milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Problems caused by my funds being low

Complaint: On Friday XX/XX/2017 XXXX charged my debit card for {$11.00}. Wells Fargo bank accepted the charge when I only had {$2.00}, I opt out of paying charges when funds are not available. I checked my account this morning and I was charged an NSF fee of {$35.00}. When Wells Fargo Bank allowed the charged to go through with limited funds to cover the charge. I spoke with an rep from WFB explain to the rep that I opt out of all charges being covered while the finds are not available. She stated nothing could be done.

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 04/22/2016 about Debt collection (Credit card) with Esser, James & Associates (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Esser James and Associates, LLC is attempting to collect a credit card debt. This company has my current address and phone number. Despite having this information, they are contacting my mother, sister, and uncle and leaving messages " that I have pending legal matter '' and need my attorney to call them right away to resolve the complaint. 
When I contacted the collection agency, I was told by an agent and a supervisor that they had every right to call third parties. There are NUMEROUS complaints on the web about this company calling and leaving messages about " pending legal matters '' with family and friends. Esser James and Associates must be held accountable for violations of the FDCPA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Student loan (Private student loan) with WELLS FARGO & COMPANY (ME).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: on XX/XX/XXXX we were late with a payment I called in made the payment that was late and was told fees would be waived. on XX/XX/XXXX a XXXX dollar fee was charged. and online it showed a XXXX dollar fee. we called in and were assured there was no fee but that we still owed XXXX cents which was weird but for XXXX i wont wast my time. on XX/XX/XXXX the XXXX was paid and again we were assured we were current with the loan. on XX/XX/XXXX. 1 day. before the next due date. we were charged another XXXX dollar fee. I beleive i am being constantly targeted for fees becauae i have had so many in the past

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 08/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Midwest Recovery Systems (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midwest Recovery Systems on or about XXXX/XXXX/15 added XXXX erroneous accounts to my credit reports. When contacted they admitted in writing that the XXXX accounts were added to the bureaus in error the week of XXXX XXXX 2015. But they refuse to remove them before the first week of XXXX 2015. We are in the process of getting a home loan and the XXXX erroneous accounts Midwest Recovery Systems added to my credit reports has caused my scores to drop below the minimum qualifying score for my loan. They were able to add the XXXX erroneous accounts during the week of XXXX XXXX 2015 which was not the first of the month and they should be removed immediately before the XXXX week in XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have paid my bills and they are still showing open

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Not only was my own mortgage payment drafted from my bank account but in addition, someone else 's loan / monthly payment was ALSO drafted from my account in the same month within one day of each other. Despite several emails, phone calls, promises for call backs, I have not been able to get resolution. I 'm put on hold and then eventually hung up on. I have provided proof of the erroneous draft as well as the other person 's loan number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (CA).
Issue: Making/receiving payments, sending money

Complaint: I applied for auto loan with US Bank and they relied on XXXX Credit report to denie me credit. I requested a copy of my credit report from XXXX refused to give it to 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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Accounts has not been verified

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 08/16/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (UT).
Issue: Loan servicing, payments, escrow account

Complaint: This company has horrible customer service. They tell me something different every time I call. They say they will call back and I never hear back from them. They say they will send me documents in the mail and they never come. At the present time I am trying to settle a matter of mortgage insurance ( PMI ). I called in mid XXXX to ask them to schedule an appraisal of our home to get rid of PMI. They said it would be a 2 to 3 week process. They scheduled the appraisal, which was done on XXXX XXXX, and then we heard nothing from them. I called in XXXX and was told that they had no idea what was going on with it. I called again a week later and they said it appraised for enough to get rid of PMI but it still needed a manager approval. I waited another 10 days before calling again. Still no manager approval. My bill for XXXX still had PMI required as payment ( {$200.00} ). I talked to them over the phone and asked what would happen if I paid the payment with mortgage insurance still included in my payment. They told me I would get it refunded to me ( {$200.00} ). Next thing I know, they sent me a check for only {$20.00} and said that was all I was eligible to be refunded. Currently I am waiting to hear back from them on this matter. I spent 2 hours on the phone with them 2 days ago, being transferred from one person to another who had no idea what to do. They finally said someone would call me back. No one has called me back and it has been over 48 hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: XXXX used my social security number to open a XXXX accout without permission

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (OR).
Issue: Account opening, closing, or management

Complaint: In 2008 we left XXXX and retired to XXXX. Therefore, we closed out our Wells Fargo deposit box. We took all the contents with us in our move. We naturally expected that since we closed our box we would no longer be charged for it. However, we have found over the succeeding eight years that we have been charged for this closed deposit box. We have sent many email and phoned numerous times over the years but have were told it would be taken care of. It never was. We continued to be charged for a box we no longer had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Closing on a mortgage

Complaint: Ocwen stalled the modification process, enabling me from moving forward. Ocwen illegally foreclosed on my property, without my knowledge. Until one day inXX/XX/XXXX A 3rd party showed up at my door to take picture of my home. In which they stated they purchased thru an auction. Poor communication from Ocwen in trying to resolve the matter. I numerous phone meetings with a relationship manager at specific times and dates in which, they never called me. Losing documents during the modification process which made me have to start the prove over again. When I do get thru to a representative, the records were never updated causing me to have to constantly refresh the new representative in the reason for my call. My girlfriend of 12 years, who was not a borrower or co-borrower on the mortgage, only listed as a communicator in case I was not present. They went into her bank account unauthorized and remove a payment of over 700.00, stating it was for payment towards the balance. In which I never authorized! In XXXX, I started this modification process, in which I am referencing. I submitted a total of XXXX in monthly income including two rentals, my girlfriend 's paystub and my paystub. There is no way, I should have denied on any level for a modification because the monthly income exceeded. Ocwen denied me because they wanted a lump of about {$20000.00} in arrears. When I was trying to negotiate how I can become current and get back on track with them, they were n't trying to do that! One of  the problems I did have with Ocwen is when I did send the payments, they failed to post them, instead sending them back! This happened on at least 3 occasions. They call me days later stating they have n't a payment ... Poor communication! I had appointment with the relationship manager on XX/XX/XXXX. They never stated they were foreclosing on my home. I have additional details to include. My name is XXXX XXXX, can someone please point me in the right direction. My contact number is XXXX. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Credit card) with Stenger & Stenger, P.C (MI).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: garnished my bank account in XX/XX/XXXX S.S.A. funds.XXXX then snatched my wife 's State income tax XX/XX/XXXX return under joint return injured spouse w/o me having any income at all.This has been going on for 16 years.every 8 years they claim I make a payment to them admitting this debt.going to some judge and gettihg an extention on collection.Ido n't know who the debtor orginated with only STENGER/STEGNER are the liars persuing this.pubic action

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: Have been a member of XXXX for many years. They recently changed card companies and requested that I call Citibank and get a new XXXX card from them. I did that and was a little surprised at the personal questions they asked ( annual earnings, etc. ) but answered all their questions. Then a few weeks later, I received a " Request for more information '' from them dated XXXX XXXX XXXX. The letter is attached. 

They requested way too much personal information, including bank or credit card statements, utility bills and either a letter from my broker, CPA or personal banker confirming my income or a copy of last years federal tax return, including signature and all supporting schedules. 

This is too much personal data and could result in compromising my identity, including access to my bank accounts. 

I withdrew my application during phone conversation with them. If requesting this much information is not illegal, it should be. 
Sincerely 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 explanation
Consumer complaint received 03-01-2018 about Checking or savings account (Checking account) with PNC Bank N.A. (NC).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: XX/XX/XXXX I ordered an access point from XXXX that I received an email PDF attachment bill of lading for, which would have any business person assuming product was in stock and was shipped. I find out that XXXX refunded my money, didn't send catalog either, and on XX/XX/XXXX shipped product, but didn't show on my bank account that money was refunded, yet showed new deduction of {$57.00}, and my account was overdrawn. I called PNC Bank after calling XXXX on XX/XX/XXXX when I saw an email of the overdraft fees. If PNC did correct all my fees from not alerting me if the money XXXX put back in my account, after I saw it deducted on the XX/XX/XXXX, I would have {$5.00} before SSI deposited {$750.00} into my account, including my {$40.00} withdrawal and {$6.00} purchase. Plus PNC is double charging an extra {$3.00} fee for using an outside ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Credit card () with Resurgent Capital Services L.P. (CA).
Issue: Credit card protection / Debt protection

Complaint: lvnv funding has a collection against me that is past the statue of limitations and also has not responded to my request for a debt validation letter

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (Other mortgage) with U.S. BANCORP (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I am enrolled in a HAMP modification. My rate has prematurely increased from 2 to 3 % and I have not received the $ XXXX a year good faith principal reduction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX XXXX, 2017 I charged {$510.00} onto my account.I made my first payment in the amount of {$150.00}, on XXXX XXXX, 2017. After being handed a late fee my remaining balance was {$540.00}, i was then charged a finance charge in the amount of {$12.00} and then credited {$12.00}, which left me with a remaining balance of {$390.00}. On XXXX XXXX2017 I made a payment in the amount of {$390.00}. I was assured by the customer service representative that my balance was completely paid off. To be clear, all payments were made over the phone with a live customer service representative. On XXXX XXXX, 2017 I came to the realization that I was being charged {$84.00} in late fees, an amount I i paid immediately to avoid any further fees, but by this point it was too late and I was red flagged on my credit report which spiked my credit score to an abysmal XXXX. Although i am not disputing the fees, I do feel cheated, since i was given false information by the company when I was told that my account was paid off. When i contacted the company after learning of the dramatic change in my credit score, the only help they offered was a {$30.00} credit on my account, which i refused since i have a balance of {$0.00} anyways and those {$30.00} would not improve my credit score. i am not looking for any financial compensation i am simply seeking for help restoring my credit score since their false information lead to its dramatic fall.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/28/2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (CA).
Issue: Problems when you are unable to pay

Complaint: Bought a vecle from XXXX XXXX. They arranged financing with Ford Credit. Throughout the terms I was contacting the dealer and the finance company. Concerning the conditions of the car they sold to me. Payments were made and some missed. Ford Credit threatened to repossess the car. As an option I went to several of the local dealerships. None would approve a trade except XXXX. Who accepted the car and under appraised it 's value. The stuck me with the their car. There 's a complaint on file against XXXX XXXX as well. A review of my credit report shows Ford Credit charged the car off. That 's a lie. XXXX took the car and did n't report the trade for two months. As a part of this Ford Credit is liable for a Privacy Violation. Of which I am trying to find an attorney to take my case. It involves Ford Credit XXXX XXXX and XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (DC).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint: I purchased a {$200.00} prepaid XXXX gift card from XXXX XXXX and XXXX. I tried to use the card a month later and found out that somebody else had used the card ( stolen ). I immediately called customer care and sent in required information to have the card replaced. I have since obtained a new gift card in my name and while waiting close to a month to have the three fraudulent charges disputed, I have been sending more than 3 faxes and just today I was told that whoever put in the dispute form mistakenly put in Washington State instead of XXXX XXXX ( where I live ). They just told me that I have to start the procedure all over again because it was an error that they have made. I can clearly see that the fax I had sent in has the correct address with XXXX in the state. I simply wish for the stolen money to be returned back to the card.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was negligent in handling computer security, resulting in theft of my personal data. 

Equifax did not notify me of the breach when they became aware of it ( I had to learn through the media ). 

Equifax has failed to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hello I am disputing XXXX different hard inquiries on my credit report from 2015 from Citizen 's bank which are currently negatively impacting my credit. I have tried to handle the matter with the bank directly by sending a letter to dispute the inquiries with no response. I at no time during this period of time applied for credit with Citizen 's bank and there should be no inquiries reflected from this company during that time period. Therefore, I am asking to have these inquiries removed from XXXX of the major reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I took a lease through American Honda Finance. Account #: XXXX. The lease was paid in full, and the vehicle was returned.  I leased another vehicle through Honda immediately.  I subsequently received an invoice for a turn-in fee, which they charge when you do not lease another Honda. I called them immediately and told them that I had leased a new vehicle. They asked for me to send a copy of the new lease. The finance guy at XXXX XXXX was helpful, and faxed it to AHF immediately.  I received another notice a few weeks after that stating that the turn-in fee was due. I called again - there were a number of calls back and forth. The finance manager at XXXX  XXXX sent the fax another two times, and I called AHF to let them know. I then received a notice about a month later stating that the amount is overdue. I called them got the name of the case manager in charge of my account, and had my Finance guy email them a copy of the lease. He cc'd me on the email. The first fax was on XX/XX/XXXX, and the last email he sent was on XX/XX/XXXX.  They said that as soon as the paperwork was processed, they would remove the turn-in fee as it is not due if I lease another vehicle. In the interim, I was making many calls to American Honda Finance, Honda, and speaking to many people to resolve this and was assured that if I had leased a new vehicle it would be removed from my account.  I finally reached someone on XX/XX/XXXX, who I insisted wait on the phone until he could confirm he could see the email. He acknowledged the email and said that the turn-in fee would be removed (this was erroneously charged, and should never have been put on my account int he first pace).  American Honda Finance reported to the credit reporting agencies that my account was delinquent around the XX/XX/XXXX, causing my credit score to drop almost 100  points. I request that American Honda Finance contact the credit reporting agencies to state that it was reported in error.  There is no reason I should have to suffer from their errors in charges, and record-keeping, and I believe their operation is negligent and suspicious in their charges.  Everyone at American Honda Finance has been insufferably rude and determined to be unhelpful, so I have not had any help from them. Nor Have I had any help from Honda.

Company response to consumer: Closed with non-monetary relief