milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I received a letter from wells fargo stating that they apoligize for any negative information that has impacted my credit report this has been going on for 7 to 8 years and the send me a letter saying sorry when i am part of the class action lawsuit where they are ordered to financially compensate everyone that is apart of it .I am in XXXX late in life and i cant get the financial help i am eligible for because of this i cant get a loan i cant even qualify for a credit card. i always assumed it was for a few hospital bills never checking to see well my eyes are open now and i am not willing to let anyone else destroy me. i only want tobe treated fairly and not like i am going to accept them ruining my credit and send me a sorry letter and thats enough no it is not enough it just not iam starting with you to try and resolve this matter in a timely order its already gone on way to long i deserve to move on from this yes slowly but surly my report is clearing and my score is riseing but do you think its right that iam paying for their mistakes it was not even a mistake them employees knew what they where doing i am being denied eligible assistance for education because some one somewhere wanted a bonus please assist me in putting a end to this as soon as possible i need to continue my education thank you for your time

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 09-12-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To Whom It Concern, I recently received a copy of my credit report ( XXXX/XXXX/XXXX ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( XXXX XXXX XXXX Sec. XXXX XXXX b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (I do not know) with Equitable Acceptance Corporation (KY).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I was under the impression that I was apart of a loan forgiveness program. Equitable Acceptance starting contacting me at the same time that I was in contact with XXXX. Acting as though the XXXX were affiliated. After speaking with customer service with XXXX and telling them about a referral fee that I was promised and never received and a {$49.00} monthly fee that I was responsible for, the customer service representative said there was no referral fee or a charge. I was told that under no circumstance that I should never be charged for these kinds of services. The total " Loan '' is for {$1300.00} with monthly payments of {$49.00} for three years. Now that I am aware of the XXXX not being affiliated with each other, I am now paying for something that is supposed to be a free service and if I do n't, it will be on my credit report. I 've tried contacting Equitable Acceptance only to be put on hold or told that they were going to connect me with a supervisor, who never came to the phone. How is personal information shared and what can be done to prevent this from happening to others?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, 2017 I received a notice from Bank of America on my equity loan claiming that I applied for loan assistance for this loan ( which I never did ) that I missed payments when I am on auto debit from my checking account ( never missed any payments ) and that I am subject to foreclosure if I do n't complete their borrower response package ( when I never did any such thing ). All proof of statements are attached.

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 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have noticed that I have a hard credit inquire from your company on my XXXX XXXX and XXXX XXXX  credit file datedXX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Payday loan () with ACE CASH EXPRESS, INC. (TN).
Issue: Can't contact lender

Complaint: I took out a loan from Ace cash express around XXXX of XXXX. I received a phone call around XXXX of XXXX stating that they will take legal action if I did n't pay so I set up a payment arrangement asap for XXXX . On that Friday that I set the payment arrangement to come out I received another phone call from another collection agencies stating that I was paying the wrong people and got called a liar and stupid and they hung up in my face. I called ace cash to see who had my case which they told me that the collection agency that called me a liar was the right agency to pay. so I was freaking out because I gave my account information to the wrong people I called them back to cancel the payment arrangement but they insisted that I was paying the right people. they had all my information where I lived my job and my social security number so at this point I did n't pay anyone and I do n't know what to do because im XXXX and scared. they told me that they will get everything straighten out and give me a call but I never received one

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Other fee

Complaint: Macy 's credit card continues to charge {$2.00} " interest charge '' even though I always pay my balance in full. This only started happening recently. 
I logged into my account today to find it past due, with a balance, despite the fact that I have not used the card in months.

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 06-05-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: As of today,  XXXX   XXXX ,    2017, we are still being called by a collection agency called Portfolio Recovery.  They were collecting on an old credit card debt. My husband, in  XXXX  of this year, made an agreement with them to pay them {$250.00} total and the debt would be paid off. Our complaint is that they are still calling us for collection!

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: There were three unauthorized transactions from XXXX, each at {$100.00}. This occurred XX/XX/2018. I filed a complaint and have not received any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Santander Bank, XXXX XXXX, New york There was an promotion going on in the month of XXXX when I visited the bank and an Checking account was opened which declared a new account opener will be provided with {$250.00} cash if the direct deposit of {$500.00} will be made in the next 3 months and the account will stay opened for 90 days. Also it should be new customer. 
I opened the account on XXXX/XXXX/XXXX BRANCH TRANSACTION AT XXXX XXXX - CASH DEPOSIT. {$110.00} {$110.00} All the conditions were fulfilled and still they have not deposited the money even after several efforts made by me on phone and in person visiting the branch. 
1st direct deposit was made for XXXX/XXXX/XXXX XXXX XXXX PR PAYMENT XXXX {$850.00} {$910.00} which should have fulfilled the criteria but even then a next deposit was made for XXXX/XXXX/XXXX XXXX XXXX PR PAYMENT XXXX {$1000.00} {$1100.00} and if we see as per the conditions 90days are done a long ago but still the company is not paying what they agreed. Its a kind of misleading practice to the consumer just to get more bank accounts. 

I called them twice spoke with the representative one month ago and they said they gon na deposit the money but no joy, then I went to the branch twice, same answer, no practical solution. 

I want the money which they told me they will pay also the compensation for the harrasement and waste of my time by calling them again and again, also visiting them to the branch. 

So annoying.

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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a bunch of hard hits on my credit that I have no clue How they got there or gave permission

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Deposits and withdrawals

Complaint: The bank is USAA Federal Savings Bank. I have been a customer for over 12 years. The bank allowed access to my checking, savings, and insurance accounts. Within minutes someone had taken a little over {$800.00} out of my accounts. I received notification via email that my car insurance id was ready to access as well as a quote for car insurance. I had not called the bank to do these actions. So I then called the bank but could not access the automated information due to it not recognizing my zip code or other personal identifiers previously in place. When I spoke to a representative I was told the account would not have the changes take effect to the insurance and it seems as someone called in as me. I was travelling so I ended the call but attempted to check my mobile app to determine if my bank account was touched, I was able to access via the app at first and found that there had been transfers from my savings and another checking account into a main account at the bank that I had not authorized. I immediately called the bank back again and after a 30 minute wait to speak to a representative was disconnected during a transfer to security. I had to call back again and waited approximately 30 more minutes to speak to someone again. I advised them that I did not authorize any change, transfers, or withdrawals other than a gas purchase and food purchases not over {$10.00} and wanted to file an unauthorized access to the account. When I advised them that I was travelling for the holiday and I needed my funds, not to let anyone take the money they advised they would allow me to get to an ATM to withdrawal funds. However, my card did not work with the PIN and then I was told the money I saw minutes ago on the app was no longer there because of a XXXX Transfer. I had not authorized a XXXX transfer I had been on the phone within minutes of the unauthorized access due to the account alert from the insurance access. I was stranded during my travels and told it would take 3 - 5 business days before I could access the money or get anything back. USAA would only apologize even though their records show they provided unauthorized access ( they called it suspicious caller ) to my account. A representative made a comment after reading the notes in my account " Oh this is bad ''. They apparently sent a Power of Attorney to someone but I received no form in my email account, which the caller could not even provide the correct email address per the representative. I would like to request the notes on the account so I can read what actually happened. There is a Freedom of Information Act which should allow this. My paycheck will be deposited and I will not be able to access it all due to someone being provided access to my account over the phone and online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-03-2017 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted Dovenmeuhle as they are the mortgage servicer for XXXX to resolve a dispute over a mortgage payment. The company had me showing as past due even thought I have made additional payments and should be paid more than two months ahead. I was advised by the representative that I am not allowed to make additional payments and that even when I do, they are put into a suspense account and are not applied to my loan, thus decreasing my principal balance and, over the life of the loan, my interest costs. This does n't sound right to me. As long as I am meeting my contractual obligations to them I should be able to pay as much and as early I 'd like as there was not stated prepayment penalty in my loan note.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (OR).
Issue: Deposits and withdrawals

Complaint: I filed a complaint regarding wells fargos mishandling of my HSA account and their response to it was a judgment from 2015 for the same issue that was already resolved. I have now missed 3 days worth of work to try to get this resolved and due to Wells Fargos lack of attention to detail, nothing has been resolved. Their response is a horrible example of how they treat their customers and handle their accounts. I have included my pay stub reflecting 2 days of missed work that I am now in further financial hardship because of this and also the ridiculous response from 2015 's judgment that has already been resolved. I have to now go to court on the XXXX of XXXX to resolve this issue that should not have even happened had wells fargo paid attention and handled my account with the fiduciary responsibility they are supposed to

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 02/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TN).
Issue: Other transaction problem

Complaint: I have been trying to move funds ( specifically, LTC ) from my Coinbase LTC Vault to my LTC wallet. However, I have lost access to my secondary approval email ( two separate emails need to be confirmed in order to approve the transaction ) and contacted Coinbase support to see if there was any way I could move the funds by some other means. After several email exchanges with their automated system, they stated a solution of : " Instead, we can move the funds from your vault into your wallet and delete the old vault. This will enable you to create a new vault and move your funds back into it.

I have just forwarded your case to our subject matter experts who can help. They will get back to you shortly. '' This was on XX/XX/XXXX. As of today ( XX/XX/XXXX ) I have not received any feedback or assistance from anyone on the Coinbase team.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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: For my XXXX XXXX ... XXXX .... XXXX ... .. The following accounts have been incorrectly reported. 

XXXX not ending in XXXX - There is a social security number variation that looks like XXXX or something. That is NOT correct or mine, and can explain why the following items below are listed. 

XXXX XXXX XXXX XXXX charged off account ) - This charged off account is not mine and needs to be removed immediately. My ex-spurse XXXX XXXX added my name without my permission and signed my name as a co-signer. 

XXXX - This account had unauthorized charges and I had them close it, this should be removed and a {$0.00} balance.

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 11-10-2015 about Debt collection (Medical) with Financial Corporation of America (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a followup to case XXXX. Per this case, Financial Corporation of America had stated the debt was valid and that an itemized bill ( which was part of my original request ) would be sent to me. I never received the itemized bill. I had not pursued this issue, as I had not received any correspondence. Last week, I again received a collection notice without any of my original concerns being addressed. Today I received a bill from Financial Corporation of America 's customer 's service providers as well which also did not detail the billing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Fraud or scam

Complaint: Tried to buy 2 tickets to an XXXX game through XXXX. 

Found a guy, gave me a name, email address and i sent the money via XXXX. He then stopped all communication

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received two calls pertaining to a debt for a gym membership that I have never held, the calls came from a debt collection agency called First Credit XXXX. I returned the calls while recording the conversation informing the representative that I was recording the call. They then transferred me to a supervisor who was also informed of the recording. I asked who the calls were regarding to insure they were trying to reach me, I then requested that the company destroy any information pertaining to me and withdraw any claims they may have made. Last, I informed the supervisor that I will be filing a complaint with the FTC and hung up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation