawal. The documentation from the IRS stating that the lien has been released and withdrawn is attached. In each instance, Equifax has provided confusing and insufficient explanations as to why you it chooses to continue listing a withdrawn lien on our credit report. XXXX and XXXX have removed the lien based upon the IRS documentation. As further evidence supporting our position, please see the attached email documentation from XXXX XXXX XXXX a Tax Specialist with the XXXX Office of the Chief Financial Officer of Taxation and Revenue indicating that there is " no indication of a lien filed in the XXXX '' on me and/or my wife XXXX XXXX. 
Based upon the documents, we have Equifax through a formal dispute to respond to the the following questions : 1 ) Please provide to us the Equifax policy regarding removal of withdrawn liens from credit reports. 
2 ) Please advise whether your failure to remove an IRS withdrawn lien from a credit report is Exquifax policy. 
3 ) Please advise whether the above Equifax policy is consistent with Fair Credit Reporting Act, as the other XXXX agencies have subsequently removed the lien. 
4 ) Please explain how your policy specifically has a bearing on our credit worthiness. As the Internal Revenue Service saw fit to remove, we believe your failure to follow suit constitutes an unfair business practice and is harmful to consumers. 
XXXX XXXX XXXX, XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: CCS Companies never notified of my right to dispute the validity of the debt. 

They reported to XXXX that my account was opened with them on XXXX/XXXX/2016. 

The first notice I ever got from their company was on XXXX/XXXX/2016 and the notice was dated XXXX/XXXX/2016. 

On XXXX/XXXX/2016, XXXX was reporting a collection on my credit report, I was shocked as I knew I did n't have any ... It was for Credit Collection Services, original creditor, XXXX. 

I filed a dispute with XXXX but it came back as " verified '' by CCS. 

I have previously called and disputed the debt with CCS and was told I have to pay. 

I called the original creditor on XXXX/XXXX/2016, it was discovered an error was made and the account was pulled from CCS. The original creditor informed me that the account would be removed from XXXX within XXXX10 business days. 

Additionally, I was unable to find their corporation registered with MA but will file a complaint with the MA XXXX about this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Rewards

Complaint: I applied for a TD Bank Credit Card after receiving a promotion through mail from TD Bank that offered {$200.00} cash back on opening a TD bank credit card account and spending {$500.00} in 90 days. 
I did that and followed up with the TD Bank customer care number few weeks later when the amount was not transferred. They provided me a fax number ( XXXX ) and asked me to send a scanned copy of the promotional offer and assured me that the amount will be transferred in 5-8 business days. I asked for a complaint or reference number so that I can follow up, but I was told that it is not required. I did the needful, but still did not receive any cash back. I called customer care a second time and was advised this time to go to the bank and get my issue resolved. I visited the XXXX, NY branch of TD bank on Wednesday, XXXX/XXXX/2016 and spoke with a representative there. The representative called customer care, faxed the scanned copy of the promotional offer to the same number again and assured me that I will receive my cash back in 5-8 business days. 
When I still did not receive any cash back I sent an email on XXXX/XXXX/2016 to the same TD Bank Branch representative who I spoke to earlier and requested him to look into the issue. The bank representative did not even care to reply to the XXXX emails I sent him to respond. 
I have exhausted all avenues of reaching out to the bank and hence filing this complaint with CFPB for resolution to this issue. Thank you for your services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: TD Bank - I made a deposit in the amount of XXXX on XXXX/XXXX/15 - my account balance, prior to the deposit was {$1300.00}. According to my previous conversations with customer service reps, deposits are credited to the account before debits are made. On XXXX/XXXX/15, XXXX checks were debited from the account in the amount of {$1800.00} and {$500.00}, I had a bill payment in the amount of {$360.00}, and various debit charges totaling {$180.00}. According to my account view, at the time of the withdrawals from my account, the account balance was {$3100.00}. However, I was still charged {$170.00} in overdraft fees. Upon calling to complain, I was told that only {$100.00} from my deposit was actually made available on XXXX/XXXX/15, therefore the funds were not actually available in the account to cover the amounts in the checks posted on XXXX/XXXX/15 thus overdrawing my account for the {$57.00} I spent over the weekend on my debit card. {$170.00}, for {$57.00} spent, when the deposit for {$1800.00} was made into the account. If you look at my bank account, there is no negative balance - because the full deposit shows despite the claim that the full amount was not actually credited to my account. I am sick of the criminal nature of the reordering of funds and the blatant disregard of the customers of TD Bank.

Company response to consumer: Closed with monetary relief