milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2015 about Bank account or service (Other bank product/service) with SANTANDER BANK, NATIONAL ASSOCIATION (DC).
Issue: Problems caused by my funds being low

Complaint: To : Santander Holdings USA , Inc. 


Complaint ( Pre-settlement notification ) 1. I am filling a formal complaint after previous unsuccessful attempts to solve the issue over the phone with a call center operator. I am copying the Consumer Financial Protection Bureau responsible for supervision and enforcememnt of federal financial consumer protection laws. 

2. At the opening of my account with your representative XXXX XXXX XXXX at a branch located at XXXX XXXX, XXXX, NY, I expressly rejected to consent to overdrawing and any fees associated with overdrawing. I made such a decision on purpose in order to avoid unintentional overdrawing and fees commonly associated with it. Therefore, I assumed that overdrawing from my account was not possible under any circumstances. 

3. On XXXX XXXX 2014 I deposited a check of XXXX USD issued by a third party. Consequently, I conducted XXXX transactions totaling XXXX USD. At that point I was not aware of the fact that the check had not been deposited to my account, as the Bank had not notified me that the check was not valid due to the issuer fault. Moreover, the Bank did not notify me that the account balance was not sufficient to cover the concerned transactions. The Bank charged me XXXX USD per each transaction, in total XXXX USD as an overdraft fee. This means that the Bank let me overdraw my account without notifying me of the failure to deposit the check and without my previous consent the Bank charged XXXX USD overdrawing fee. Furthermore, as a consequence of the previous, the Bank closed my account and claimed the fee thus effectively preventing me to settle the balance. 

4. I would like to emphasize that pursuant to law banks are required to disclose any fees when the deposit account is established and they may not assess an overdraft fee on an ATM or one-time debit card transaction if the account holder did not affirmatively consent or agree to the fee. I claim that these conditions have not been yet, particularly as I have never provided any consent. 

5. Therefore, I request cancelation of XXXX USD overdraw fee and notification of the payment method to settle the outstanding XXXX USD claim. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Between  XXXX   XXXX ,    2017  and  XXXX   XXXX ,  2017  I discover ed Pinnacle Credit Services  reinserted account #  XXXX  in my credit file.   XXXX   is required to notify me within 5 days of reinserting a previous deleted item. I did NOT receive any notification.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a collection on my file from XXXX XXXX XXXX ( Account number XXXX ) I disputed this account with the bureaus. They left it on the file. I contacted XXXX XXXX XXXX XXXX to resolve the issue. They told me they sold this account to another company last year. 

The bureaus violated my federal rights by leaving a collection on my file that the company who reported NO LONGER OWNED.

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 05/16/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I disputed multiply addresses on my report that i haved never lived, and they wont come off.

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 02/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Alliance Data Card Services (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is sending me collection notices from an account that is not mine. The balance on this account is XXXX for a PayPal Credit Account that is not mine. Collection notices are coming to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I sold my virtual currency ( Etherium ) on Coinbase onXX/XX/XXXX, exchanging it for Euros. I then withdrew those Euros ( XXXX ) from Coinbase to my bank account, on the same day. I received an email from Coinbase ( attached ) stating that the money would be in my account by XX/XX/XXXX. 

XX/XX/XXXX arrived and no money had arrived from Coinbase, although the transaction was marked as 'Complete ' on their website. Previous twithdrawals to my account had been very prompt, so it was unusual that funds had not arrived on time. I raised a support ticket on the XX/XX/XXXX with Coinbase ( also attached ), asking them to confirm the funds had been sent. 

I received no reply to the support ticket, so sent Coinbase support another message through their website on the XX/XX/XXXX. No response was received to this message asking where my money was, except for an automated email from Coinbase on the XX/XX/XXXX informing me that they were experiencing high volumes of support requests. 

Its now the XX/XX/XXXX - 9 working days since I requested my money be sent to my bank account - and I have received no response from Coinbase whatsoever as to where my money has gone. The amount of XXXX has been deducted from my Coinbase account, but hasnt been sent to my bank account, so I have effectively lost XXXX to Coinbase as they still have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX & XXXX XXXX I have attempted to dispute public information being reported inaccurate on my credit file. I have disputed this information as not mine and someone with similar name filed bankruptcy. I have asked for physical proof that this public record being reported in mine. Since public record information is reported from a 3rd party source. Credit agency will not send me physical proof and keeps telling me that information is being furnished from the bankruptcy court. Bankruptcy courts do not furnish information to credit reporting agency. I received a letter stating to refer to the personal credit report you received for name, address, and phone number ( if available ) but nothing is available. I have yet received physical proof that the public information being reported is mine.

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 06/26/2015 about Debt collection (Medical) with Choice Recovery, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I paid the bill off in full. But its still on my credit reports. I have documents that it is paid. Its to choice recovery

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Making/receiving payments, sending money

Complaint: I contacted Capital One about an item treported incorrectly on my account last XXXX. They sent me correspndence telling me I contacted them about a XXXX payment. This is n't true, my concern is XXXX payments that they lied about returning. They are still reporting incorrect information. The only account on my credit card is XXXX and there has never been any returned items from XXXX for XXXX. My account is open and active.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX PA,XXXX XXXX Account # XXXX No contract or no signature

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 01-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My name is XXXX XXXX, I have credit card with XXXXBank and I owe XXXX on it. The online banking offers customers a way to check their credit score by clicking on and signing into to a link to the Transunion Credit Score Check. It is showing I owe {$330.00}. I have attempted to have XXXX Bank remove the charges because the last credit card rep at XXXX Bank, XXXX, whom I spoke with earlier this week, confirmed that I owe XXXX on all my cards. XXXX suggested I go to " XXXXBank Tech Support '' and since then, I have been unable to actually reach a " tech support '' person by phone, I have written to them as well. I have received no response assuring me that they have confirmed the information that I owe nothing and have had no assurance that " tech support '' has done anything on my behalf or is working to have the {$330.00}. bogus balance removed. Please advise.

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 09/26/2016 about Credit card () with SYNCHRONY FINANCIAL (SC).
Issue: Rewards

Complaint: In XX/XX/XXXX I had a Sam 's credit card that I have never been late on since XX/XX/XXXX. I make very big payments on my card. In XX/XX/XXXX I logged into my account and it said to call in. I could not access the account. I was told that my account along with XXXX other accounts I have with Synchony have been suspended until I get a letter in the mail explaining why and to call in when I get the letter. I never got the letter and also could not make payments and was told the only way I could make a payment was to cancel the card. I tried to redeem my {$210.00} worth of rewards but they only mail a check every XX/XX/XXXX. This is the craziest thing I ever heard. I did google and they have been doing this to XXXX people. Was never told why account were suspended. I cancelled the card in order to make my payment because I do not make later payments. I want my {$210.00} I am owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with AR Resources, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: After viewing a copy of my credit report, I noticed a collection account placed on my credit report from A R Resources o n  XXXX   XXXX ,   XXXX  . I am requesting that you let me validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name, and hospital/medical provider to which I owe the debt, and a detailed breakdown of the fees that I allegedly owe. Additionally, I am allowed under the Health Insurance Portability and Accountability  Act { HIPAA }, to p rotect my privacy and medical records from third parties. I did not give my permission to any of my current or prior medical providers to release my medical information to a third party.   I am aware that the   HIPAA does allow the release of limited information about me but anything more is only to be revealed with patient authorization. Therefor, my request is twofold-validation of debt and HIPAA authorization.
Please provide breakdown of fees includ  ing any collection costs and medical charges. Provide a copy of my identification used upon service and my signature with the provider of service to release my information to your company  AR Resources Cease any Credit Burea u reporting until this debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX this year ( 2016 ), my wife and I submitted our mortgage payment on time. With a 5 week month coming up, we wanted to stay ahead on our payment so we paid 1.5 times our mortgage payment. Later in the month, we received a check from PNC, with no explanation or reasoning for the check. Thinking it was because of an " overpayment '' we cashed the check. About a month later, since my wife runs a business, she checked her credit and found that her credit had dropped due to a " late '' payment reported from PNC. Come to find out, PNC made a mistake by mailing us this check, so after we cashed it, PNC reported it as a late payment on our end. After multiple phone calls into PNC, they admitted it was their fault, that they should not have sent out the check to us, and that we just needed to write a letter explaining the situation to them and that PNC would decide if they were going to remove the late fee or not. My wife submitted the letter to them, no response. Come XXXX XXXX, 2016, my wife and I are trying to apply for a new home loan to move into a new house and sell our existing XXXX. After running a credit report, our lender found that the " late payment '' was still showing up. We contacted PNC, they stated they had mailed us a letter stating they only had to report " accurate '' information and they were not going to remove this from our credit report. I want to know how they have to report " accurate '' information, but they do n't report that this was their fault, which is clearly is and they admitted it was their fault. I was PNC to work to get this removed from our credit, as it is hindering my wife 's business and hindering my family by not allowing us to get a new loan for a new home. Researching online this is a very common issue with PNC and I feel it is not fair, accurate or ethical to ruin people 's credit because they are sending customers checks that they should not be sending out. This is a terrible business practice, PNC I feel is unethical in this regards. I have been current on my mortgage for over 3 years, I make a payment for MORE than my mortgage, and no my wife 's and my credit gets hit hard. Even when calling PNC prior to them stating this as a " late fee '' PNC representative told my wife that everything was current and up to date. If they would have mentioned anything about this, we could have easily corrected it at the time and our credit would not have taken a hit. I think PNC should work to correct their own mistake and remove this false " late payment '' hit from my wife 's and my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I have an account with Wells Fargo, and I have been trying to get access to copies of checks that have been deposit onto me account ; but the online system only allow Wells Fargo clients to access checks within 90 days of deposit ( most banks allow up to 3 years ).
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In order for me to get online access ( view ) the check details ( such check number ) behind the 90 days, and or go to the branch for the same reason, Wells Fargo charges his clients a fee per every check request. In addition, it will take the clients 10 days or more to view the check that it will be sent via mail. Wells Fargo do not allow his clients to print, download a check behind the 90 days either. In my personal opinion, it 's my believe that Wells Fargo practices are not only deceiving the consumers on what fees they charge ( i.e - my account has no fee if I keep a a minimum balance ; however they will get their money to use such services like get a copy and or view a check ), but as well unfair business practices.. Most banks, such XXXX XXXX, allow their clients to view account summary, checks, print, and download the same up to 3 years ; so why is Wells Fargo does not follow the same rules as other banks?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Debt collection (Other debt) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I order XXXX internet. They installed internet and a phone line. I told them I don't need a phone line and never ordered one. They said they will removed the phone service which they did but a year later I got collection bill from XXXX XXXX XXXX XXXX stating I owe XXXX. I contacted XXXX   about it and was promised they will notify XXXX XXXX XXXX XXXX to stop notification. Notification of collection did stop but it still show up on my credit. every time I called the promise it will be removed but it's still there affecting my credit score. 2 other collection agency have this same XXXX bill on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My financial information was stolen during the Equifax breach of XXXX XXXX. I visited their website, but according to third party reports, their credit monitoring will start charging after 1 year if I use their service to monitor a problem that they caused through their lax security.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (Auto debt) with Optio Solutions, LLC (TX).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I received a call from  XXXX  to call her that is when  XXXX  low with a nasty rude attitude and say to my son with the same nasty attitude, then  XXXX  low said to me i am tried off playing game with you and your son, i have not been talking to this child because that is what she is to me,  XXXX  low have been talk to my son about the payment arrangement, then i call to talk someone that is over these peoples and that is when this boy got on the phone with a nasty and rude   XXXX   over, the phone so i cursed him out, then i call back to get the last name, when  XXXX  said to me you are dealing with a lot of crazy peoples around here   XXXX   reuse to give  XXXX  last name, then  XXXX  reuse give me  XXXX   XXXX  to see when he will be back to work,  XXXX  with his rude month said i do n't know i ; m not on a cell phone, these peoples need to be fired the se two peop les did't care to hear what you have to say whatsoever, when you get rude and nasty unprofessional represnting a company they sure be fired, what goes around comes around.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX : I tried to refinance my car loan from XXXX XXXX to Navy FCU. XXXX XXXX never received the payoff check in the mail. I cancelled the loan with Navy FCU due to this issue. I contacted Navy FCU on XXXX/XXXX/XXXX to see if they could report a ZERO balance on my credit report and to get this account deleted. The representative instructed me to contact all 3 credit bureaus about this issue because it would get done quicker. Attached is a message from Navy FCU to dispute this as well as a statement showing I do n't carry a loan with Navy FCU nor a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (Conventional fixed mortgage) with CROSSCOUNTRY MORTGAGE INC (IL).
Issue: Application, originator, mortgage broker

Complaint: Cross Country, Mortgage Inc. employee XXXX XXXX, XXXX # XXXX Phone XXXX Cross Country Mortgage, Inc XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Ohio XXXX Employee XXXX XXXX was very slow and unproffesional in the work on our loan for a condo, never hardly getting documents to us or other parties in a timely manner, not responding to our phone calls in a timely manner causing us to fire him, and his company, and getting another Mortgage company that was very good at all aspects of our loan application. XXXX XXXX even purposely delayed sending documents to new company we employed. He also gave bad advise to my wife advising her to come off loan causing us to have to pay {$660.00} to quit deed her onto condo after closing. I would like for XXXX XXXX or his company to reimburse me the {$660.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Bank account or service (Other bank product/service) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Account opening, closing, or management

Complaint: Placed money in a investment account pushed by the bank.After five years the value never increased but decreased although markets increased over this time. The bank continued to charge a yearly maintaince fee even with negative returns. The worst decision I have ever made by letting a bank invest my money. Lost time and money thru this deal.

Company response to consumer: Closed with explanation