milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: XXXX, WellsFargo, XXXX XX/XX/18 : I sold a handbag on XXXX for a total of {$410.00}. 
XX/XX/18 : XXXX received {$410.00} that Icouldnt actually access. I refunded the buyer {$31.00} because she didnt want to pay sales tax and then I refunded the remainder of the money and sell the bag to someone else. I had already paid for and printed the shipping label. I canceled the order on XXXX, refunded the buyer via XXXX ( as instructed ), and voided the shipping label. 

XX/XX/18 : I woke up to realize my Wells Fargo checking account was overdrawn. They were VERY QUICK to take money FROM ME to cover the refund but they STILL HAVENT released the original payment amount to me! Wells Fargo debited my account to cover the transaction ( meaning I dont have any funds to pay any of my bills ) but XXXX still shows everything as Pending! 

XX/XX/18 : Wells Fargo charged me a {$35.00} overdraft fee for the transaction. So the took my money and charged me a fee within a day yet somehow the transaction is STILL NOT COMPLETE. Why am I the last one to receive access to payments TO ME!?

Wells Fargo has also recently started rejecting automatic online bill payments then charging a {$35.00} Return Item fee. I originally turned off overdraft services to avoid the {$35.00} Overdraft Fee but was told I was still being charged multiple overdraft fees because they still authorize transactions like car payments. So by the time I got used to that ( I.e. theyd already gotten a few fees from me ), they started REJECTING those same transactions that would have resulted in additional Overdraft fees AND charged a {$35.00} Return Item Fee! Dishonest and a manipulation of customer expectations!

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 09/14/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: MACY 'S SENT US AN OVERDUE BILL FOR A BILL THAT WAS ALREADY PAID. THE NEW BILL HAD A {$25.00} LATE FEE & A {$2.00} INTEREST CHARGE. WE NEVERACCURE INTEREST. WE CALLED & PAID THE NEW BILL MINUS THE LATE FEEOVER THE PHONE. THEY WOULD NOT REMOVE THE INTEREST CHARGE. 
WE GOT PROOF OF PAYMENT FROM OUR BANK ON THE ORIGINAL CHARGE & HAVE FAXED IT TO MACY 'S PAYMENT RESEARCH & HAVE NOT HEARD FROM THEM. CALLED TODAY, & I WAS UPSET WITH THE HOLD TIME,XXXX, TOLDTHEM SO & I WAS HUNG UP ON.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/27/2015 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (HI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I spoke with XXXX people at XXXX XXXX. The XXXX was a man who was very threatening and said my husband would go to jail, etc if I did not pay back his debt that we did not know about. The XXXX was an aggressive woman who actually called me a XXXX after she threatened me. I was legitimately very scared after they threatened my husband and myself. We do not even know what this debt is for and when I asked the man he said he did n't know. Now my husband 's credit report was hit with a civil judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (NJ).
Issue: Struggling to pay mortgage

Complaint: Citi Mortgage Started as ab line of credit, economy crashed and started to have financial difficulties. We received a letter from Citi Mortgage stating they were closing all lines of credits and had to pay it off, or convert to mortgage. We had no choice.
My husband and I started the paperwork seeking loan modification and we also made a large payment to catch up. We thought we would finally have our modification completed by now. It has been about 1 1/2 years by now.
They keep asking for more and more information to submit, resubmit over and over again etc. We are hoping for the relief this modification will bring us.
I am a 12 year XXXX XXXX  survivor and the stress dealing with Citi Mortgage is causing such stress.
XXXX XXXX XXXX 2XXXX XXXX XXXX XXXX, N.J. 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 non-monetary relief
Consumer complaint received 12/30/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Balance transfer

Complaint: I initiated a 0 % promotional transfer from my AAA credit card from AAA Financial Services in XXXX DE. I had done this in the past and did n't notice this issue. AAA offered me a 0 % balance transfer but did not explain that my regular monthly charges would now be charged an interest rate even though I paid those off each month while carrying the balance transfer that I pay off in small amounts each month. So it does not make sense to me that I pay interest on a balance that I pay off each month, on time. How is this a good deal? It feels like a scam to me. I have had this credit card since 2003. I have excellent credit. They told me this was explained to me when I initiated the offer but I do n't recall. I am in the process of switching to another card, but wanted to file a complaint because this does n't seem right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been working with my creditor XXXX credit union regarding my credit card account showing that i am 60 days late. They have sent documentation as well as tried to correct the mistakes on my credit report. I have also sent in this information and the credit agency continues to report the late payments. They have prevented me from getting housing because these late payments are showing incorrectly, and they will not accept the documentation that myself and the creditor are trying to submit. My next step is to sue the agency because they will not correct this information and this documentation has been submitted to them on numerous occasions since XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
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: OnXX/XX/XXXX I sent a letter to Equifax asking that they investigate some questionable inquiries on my report. I asked for XXXX XXXX compliant ( required per their OWN definition of their XXXX XXXX ) documented results that the investigation had actually taken place - as they failed to even do the investigation previously. <P/>On XX/XX/XXXX I opened my mail and received 2 letters from Equifax both dated XX/XX/XXXX. <P/>The first was a stall letter saying that inquiries are a factual record of a credit application ( NOTHING to do with what I asked or requested and was nonsense ). <P/>The second was a set of results saying the SAME THING! Worse yet? They ADMIT that investigation DID NOT TAKE PLACE. <P/>This is an intentional violation of my rights under the FCRA. <P/>I called today ( XX/XX/XXXX ) at XXXX. I was on hold for 53 minutes and told by their rep " XXXX '' that it is impossible to investigate inquiries, I was told by some foreign person that she did n't understand inquiries ( what? ), and I was transferred to a HOSTILE " supervisor '' who would only identify herself as XXXX who said she would n't do anything. <P/>To each of these people I explained what I had asked in my letter and what the responses were. Each of them gave me nonsensical silly answers. I explained a knowledge of my rights and that I work for a LAW FIRM specializing in FCRA and Credit Law - and was told by " XXXX '' that she would no longer talk to me. <P/>ALL I WANTED is my BASIC rights. EQUIFAX is a scam company clearly who has no problem doing UNETHICAL and ILLEGAL things to consumers. <P/>Best part? I told them that I would contact the CFPB. They laughed and said " the CFPB is useless! '' So, please do n't be useless.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Settlement process and costs

Complaint: After closing my mortgage loan on XXXX XXXX, 2016, I found a payment of {$1800.00} was charge by XXXX XXXX XXXX XXXX 's XXXX Card account on XX/XX/XXXX. In reviewing the closing cost details I assume that a payment was going to be sent XXXX XXXX XXXX in the amount of {$1700.00} ( Other Cost, XXXX ) for termite repair. I called XXXX XXXX XXXX three times and they stated that they has not received payment from the title company. 
On XXXX XXXX, 2016 I emailed XXXX XXXX XXXX, Assistant Vice President of Sales, Freedom Mortgage Corporation XXXX ID : XXXX and XXXX XXXX XXXX, Senior Loan Processor the following : " In reviewing the closing cost details I assume that a payment was going to be sent XXXX XXXX XXXX in the amount of {$1700.00} ( Other Cost, XXXX ) for termite repair, however in checking XXXX XXXX Card account on XX/XX/XXXX a payment of {$1800.00} was charge by XXXX XXXX XXXX. Am I correct in my assumption of a double payment for termite repair and we are due refund, if not possible please clarify. '' XXXX XXXX and XXXX XXXX assured me that they would research matter. After many follow-up emails and phone calls over the past 4 and a half months, I have n't received any resolution.

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 02/25/2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hi. I filed a complaint against this company with Consumer Financial Protection Bureau back on XX/XX/XXXX and the case ID is XXXX and I said this : Commonwealth Financial Systems is violating FCRA by changing delinquency dates on collections posted on my credit report. Not only that, but they are NOT licensed to collect in the states of Florida. According to the XXXX   XXXX XXXX XXXX XXXX their license has been revoked/voided, on XX/XX/XXXX. All 3 credit bureaus report delinquency dates that are all different on most of the multiple collections on my report. XXXX says XX/XX/XXXX, XXXX XXXX says XX/XX/XXXX/XX/XX/XXXX, and XXXX  XX/XX/XXXX. There are also multiple duplicate collections for the same amount on them as well. recently they tried to add a another collection for {$830.00} with the delinquency date for XX/XX/XXXX, this is a re age of a account already posted for a delinquency year of XX/XX/XXXX. They added this to all 3 credit bureaus also, and I don't owe it, period. I contacted XXXX on XX/XX/XXXX and they removed 6 out of 7 collections over the phone from these fraudsters. They seen that these accounts were suspicious, and claimed that they had several complaints about this company. The only collection they could not remove was the {$830.00} they re aged, this is slated for removal on XX/XX/XXXX.

Today, XX/XX/XXXX I received a notice from XXXX  that I have 2 collections back on my report from this fraud of a collection agency, which was suppose to be taken care of already, and removed last year. If this is not removed from my report, I will file a lawsuit as soon as possible over the matter. I am not playing this game with these people. I will also turn them into the state of Florida for collecting on a revoked license in this state, and also them into the state attorney generals office as well. This better NOT show up on the other 2 credit reporting agencies also.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: All XXXX bureaus are continuously reporting false and malicious information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Late fee

Complaint: Hold on to hat, this is good one. 

The credit card companies have figuered out that their best payors, ( those payors who pay their credit cards online the day they become available ) can be hit with late fees by stating that their payments were processed in the previous month 's cycle. XXXX XXXX XXXX hit me with it about 4 months ago and my Wells Fargo credit card online statement which showed up today has started the fradulant fee process as well. 

For clarity I will explain the process as it rolled out on my Wells Fargo account. The exact process occurred on my XXXX XXXX XXXX credit card during the months of XXXX, XXXX and XXXX of this year. 

On XXXX/XXXX/16 I accessed my online Wells Fargo credit card account to pay my credit card new month 's bill. The date of XXXX was the first day this information became available and the online account screen had my new balance with added interest fees and the minimum payment due listed ( {$80.00} ). I processed a payment of {$82.00} that day. I always pay my credit cards the first day they are available to pay. 

Now satisfied I have paid the current month I no longer access the account online until the next month becomes due. 

This morning ( XXXX/XXXX/16 ) I access my Wells Fargo account online and my minimum payment due has jumped from {$80.00} due to {$180.00} due. Also, I notice my interest fees have increased by about {$30.00} ( from around {$42.00} per month to around now {$68.00} ) I call Wells Fargo to find out what the deal is and am told that my previous month 's payment ( in XXXX ) was processed before the closing date of the XXXX statement and that payment made was structured as an extra payment for XXXX EVEN THOUGH online it gave me a new balance for the XXXX statement, new due date, and minimum due for the next month. 

Essentially the credit card companies are screwing their best payors who do not scrutinize their balance but just pay it immediately. The credit card companies have figuered out that the number of people who catch the fees and complain are far less than those who simply pay without checking. 

This has class action written all over 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 04-07-2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (NJ).
Issue: Taking out the loan or lease

Complaint: The interest rate which I am charged is through the roof!!!!!!! I know my credit score was not the greatest but the amount of interest they are charging me is going to end up passing the amount of what the car is worth. ITS ABSURD!!!!!!!!!

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: IVE NEVER AUTHORIZED INQUIRY OF CREDIT THROUGH TRANSUNION. IVE CALLED TO DISPUTE AND THEY HAVE REFUSED TO INVESTIGATE. I REQUESTED TO SPEAK WITH XXXX DEPARTMENT AND THEY HAVE REFUSED TO PLACE ME IN TOUCH WITH FRAUD. 
ALL XXXX INQUIRIES ARE INVALID AND WERE NOT INITIATED BY 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 11-07-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My landlord took me to court for non payment of rent and late fees to evict me. I went to court and testified that he refused to fix my cooking stove as the reason why I had not paid the rent. I was ordered by the judge to pay back rent and all late fees assessed. the eviction was withdrawn and all back rent and fees were paid. Eight months later when lease renewal came landlord asked me if I would like to move. I said yes and did so because he was refusing to repair AC. I have discovered that he has submitted to my credit report that he evicted me and I owe him money. which is not so..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NJ).
Issue: Account opening, closing, or management

Complaint: Paypal will not allow me to close my account. The reason I want to close my account is that my debit and bank accounts have been compromised. Two unauthorized transactions were processed by my bank ( I have already addressed the issue with my bank ). At this time I have no Paypal transactions pending. They say the reason they will not allow me to close my account is that there are pending transactions. Please provide any assistance you can in helping me to close this Paypal account that has been compromised. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Application, originator, mortgage broker

Complaint: After being contacted by Caliber Home Loans in XX/XX/XXXX & XX/XX/XXXX regarding refinancing our existing Caliber 30-year loan, we started the refi process XX/XX/XXXX. We were quoted a 15-year loan, 2.75 %, 0 points, 0 out-of-pocket closing costs. Application & requested docs were provided & {$500.00} was paid for an appraisal. Numerous closing disclosures have been received, none of which had the information we were quoted. A closing was scheduled for XX/XX/XXXX but on XX/XX/XXXX it was postponed by Caliber until the next week. At that point we learned that the property taxes, which were due in XX/XX/XXXX, had not been paid. Therefore, we will not be able to claim them on our XX/XX/XXXX Income Taxes. The closing has not been rescheduled, the 90-day rate lock has expired, and numerous attempts at contacting Caliber have yielded no results or information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: Hello. I like US Bank, so I decided to open checking and savings accounts there. To fund the new accounts I submitted XXXX cashier 's checks from people that I knew only as clients. The amounts were {$2400.00} and {$1900.00}, so I did n't ask for any money back, and I stressed that these were from people I did not know well. Still, they were official cashier 's checks, so I felt all would be well. However, the bank 's fraud dept determined later that they were forgeries. And HERE is my complaint : they closed my new accounts, marked me as a risk, said I could never have another US Bank account, and even charged me {$19.00} for each returned deposit! Who knows what they put into XXXX and XXXX. I 'm afraid to try to open an account anywhere else. It is my hope that US Bank will reconsider their position and give me another chance. The cashier 's checks looked absolutely genuine. How was I to know they were forged?

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 02-07-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested information several time to verify if this account is mine. To no avail have I receive anything from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit card () with PNC Bank N.A. (OH).
Issue: Rewards

Complaint: I applied for a PNC CashBuilder credit card ( for the first time ) which offered an incentive of {$100.00} ; the offer was sent to me by mail and I was approved. I met the criteria for the {$100.00} to be awarded ; however PNC states that the incentive will not be granted because I already received XXXX {$100.00} incentive on a completely different type of credit card ( PNC Points ). I 've never applied for nor had a PNC CashBuilder credit card until now and if the incentive that was offered was n't valid they should n't have sent me this Pre-Selected offer. I 've been an upstanding patron of PNC with the same checking & saving account and primary credit card for 28 years. PNC has no time frame allotted between bonuses awarded nor specifications on the different types of cards ( PNC Points, PNC CashBuilder ) applied for that eliminates eligibility for the {$100.00} incentive. Example : if you get XXXX {$100.00} incentive on a specific type of credit card ( PNC Points ), PNC does n't specify that the completely new different type of credit card applied for ( PNC CashBuilder ) does n't qualify for the {$100.00} incentive once received on the initial XXXX ( PNC creates new credit cards throughout the years so how would a consumer know ). Also, PNC does n't give any time frames on the duration of time that you will not receive additional incentives when your approved for other Pre-Selected offers with incentives attached. Example : If you meet the criteria for XXXX {$100.00} incentive, PNC does n't specify that if you apply for another completely different or the same credit card later within 1 year, or after 1 year, or after 2 years, or after 5 years, or after 10 years, or within a lifetime that you would not qualify for the {$100.00} incentive offered.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: A Student Loan Company claims that I am owing $ XXXX for a Student loan that I never opened or attended classes. When I asked for the verification or proof of the original signed contract, the company just blows me off and provides some generic letter unrelated to my question of attempting to know anything about this loan. Under the FCRA I have a right to verify the debt but instead I received bills related to the loan.

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