milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2018 about Checking or savings account (CD (Certificate of Deposit)) with PNC Bank N.A. (FL).
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint: On XX/XX/2007, I purchased a Certificate of Deposit from XXXX XXXX XXXX XXXX XXXX located in XXXX, Florida XXXX. The Account # is XXXX. The Amount is {$10000.00} Interest 4.780 for a term of 7 months. ( copy attached ) also have the Deposit ticket for {$10000.00} ( copy attached ). 
While going thru my safe recently I found these items in the back of the safe. 
XXXX XXXX has been taken over by PNC. I went to PNC about two weeks ago and was told that they have NO record of this CD. I would like to cash the CD. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Stated clearly that only current dated verification materials would be accepted, as a pending FCC complaint is ongoing. Debt collector has misrepresented themselves as being in real-time contact with the original creditor. Presented nearly two year-old material as " verification, '' in direct contrast to the request made. Debt collector has also failed to provide itemized debt verification, and has artificially inflated the amount of debt for their own gain.

Company response to consumer: Closed
Consumer complaint received 04-11-2016 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (HI).
Issue: Other transaction issues

Complaint: On XX/XX/2015 I initiated a wire transfer from my personal bank account at XXXX in XXXX, XXXX to a business bank account at Wells Fargo Bank in XXXX XXXX, XXXX. Not long after I initiated the wire transfer process, I received a telephone call from the Wells Fargo Fraud Unit informing me that I am probably the victim of fraud and that I should contact my bank ( XXXX ) immediately to have the wire transfer stopped and/or recalled ; due to the 6-hour time difference I was not able to contact my bank until the following morning when they opened. The Wells Fargo Fraud Unit did not take any steps to stop or intercept the fraudulent wire transfer that they called me about! 

I sent the money to : XXXX XXXX. XXXX XXXX XXXX XXXX Attn : XXXX XXXX Phone ( XXXX ) XXXX Wells Fargo Deposited to : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX ( XXXX ) XXXX I immediately filed a felony criminal complaint with the XXXX Police Department via telephone and they have since arrested and charged XXXX XXXX with felony fraud. I have been working steadfastly with XXXX trying to resolve this issue and to get Wells Fargo to refund my money via reverse wire transfer since Wells Fargo identified the wire transfer as fraud, recognized that they were depositing into a personal account instead of a business account and that the account holder 's names were not the same and did not intercept or place the wire transfer on hold until it could be verified. Unfortunately, Wells Fargo bank has given me nothing but lip service and the run-around and wasting my time while I tried to resolve this amicably. My bank ( XXXX ) wire transfer department has sent the Wells Fargo bank no less than a dozen secure XXXX messages trying to recover this money that they put into the wrong account. However, Wells Fargo has completely ignored my bank and refused to even respond to them too. 

I am attaching a true copy of the original wire transfer instrument to this complaint. Please investigate and make Wells Fargo bank follow the rules and refund my money.

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 05/21/2016 about Bank account or service (Checking account) with ZIONS BANCORPORATION (CA).
Issue: Problems caused by my funds being low

Complaint: Checking account overdraft : was unable to deal with bank due to emergency illness, when I got out of hospital I called bank and asked for account to be closed, was told it had to be done in person or by mail and bank refused to adjust the charges. I then had someone deliver a request to close account letter and have continued to be charged fees. I am not able to go to bank at present and can not take care of this issue, but am still being charged fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SUNTRUST BANKS, INC. (GA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I closed a Suntrust Business ( Control account ) due to the following issues. 
I could never access my account online and I could never keep up with the balances and payments due to waiting til my statement closed to get a bill in the mail. 
There was no way to call to get a balance because it was not accurate, the online info always had an inaccurate balance reflected. 
I paid the account off in XXXX for {$7300.00} and closed the account effective immediately. 
I later received a statement with a credit balance of approximately {$80.00}. 
I called SunTrust to get a check sent effective immediately, they told me it would take 60 to 90 days to issue a check. 
This is unacceptable, because the reverse of this would not allow me to make a pymt 60 to 90 days late. 
I want my money that was sent. 
Why does this take so long to give me my money that I over paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/31/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Money was not available when promised

Complaint: On XX/XX/2017 I have made an online {$1000.00} transfer from my checking account at Bank of America ( BofA ) to my checking account at XXXX XXXX ( XXXX ) using XXXX XXXX via my registered email address. The funds were debited the same day and never credited to my checking account at XXXX. I filed the claim with the BofA and waited 45 calendar days for them to complete investigation. As of today I'm still looking for my {$1000.00}. Ireceived a letter from BofA stating that they could not locate funds and advised me to reach out to XXXX. I have called XXXX and XXXX and both of them referred me back to BofA. Dead End! It looks like between Bank of America, XXXX and XXXX XXXX no one wants to be responsible for what happened. 
To me it is a lot of money and I'm not letting it go until found.

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 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, transunion and XXXX showing inaccurate inquires now they wont let me check my credit online to fix these issues

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 09/17/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (DC).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of 2015, I refinanced my home loan. This summer, I received a notice from the XXXX government, that my property taxes had n't been paid in the prior six months. Nationstar, my loan servicer, collects an escrow for this purpose. I thought they were paid at closing but even so, Nationstar should manage these payments. I contacted Nationstar to inquire as to the status of property tax payments. They said that they conducted an investigation and then made a payment. I asked them to share what they learned during their investigation, specifically I sent them the following : '' The update only seems to note that a payment was made. Please provide the results of your investigation into this matter. For instance, please clarify whether an amount was also paid at closing as noted by the loan underwriter. How much was the late fee and how was it paid? " Nationstar did not respond to these questions. I ask that they offer a full accounting of what happened, who was at fault, and whether they charged me for the late fee. If they did charge me for late fee, why they did so.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone with a similar name is listed with a different address on my report. This came about after a credit card was opened using my name. I would like the name removed with that person 's address in my Experian generated credit report. Experian makes you pay to change anything that is incorrect from their website and their phone number directs you to their website. I had paid a monthly fee to Experian earlier in the year for about 6 months but then discontinued the service. This is the first time to my knowledge that my identity has been used by someone else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have been cursed and threatened by the agents with this collection agency and this has been investigated twice before and been removed from my credit report and I am tired of the harassing phone calls and annoying letters from a debt that I do not owe.

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 07-06-2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX Veteran whose down on his luck, I am unemployed, I 'm in the arrears 10 months, and I am extremely frustrated with SLS my mortgage company. I applied for assistance back in XXXX XXXX when the loan was with XXXX, I checked the box, to keep my house, SLS picked the loan up in XXXX XXXX, and I still have not had a reply on my plethora of applications for assistance. I 've done everything they 've asked me to do in some cases twice ; I 'm at my wits end. My relationship manager has changed 3 times, XXXX is the latest, and sadly every time I call I get several prompts, only to hear a recording saying XXXX is not here today. I have left my phone # several times for a call back, the outgoing message indicates I will receive a call back within 24 hours and it never happens. I 'm having trouble sleeping at night, not knowing what is going on their end. I filed for assistances over 7 months ago, and after sending me endless letters asking for this form and that form, which I send everytime, but still no reply on what assistance program I qualify for. This is extremely upsetting to me, I want to stay in my home I 've lived in for over 17 years, I have gone XXXX, so that I can find a job, sadly I lost my job back in XXXX to no fault of my own, and I have cooperated fully, I 'm looking for a job. I 'm doing everything in my power to keep my house and get back on my feet.

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 09/23/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (AZ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I 'm a co-signer on the XXXX private loan, sold to navient ans several other company contact or locator service. I did try to get my interest rated reduced as I 'm currently on retired on fixed income, SSA. 
The loan was for XXXX XXXX and I 'm the co-signer. 
I would request a interest reduction to allow me the possibility get this loan paid off. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint: I called Equifax in response to their " Notice of Data Breach '' letter. I said that I wanted them to remove my name and identifying info from their data base as a result of the recent criminal breach of this information. The person on the Help Line ( XXXX, from New Mexico, on XXXX at XXXX XXXX ), said he did n't think that could be done. I asked him to check and he said the supervisors he checked with told him that I should go to their website. Their is no information about this on the website. I asked to speak with a supervisor and he said that they would not talk to me. 

SHUT THESE PEOPLE DOWN! It 's bad enough that they XXXX up, but they are totally non-responsive to the same people that they shafted.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I called a XXXX in which I had a credit card with them 5 years ago and want to pay the XXXX I owe to establish my credit. They referred me to XXXX XXXX, XXXX XXXX referred me to another company at that same time they stated that I also had another account on my credit and I said that I had no idea what that was I asked if they knew and they stated they could not see in the computer but to call Allied. I called allied and they stated that there is a XXXX XXXX XXXX account from 10 years ago. I told them ten years ago I was in jail and it is impossible that the account is mine. I told them that it had to be identity theft and I also told them that under the FCRA that it was outdated and they should not be trying to collect. The guy on the phone who I could barely understand said well what do you want me to do? I said I want you to delete it immediately. I am writing you because this is outrageous. I need to get this situation rectified. I am trying to buy a home and it is impossible to buy a house without these credit companies and debt companies following the laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, Today I discovered ( Negative credit item : XXXX XXXX XXXX for the amount of {$960.00} ) had been re-inserted into my credit file on XX/XX/XXXX and I did not receive notification. The Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify me no later than five days after the date of reinsertion and certify that the information is correct. 

Also, two late payments with XXXX XXXX XXXX XXXX and two unauthorized inquiries ( XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX ) were incorrectly added to my Equifax credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had a bankruptcy in XX/XX/XXXX. This bankruptcy was discharged 9 years ago. I have attempted numerous times through XXXX and Equifax to have this removed from my credit reports and both XXXX and Equifax refused to remove this past bankruptcy. The most recent dispute that was declined with XXXX was XX/XX/XXXX and the most recent for Equifax was on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed account # XXXX with PINNACLE LLC/RESURGENT on XXXX/XXXX/2016 and sent my dispute certified mail requesting validation of this debt. PINNACLE LLC/RESURGENT failed to provide me with a copy of any viable evidence, bearing my signature. A second certified letter was sent XXXX/XXXX/2016 and I have not heard back from XXXX, They are now out of compliance with the FRCA. I 'm sure we would both like to handle this outside of court, so all I ask is that you remove this listing from all the credit bureaus. If you refuse, I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 previously disputed this issue with Transunion and it was returned as showing verified as accurate but i know this is not true. I further stated numerous times that I have been a victim of identity theft and even attached previous statements before that should already be in my transunion file. 

Account # XXXX XXXX XXXX XXXX account opened XXXX/XXXX/XXXX - High Balance of XXXX. 
This account could not have been verified as accurate because it was paid through autodrafts each month and was never late. Transunion has failed to show how this was verified as accurate. This account should be deleted immediately from my file. 

XXXX Account # XXXX - This account has numerous data inaccuracies and should be deleted from my transunion report. The credit limit was XXXX and was never late as it was also autodrafted from account and account was further paid off in fullwell over two years ago. This account still reports as if there is a current limit and or high balance of XXXX dollars from XXXX to XXXX. This is not accurate and should be deleted. 

Inquiries : XXXX - I did NOT authorize this and it should be deleted XXXX XXXX - I did not authorize this inquiry and it should be deleted XXXX XXXX XXXX - I did NOT authorize this inquiry XXXX XXXX  I did NOT authorize this inquiry XXXX - I did NOT authorize this inquiry XXXX XXXX - I did NOT authorize this inquiry

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 10/28/2015 about Consumer Loan (Vehicle lease) with VW Credit (FL).
Issue: Managing the loan or lease

Complaint: Leased a car Thru Volkswagen Credit XX/XX/XXXX and leased a XXXX car from Volkswagen Credit XXXX, under the understanding that the disposition or return fee for the XXXX lease will be waived as I was leasing a XXXX car from them. 

The XXXX lease was returned today and Volkswagen Credit is charging me a disposition fee ; unfortunately I can not buy or lease a car from VW because they DO N'T have the desire SUV

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-10-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Alliance Data Card Services (NY).
Issue: Charged fees or interest you didn't expect

Complaint: I have PayPal Credit. A feature they advertise is that if you buy something, you get 6 months no payment/no interest. I made two purchases through PayPal with PayPal Credit. PayPal Credit refused to apply the no payment/interest promotion to these purchases. This is because apparently if you choose to pay for goods and services through the " send money '' feature on PayPal they do n't qualify. PayPal never made this explicitly clear when they changed their terms, not do they warn you when you pay for the transaction. It is deceptive advertising for them to say it 's 6 months no payment/interest over a certain amount when PayPal purchases ( which is what you use PayPal credit for ) do n't qualify. It 's a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I graduated college in  XXXX  with {$20000.00} in student loan debt from   XXXX   XXXX  . I initially struggled after graduating college to make these high payments. The loans often went into forbearance or deferment. The loan was then sold to AES in  XXXX . I now owe  XXXX ! I have paid on time for a few years now and still seem to owe this balance. It is truly outrageous and criminal what these companies and the government are capable of charging in regards to interest for a education. Something that is every individuals basic right. I have tried for over a year now to get my entire history from either   XXXX   XXXX   or AES in regards to how my interest could possibly have incurred to this point, and neither agency has the record .

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (AL).
Issue: Loan modification,collection,foreclosure

Complaint: Can someone please explain to me why a Notification of Sale, from XXXX XXXX, in regards to XXXX vs. XXXX XXXX, at al., was included in a response to Case XXXX, page number XXXX, in upload ; XXXX. How exactly does this relate, to my complaint? Whom added it to my file? Why was it added? When was it added? Where was it added? What is location of employee, or representative, and identity of Caliber Rep, whom uploaded this to CFPB, please explain, in detail. 

Did any representatives of your company/ and or investors related, place a bid by email or fax, on my home, previous to foreclosure sale scheduled for XXXX/XXXX/16? Did any representatives of your company/ or investors plan on placing a bid, by email or fax? Did your company/ and or investors related, inform XXXX and XXXX , of any such planned bids if so, what was amount? Please explain how, and why this is/ was done. 

Has your company, or any of its affiliates, ever placed bids on foreclosed homes by email, or fax, in XXXX County? 

Does Caliber, or any its representatives, bid on homes in which they have foreclosed on, by email, or fax? Does Caliber, or any of it representatives, bid on home 's foreclosed by fax, or email, in which other other lenders have foreclosed on? It is clear that XXXX, KY, solicits, and allows such bids. Please list other, municipalities that your company or representatives, have bid by fax, or email.

Company response to consumer: Closed with explanation