milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2015 about Money transfers (Domestic (US) money transfer) with ALLY FINANCIAL INC. (MS).
Issue: Incorrect/missing disclosures or info

Complaint: I have a Traditional and Roth IRAs money market accounts with Ally Bank. I 'm in the process of trying to transfer those funds between XXXX other FDIC insured banks so that all of my IRA money will be Federally insured. I signed, dated, and mailed the " IRA Transfer Requests '' applications from these XXXX banks to them. XXXX of the banks in turn submitted this signed request form to Ally Bank to start the process of transferring the money into the new Tranditional and Roth IRA money market account. However, a representative from Ally Bank called to inform me that the requests to transfer the money had been denied. When I asked Ally Bank why the transfer was denied, they informed me that my signature was not notarized by a notary public with a notary stamp. She said anyone could signed a transfer document. I told her that I had signed it and that I was giving her verbal authorization to make the transfer. I told her that she had asked me at least XXXX security questions to verify that I was the owner of the account in questions before we began the discussion of my IRA. There is no logic why after successfully answering the security questions that Ally Bank refused to accept my verbal acknowledgement that I ( the owner of the IRA accounts ) legitimently requested the transfer. The Ally Bank representative agreed with me but said the notary public notarization was their procedure. So I reprinted and filled out the Transfer Requests for a second time and had them notarized and signed by a notary public. I called Ally Bank bank to let them know that I uploaded a copy of the new " Transfer Request '' forms to my new bank and that they would send them the new transfer request. It was from this XXXX discussion that I was told that these requests would also be denied because they were uploaded copies and not the original forms. These kind of onerous rules have no place for an online bank who touts the ease of their software to fill an individuals banking needs. At the very least when I was initially informed that my transfer request was denied, I should have been emailed the precise requirements that needed to be performed to submitt successful transfer form. Instead I accidentally stumbled across the requirement that the transfer request forms had to be the original ones. At the most, when I call Ally Bank and successfully answer all the security questions but then still can not direct how my accounts are to be handled goes counter to having an online bank account. This is wrong and in my opinion over kill when the owner of an account can not call Ally directly to direct how their account is to be handled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Bank of America has consistently being trying to charge me overdraft charges even when my account is not overdrawn. Mostly, when my account falls below {$25.00} they would charge me {$35.00} to ensure I have a negative credit. They then give me 5 days to bring my account to positive, failure to which they charge me another {$35.00}. 

This trend has resulted into some of my genuine payments being declined when they should n't. 

In XXXX, I noticed this and had one charge rescinded. On XXXX/XXXX/XXXX, the updated statement showed that I was charged {$35.00} overdraft fee even when my account balance was {$15.00}. This resulted in a negative balance of {$19.00}. I have screenshots of my account to back up my assertion. 

There have been many instances like this that I have allowed to go through because I did n't have time to argue out my case. I wonder how many people are being swindled in a similar way.

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 10/18/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order XXXX to make recompense and pay redress and compensation for their trespass against me. XXXX has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation XXXX not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.
15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 
18. Invasion of Individual and Family Privacy

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 01-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX DOB : XXXX/XXXX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 

Account Account Number Provide Physical Verification XXXX Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You 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 08/29/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: My original compliant turns out to be the the same thing, incomplete information at the Attorneys help and settlement, SPS has not been fair in it dealings, they honestly did not review with is a part of the settlement. Why would you close a file in XXXX days because you can not figure out That CDCR is XXXX XXXX XXXX XXXX XXXX XXXX, but you have current paystub labelled State of California? Seem to me there into stealing houses for XXXX XXXX, criminals. Everyone, else modifications except t ; hem why???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Other transaction problem

Complaint: I have a relatively significant amount of bitcoin stored in a digital vault housed with Coinbase. They require approval from two email addresses that I setup to move the bitcoin out of the vault into my virtual wallet. I no longer have access to one of the two email addresses and therefore do not have access to my bitcoin. I emailed Bitcoin one month ago on XXXX XXXX requesting they help me. They responded and said my case required a specialist and it would be a priority for them to help me. Nothing has been resolved. Its a lot of money for me not to have access to for so long.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
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 XXXX has been contacted several times from my credit repair company re : a collection of {$110.00} that was opened XXXX, 2015. I have no knowledge of this collection and the original company ( XXXX ) could not furnish anything relating to this debt. The collection has been removed by XXXX and XXXX and while Equifax wo n't remove it, they also have not given me a reason as why they believe this collection is mine. This has been disputed several times and their only answer has been to not address it or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Trouble during payment process

Complaint: Ever since I hired an attorney to defend my foreclosure case, my servicer, Wells Fargo, has sent *all* correspondence to my attorney, including escrow disclosures, monthly statements, and correspondence about my account. I have not asked Wells Fargo to send this correspondence to my attorney. In fact, my attorney asked Wells Fargo 's attorney to make sure this correspondence is sent directly to me. I would like Wells Fargo to send all of its correspondence 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 05/28/2015 about Debt collection (I do not know) with CL HOLDINGS LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: my wallet was stolen along time ago and now im receiving a letter stating I owe a banking institution this is not me

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 07/21/2017 about Mortgage (FHA mortgage) with Paramount GR Holdings, LLC (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was contacted by XXXX XXXX XXXX about the refinancing of my home and during this phone conversation trying to get me to refinance with this company i was told that I could cash out {$500.00} dollars and it would only raise my payments approximately {$5.00} a month. I was also given a payment amount and I then stated for them to make sure that it was correct because I pay both city & county taxes and for them to figure them correctly to get my payment correctly. When I received the info of the payment it was raised over {$50.00} which I excepted since I was going from an adjustable loan to a fixed mortgage. I explained that I was at their mercy because I do n't understand all of this stuff. Then when all was completed, I attempted to contact these people that I dealt with and they would n't answer, return calls, or emails. I then contacted the manager and he stated that the employee made a mistake and said that that it was coming from my escrow that I paid to the other mortgage company on previous loan. I explained that is already money that I was getting back and they did n't know how much that I paid in escrow Plus that it was discussed about it raising my payment to get this money. The manager then told me that it was n't an unreasonable amount so he will email the VP immediately and get back with me 2 days later on Thursday and he did n't. He then would n't answer calls from me and I sent him a email that he did n't respond to as well. I contacted someone else which they emailed the manager and he finally contacted me back and told me they were not going to honor what I was told because they said that I got a refund from my previous mortgage lender. I explained again that has nothing to do with what was discussed and that they had no idea what I had in escrow during this time of trying to sell me this loan. I also told him that these type of lending practices are not ethical of promising stuff to get me to buy a loan from them and then not honoring what they stated during these recorded conversations after I sign loan agreement was n't good lending practices and that I would report this!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/26/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Summary : I am demanding that Equifax remove XXXX account XXXX from my credit report. Instead Equifax is ignoring the will of the court and placing undue burden on me by demanding I have a lawyer contact them in writing demanding removal of the account. 

Details : Equifax is publishing a XXXX Revolving Line of Credit account ( ending in XXXX ) that XXXX Count District Court ruled on XXXX XXXX 2016 was not my responsibility. In addition I was awarded {$5000.00} in consequential damages for the continued reporting of that account by XXXX XXXX ( reference attached XXXX County District Court case number XXXX ). Equifax was received proper notice of the case in XX/XX/XXXX and proper notice of the court findings and judgment on XXXX XXXX. Equifax acknowledged receipt of the findings and judgment on XXXX XXXX. I talked to an Equifax representative on XXXX XXXX. Despite proper legal notification of the court finding that I am not responsible for this account Equifax has refused to remove the account from my credit report. Instead, I was told I would need to have an attorney contact them in writing to have the account removed. It is my understanding that consumer credit bureaus are obligated to abide b court rulings once they have received proper notice. I am filing this complaint because I believe Equifax is attempting to improperly avoid it 's legal obligations by placing an arbitrary, undue and expensive notification / escalation burden on me that I am not legally required to fulfill.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: We have been trying to get a loan modification for the last 8 years. When Ditech asks for the information to process this ( bank statements, tax returns, paystubs, etc. ), and we submit them and confirm that they did indeed receive everything they need to complete the modification request, they send us a letter that we have not completed the requested paperwork. This exact same scenario has been going on for 8 years. The mortgage company for our home changed hands at least XXXX different times in 8 years. XXXX, XXXX, XXXX XXXX XXXX, Green Tree and the latest call to Ditech was made on XXXX/XXXX/15. The representative assured us the loan modification paperwork would arrive in 5-7 days. We had a XXXX way call with my husband and his real estate agent to confirm this in order to get more information on our options regarding selling the home. The real estate agent heard that we would receive it as well. We called 1 week later and the reprsentative with Ditech said that he never said that and denied even speaking with us. The representative thought our real estate agent was a lawyer. After several times explaining that he was NOT a lawyer but a real estate agent wanting to get a better understanding of our selling options, specifically short sale vs. foreclosure, he refused to discuss our case anymore. I called on XXXX/XXXX/15 @ XXXX to be exact. I believe all of the calls are recorded for " quality assurance ''. I called to follow up with this after again not receiving the loan modification paperwork, and the caller said she cant talk to me or she would lose her job and hung up on me. I called again to get more information because just a few weeks earlier they wanted to discuss this with us, and the caller, a different woman this time, hung up on me again. We have been very involved and wanting a resolution to our problem. We didnt walk away from our home, we continued to keep up with our home improvements, all we wanted was an opportunity to get a loan modification. There was NEVER any paperwork sent to us after confirmation after confirmation that they did receive all the loan modification paperwork they needed. I have written logs of everyone I spoke with, dates included, just to get a loan modification review. We were promised we would receive the paperwork, and over 8 years and have never received anything.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Checking or savings account (Other banking product or service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I opened an online account with USAA in order to open a banking product with them. Unfortunately I did not qualify for membership with them. Upon realizing this I call them and asked them to cancel that online profile. They told me since I could n't qualify for membership that the online account will be closed automatically. Well, months passed and I recently received an email from them in regard to an online agreement update. When I try to access online, the acocunt is still open. They never closed it. I call them once more and this time they stated once I create the online account it can not be deleted and my private personal information will remain on their system. I am not authorizing USAA to keep my private personal information and it is outrageous that they tell me they wo n't delete it.

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 Debt collection (Other debt) with WELLS FARGO & COMPANY (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Wells Fargo is reporting a debt for {$1100.00} dated XX/XX/2012. This account was sold to XXXX XXXX, XXXX without my knowledge. I never received written notification of this debt being reported to the Credit Bureaus, therefore I had no opportunity to dispute.

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 07-10-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Delinquent account

Complaint: The Amazon.com Store Card, provided by Synchrony Bank, does not explicitly tell the consumer that a fee is charged every month REGARDLESS of usage. My account was sitting idle and unused and I was not worried about it -- I had n't made a single purchase since opening. But come to find out when I log in a few weeks ago, I 've been getting charged {$1.00} per month, missing those {$1.00} payments so getting hit with late fees for all of them, and then all of those {$1.00} charges and late fees accruing interest. It 's totally wild for this to be happening on a card I have not used once and did not feel the need to monitor -- I have several other cards I do n't use, and this does not happen ... Synchrony/Amazon have reversed the late fee charges on my account, but the blemish is NOT gone from my credit report, and is still hurting me severely.

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 03/15/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Closing on a mortgage

Complaint: Around XXXX of XXXX a home equity loan was taken out in my name by my now ex-wife for her business. I became aware of the loan in XXXX when the loan should have been paid off but was in default. I received a call from USAA stating that the loan was in default and I needed to make payment arrangements. I told my ( then ) wife about it and she said that she told me about it ( which she didn't, she told me of another loan taken out for the same amount through XXXX XXXX ). She was able to set up payments. Fast forward to XXXX ( we divorced in XXXX ), I went to the courthouse to file paperwork and it was suggested that I check to see if there was any information on my home. I uncovered falsified documents, signatures ( notarized ), and information regarding the loan. I have contacted USAA several times over the past few years and since then my ex wife stopped paying on the loan. I have been paying the loan myself to keep my name clear with USAA but they have done nothing to date. I have evidence that completely puts USAA at fault for somehow letting this loan go through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I do n't have a contract w ith Diversified Consultants or the original creditor nor did I receive a written notice of my rights to dispute this debt before it w as added to my credit reports. The law states that a creditor must send written notice of the debt that includes the amount of debt, the name of the original creditor to whom the debt is owed, and a statement describing my right to dispute the debt. I have no knowledge of this debt.

Company response to consumer: Closed with non-monetary relief