milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: My checking and savings account were levied a total of {$840.00} from my bank account. I was told by Wells Fargo that if I handled the problem the XXXX ( XXXX ) had with me, and the XXXX faxed Wells Fargo a release-of-levied-funds letter by XX/XX/2017, they would return said funds to my accounts. I handled my problems with the XXXX and they, in turn, sent Wells Fargo a fax to release my levied funds ; a fax for which the XXXX received a return confirmation fax from Wells Fargo, at XXXX on XX/XX/2017 with a " Withdrawal of Withholding Order # XXXX '', confirming they received that fax from the XXXX. 
On XX/XX/XXXX Wells Fargo disregarded the release-of-levied-funds fax from the XXXX and sent those levied funds to them anyway. When questioned, the Wells Fargo legal department said they did n't receive the release-of-levied-funds fax from the XXXX until XX/XX/2017, which was past the XX/XX/2017 cut-off date. Wells Fargo told me those funds are gone and there 's nothing I can do to get them back. 
The XXXX faxed me the confirmation fax they received from Wells Fargo at XXXX on XX/XX/2017 ( included ) that proves when Wells Fargo received that release-of-levied-funds fax. The Wells Fargo legal department has lied to me and I have the proof! 
I keep being charged for overdraft protection for automatic payments that were in place, because Wells Fargo did n't return my money as they said they would! I have no money! I ca n't even feed my mother, for whom I take care of, and I 'm running out of gas in my car and I do n't know when I 'll get paid next. I have borrowed all I can from friends. I have all documentation from the XXXX ( including a voice message sent on XX/XX/2017 saying they faxed the release-of-levied-funds letter ) showing that a mistake was made on Wells Fargo 's part and nobody else 's.

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 10-09-2016 about Student loan (Federal student loan servicing) with EdFinancial Services (AE).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Almost ten years ago I heard about the Federal Student Loan Repayment Program for government employees. I immediately called my servicer to enroll in the program. At the time I was advised by the servicer that I was enrolled in the wrong repayment plan and that I needed to switch plans. So I switched from an income based plan to a 20-year repayment plan based on their recommendation. This had no effect on me personally as the payments were the same in my particular case. Every couple of years I called and checked on the status of my loan and even submitted the necessary paperwork to update my employment status. This past year I called to enquire about the status of the filing paperwork which I had been assured would be available when I had completed my ten years of payments. At this time I was advised that I had been enrolled in the wrong repayment plan for the past ten years and no longer was eligible for the program unless I started making payments for another ten years! Not only was I in the wrong plan but according to my new servicer if I had stayed in the original repayment plan I would qualified! I can not express the anger that I felt that I had been relying for ten years on a benefit that I was not longer eligible for! I was even more alarmed to find out that this is not an unusual circumstance. Of the handful of friends that I have who also qualified for the program, over half spent years making payments that were ineligible based on advise from their service providers! I have no idea what my rights are in this situation but I feel like at a minimum the servicer should face a penalty and other people should be made aware of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I refi last year with XXXX, at COE they stated on there title that the 2nd partial claim would be removed, closed escrow. Now tried to go back and lower rate and finding out that XXXX, which is underwriting by XXXX, is showing the 2nd is first position now putting us in a position of not being able to get any at shellpoint to help us out, the 2nd is also now showing in first position but title insured only shellpoint on the property in first position. This is causing us to have to possibly sell our property due to this huge error. 
Please advise. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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 filled a dispute with Experian because there is a XXXX XXXX account that is on my credit report that is not mine. Someone stole my identity. Experian failed to remove the account and to add insult to injury Experian updated the date on the account and now it appears that this account has current negative information and the account was scheduled to be removed on XXXX. SHADY. I attached my report before the dispute and my report showing the re-ageing.

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 02-12-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: We settled a dispute with a local hospital on XXXX XXXX, 2013. 
By reaching the settlement, we agreed to withdraw our legal complaints against the hospital, and the hospital agreed to accept an amount smaller than originally billed. 
It was stated in the settlement letter that by offering and accepting the settlement, both parties agree to release each other of any and all claims related to this account. 
The issue is, with this settlement, we have withdrawn our claims against the hospital, yet, they still have a negative statement on our credit report? Why? 
If the law allows them to continue to post this adverse statement on our credit report, even with this settlement, then at least, they can include a more clear statement in the Status section, such as, " Account settled on XXXX XXXX, 2013. Both parties agree to release each other from all claims relating to this account ''. 
This statement is more representative of the true status of this account, instead of the current description in our credit report, which carries the connotation that somehow, we still owe them money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (NJ).
Issue: Account opening, closing, or management

Complaint: I received a promotional mailer from M & T Bank stating that if I opened an EZChoice Checking Account with a minimum monthly direct deposit of at least {$100.00}, I would receive a {$150.00} bonus within 90 days of account opening. I opened my account on XXXX/XXXX/2015 with a {$100.00} initial deposit and subsequent {$50.00} weekly direct deposits. 90 days came and went with no {$150.00} bonus. I reached out to the XXXX ( Delaware ) XXXX to speak with XXXX XXXX, who originally opened my account. She claims I am not entitled to the bonus, because it had to be {$100.00} weekly direct deposits. When I opened the account in XX/XX/XXXX, I told XXXX XXXX I was going to make {$50.00} weekly direct deposits. She said nothing to the contrary. This is false advertising, plain and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: I want to file a complaint against Bank of America. I was a victim of fraud and the bank helped the thieves. An acquaintance of mine posted on XXXX a link about a secret shopper job. So I applied and was hired. 
They sent me by mail the first assignment and a check with the funds to do it. I had doubts about such an easy job, but I thought that if the check was valid it would be safe. So on XXXX/XXXX/16 I deposited a check for {$1800.00} into my bank account, and waited for the money to be available. After the bank showed the money in my account I asumed the check was clear, and it was safe to use the money for the job, so I withdrawaled it and used the money. 
On XXXX/XXXX/16 I deposited a XXXX check from the same job, and when I did so the balance of my account was off. 
After checking all the transactions from my account I noticed that on XXXX/XXXX/16 there was a transaction of return item for the {$1800.00}, the bank took back the money without any notice. I called them and found out that the check was n't valid. I asked them why did they acredited the money if it was n't valid and they said that they trusted me with handing them a valid check. 
This is not a matter of trusting their clients, it is their job and responsability to clear the checks before putting the money into people 's accounts making them believe that their checks are valid, and they could use the money. 
I withdrawaled {$1600.00} to do the assignment, because I believed that if the money was already in my account that meaned it was real and I had a job to perform as secret shopper. 
Bank of America failed in doing their job, which is protecting their customer 's money, and now after they realized that the check that I deposited was n't valid they just removed the money from my account, and told me it is my responsability to verify the checks. I thought I did that by depositing the check and waiting for them to validate it. 
Bank of America is helping the thieves steal their clients money, because they make their clients believed that they 've cleared the checks, when they have n't and the robbers must know this. I would n't have fallen in the scam if the bank had n't put the money in my account making me believe that it was all right to use it. 
They never let me know that I had to wait for a period of time to use the money in my account, after I deposited a check and they complete the transaction by showing the money in my balance. 
With this complaint I ask Bank of America to reinburse the amount of {$1800.00} to my account, as well as the return check fee. Also the bank needs to stop paying checks into an account without verifying it beforehand.

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 09/18/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: The borrower was in review for a modification and the bank motioned the court to reset the sale and received the relief it sought as the court granted the bank 's motion and the property currently has a scheduled sale date for XXXX XXXX, 2015. 
This is clearly a violation of 12 CFR 1024.41 as the bank is prohibited from seeking a sale date while the borrower is in review for loss mitigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Social Security shows that I owe {$15000.00} by which I don't owe any such amount. Please remove this item off of all 3 of my credit reports which is showing on experian, XXXX XXXX, and XXXX. The dates is XX/XX/XXXX that it shows open There's also an account that show for XXXX XXXX XXXX which I don't owe I never had it shows the date of XX/XX/XXXX and amount of {$990.00}

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 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: XXXX   improperly billed for an incomplete improperly installed HVAC home improvement project. The project financed remains incomplete, does not comply with state and local codes, is unsafe as installed and in dispute. No payments have been made on the account. Billing began in XX/XX/XXXX , with the subsequent three months showing 30-60-90 days late payment. In   XXXX     XXXX  finally issued a statement ( due XX/XX/XXXX ) showing no amount due and no late payments. The XX/XX/XXXX  statement was sent to all   XXXX   credit reporting agencies to dispute 90 day late account report. Result of investigation from all  XXXX  credit reporting agencies (  XXXX ,  XXXX  and Experian ) was to remove the single 90 day late for  XX/XX/XXXX from credit report and not remove the 30 and 60 days late for   XXXX   and  XX/XX/XXXX  on the credit report. This is incorrect as all billing,  XXXX ,  XXXX ,  XXXX ,  XXXX  was and remains premature and statements from  XXXX  forward now show  XXXX  due and  XXXX  past due .

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 10/24/2016 about Debt collection (Medical) with North American Credit Services (MI).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: My husband was paying on my debts. I went through a horrible divorce, was left with no car. Could not work at the time. Had to move back into my parents house and start over. Did not have the money to pay debts. When I moved the bills were not sent to my new address I had no idea how much I still owed or that the bills were being sent into collections. Would like to negotiate a plan to pay off an amount of these collections to have the deleted off all XXXX credit reports now that I have a steady income.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX   XXXX ,    2017  On  XXXX   XXXX ,    2017  I mailed a letter to Experian requesting verification of  XXXX  accounts on my credit report. Based on  USPS  tracking records the letter was deliver via certified mail  XXXX   XXXX ,  2017  at  XXXX . In addition I have mailed a secound letter requesting the items be removed do to negligent noncompliance of the FCRA and for violating my consumer rights. Today is  XXXX   XXXX ,    2017  and I have no response from Experian. There are several documents included to support my complaint. I appreciate your intervention to ensure Experian upholds federal law from here forward in regards to my credit report.

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 12-08-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CT).
Issue: Loan modification,collection,foreclosure

Complaint: I have been negotiating this short sale for years, and it goes in a vicious circle of needing documents, submitting docs, extending the law day, repeat, repeat, repeat. I submitted a complaint in XXXX 2016, # XXXX, but the short sale still has not been approved. I work with all lenders, negotiating short sales, and this lender is hands-down the worst.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Checking or savings account (Other banking product or service) with PNC Bank N.A. (NJ).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Dear Sir/ Madam, It is currently XXXX XXXX in the PA Banking Commission XXXX We have received a contact from a previous consumer and wanted to touch base with your company to ensure that all is well. We have confirmed that a lawsuit was not filed against PNC. PNC has been soliciting XXXX XXXX in spite of a cease and desist letter being sent to your entity. The next steps will lead to a federal lawsuit. PNC has been told to leave XXXX XXXX alone several times. However, PNC never seems to understand the message. XXXX XXXX cashed the {$500.00} check at PNC 's approval. An agent from PNC contacted XXXX XXXX and had left a detailed voice message stating that the check was in good standing. No blocks or any adverse action was taken against the check. PNC is now blaming XXXX XXXX for stealing {$500.00}. If PNC does not leave XXXX XXXX alone, I will contact XXXX XXXX XXXX XXXX, NY ( DOJ ) to sue PNC for harassment and defamation. I am attaching this email that was sent by an employee in your company. PNC should have processes to keep employees under control. PNC is negligent as it has violated a cease and desist order. PNC must not make any more inquiries about XXXX XXXX to any Consumer Reporting Agency. PNC must mind its own business. I hope that you will follow this demand letter. Legal action will be filed if any provisions are violated in this letter. 
Sincerely, XXXX XXXX ( DOS ) PA BANKING COMISSION

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Enhanced Recovery Corporation reported new collection account to all 3 credit bureaus with a date of XXXX XXXX 2017 for an XXXX XXXX Account. No one from this company attempted to contact me prior to filing the collection account on my credit report to provide me with notice of the debt or to provide me with an opportunity to dispute the debt. 

1 ) Correspondence requesting verification of debt previously forwarded to XXXX XXXX XXXX. 

2 ) Collection account has been reported as new collection on XXXX XXXX 2017, reporting this as a new collection account which is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: OnXX/XX/2018 we had 3 hard targets on our credit that was not authorized. It was at a XXXX XXXX that we attended and found out that they opened a XXXX XXXX credit card in our name we did not authorize that is fraud also there's a Barclays Bank that is on our credit report for the same day and XXXX so that's 3 hard hits that we did not authorize them to run our credit for anything it's all fraud and we want these taken off our credit report now.

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 01-04-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MD).
Issue: Money was not available when promised

Complaint: Hello, I have 2 wire transfer withdraws that have been initiated through a cryptocurrency company called Coinbase in which i sold Bitcoin through them at market price to deposit in my checking account. Both of these wire transfers withdraws were initiated XX/XX/XXXX and show completed XX/XX/XXXX on their website. However both of these wire transfers have yet to be posted to my verified XXXX checking account. It has been 15 business days, way too long, even with the 5 business day delay for wire transfers they state on their website. Keep in mind they also charged {$25.00} dollars each for wire withdraws which have not been processed in a timely matter. I already have a support ticket that has been open for over 2 weeks thate has yet to be resolved, Case ID : XXXX. One wire transfer was for XXXX Bitcoin ( BTC ) for {$220.00} that shows completed on XX/XX/XXXX, reference code XXXX. The other was for XXXX Bitcoin ( BTC ) for {$240.00} that shows completed on XX/XX/XXXX, reference code XXXX. 

My Email for reference is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: While paying my student loans, I was directed to pay at least {$500.00} per month and I was XXXX receiving Social Security XXXX at a rate of XXXX per month. Year 2009. After paying thousands of dollars, my loans were dismissed due XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit card or prepaid card (General-purpose prepaid card) with CARD Corporation (NC).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: They have charged me twice for my insurance. I paid on XX/XX/XXXX for XXXX.. Then my card people did a charge back on XX/XX/XXXX that brought me to a negative XXXX.. I got my payroll check XX/XX/XXXX.. XXXX put me back in negative XX/XX/XXXX so I couldn't pay my bill so I deposit {$140.00} so my gym membership of XXXX could come out, so it left XXXX in my account.. I talked to my insurance company and they didn't get the money.. And I sure didn't authorize that transaction..

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I made a prior complaint regarding the same issue and they tried to fix it than fixed it partially. 

I have tried over and over again to have the bank fix my mailing address issue. To date they still have not fixed this issue. 

I simply asked them to send my mail for all my accounts with Td Bank to my XXXX XXXX XXXX but some accounts they fixed while others they still have not fixed.

Company response to consumer: Closed with non-monetary relief