milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I had an Opportunity checking account with Wells Fargo that required one year of keeping an account in good standing -meaning it was to be an actively used account in order to have upgraded features after 1 year, such as ability for outside atm deposits, larger amount withdrawls, higher daily spending limit etc,. The account did not include any monthly service fees for having a direct deposit each month. 
At the one year mark around XXXX 2016 I visited the branch due to deposit issues and a misplaced direct deposited check from SSI which was somehow routed into a closed account ( i believe which was previously suspected to be compromised when charges I did not authorize began to occur ) My direct deposit was ultimately located but once that was resolved I also began to see monthly service charges that were not agreed upon, with the switch to a new and secured account, I was then not allowed the new account features as agreed upon. Staff stated my account had not been open a year, then once I escalated the concern to show what occurred, they then stated it was not in good standing due to overdraft charges ... but the overdraft charges were due to debit transactions that had been processing out of sequence or very delayed ( even though I tracked and managed my spending not to mention had been complimented by Bank teller employees about the good standing and mngmt of my account ) yet resulted in multiple overdraft fees mostly for reasons I could not decypher or was able to predict. Also, I was unable to process my car payment due to continued limits on my account ; the amount was declined to process on time resulting in fees to my lending company, so I immediately closed the account because of nit being able to have access to my own money in order to pay bills and the fact that Management refused to fully refund my money for their transaction processing errors resulting in multiple over draft fees. They would only agree to proving me with a portion of the costs despite lengthy conversations by phone, I was then instructed to just go into the branch and handle it with management. There was an issue with my car payment which actually DID then process after my account closure! & Fees added after the fact..I had to dispute this because it resukted in a dual car payment to my lender. I was refunded the money for this but would appreciate it being looked into further since it seems very unethical and I have not heard anything from Wells Fargo since.

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 12-02-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been receiving calls and collection statements from Portfolio Recovery Associates. I paid this debt in a settlement in XXXX 2015. I have disputed the debt with the credit bureaus but They continue to call me and to collect on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are numerous inquires that were not done by me. I submitted the documentation as asked by the credit bureau and they refuse to delete them

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: My issue is with my Wal-Mart card thur synchrony bank. The last time I used the card was in XX/XX/XXXX at a gas station however someone fraudulantly made two charges around XX/XX/XXXX both for XXXX $ and also fraudulantly made a payment over {$800.00} it took me until XX/XX/XXXX to get this resolved some how the fraudsters were able to change my address order a new card and increase the credit line. I first notice this issue on credit karma and when dealing with synchrony was even advised that was I sure I hadn't made a XXXX $ payment because fraudsters don't usually do that. You can see from my payment history I have never shopped at the store in question or made that type of payment. Now it is XX/XX/XXXX And this is happening all over again. There are two new fraudulent charges both for XXXX $ synchrony says they have no record of me sending in the documentation to resolve the first fraud case and will no discuss the matter until I mail personal documention which I am apprehensive about sending due to their issues with my 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 non-monetary relief
Consumer complaint received 10-11-2016 about Debt collection (Auto) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/2016 at approximately XXXX est I received a phone call from First Merit collections dept on a private number on my cell phone. I was unable to catch the woman 's name, but she proceeded to tell me that I have only been making partial payments for the past several months for our auto loan. When I informed her that information was untrue and offered to give her receipt numbers for the payments, then asked her where these extra charges are coming from she told me to hold for a moment while she listened to recorded conversations that I had had with XXXX other First Merit representatives who told me that if I paid {$340.00} by XX/XX/2016 that I would be current on the account that took place on XX/XX/2016 and also on either XX/XX/2016 or XX/XX/2016. After she allegedly listened to the recordings, she told me that the information that both representatives told me was wrong and that I owe them more money. When I asked what I owe them more money for she was not able to answer me aside from to tell me again that I was making partial payments. I explained again that I was only operating on the information that XXXX first merit representatives had given me, and that I plan to speak with the first merit office to correct the information. She told me they would not help me and only send me back to her and that one of the representatives had tried to call me back at the time when we initially spoke but I had no missed calls at that time and no messages left by anyone so I do n't believe that she was telling the truth. Then the collections representative would n't let me get off of the phone to go back to work until I had told her several times that I needed to go back to work and would have to deal with this at a later time. The caller also threatened to ding the account holder 's credit every day until I pay the amount they claim that I owe them. I have receipts to prove my payment dates and times for every payment since we got the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: During  XXXX   XXXX ,    2016   XXXX   XXXX  placed an account for which i never applied for. I called and asked for it to be removed. However  XXXX   XXXX  has only removed the inquiry from my  XXXX  report. It is still in both my  XXXX  and Equifax credit reports.   The inquiry : Name :  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry  Date :  XXXX   XXXX ,  2016  Phone: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Debt collection (Auto) with CAVALRY INVESTMENTS, LLC (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had an auto repossession on XX/XX/XXXX from XXXX XXXX XXXX due to my illness with XXXX XXXX. XXXX sold the account to Cavalry Portfolio SVCS. When I had my credit report pulled Cavalry Cavalry is reporting the date placed for collection as XX/XX/XXXX, which is not the original date the account was placed for collection. I disputed the date with XXXX, and Cavalry did not update the " date placed for collection '' which was in XX/XX/XXXX. I need this updated as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2017 about Debt collection (I do not know) with KELLER,GRIMALDI AND ASSOCIATES (KY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Harassed my father in law and asked him to pay money

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (I do not know) with HYUNDAI CAPITAL AMERICA (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My sister provided Hyundai Motor Finance my phone # while hers was not working. I received a call from their XXXX number and when advised my sister was not available and asked who was calling. Female declined to identify herself or her company. I advised that the cell phone being called belongs to me and they no longer have my permission to dial my number manually or via their automated dialer. Female then hung up on me. My sister took care of the past due payment ( was just an oversight ) and we assumed everything was good. payment rec by HMF on XXXX/XXXX/15. On XXXX/XXXX/15 I recevied another call from HMF. I had my sister call back and they advised her account current and no record of call. Advised could furnish proof of call and requested again that they no longer call me.Rep said nothing he can do. Sister requested supervisor who told her the only way they would guarantee no calls to my phone is if she revokes her permission for ANY phone contact. My sister said she still wants to be contacted, just not at my phone number. Supervisor said nothing he can do. Also said that there were no automated calls out and that the only way she would have been dialed after she revoked permission, would be a manual dial. I called back in and advised that it is my cell and I revoke authorization, that they absolutely were not to manually/auto call my number any further. Ultimately they were calling out to an unauthorized party about a current account ... manually. Intentional harrassment. I received another call today from the XXXX number and a 28 second long dead air voicemail. Sister called back in and of course they had no record of call and were unhelpful again. I called back in, they said i had to get in touch with consumer affair department and because I 'm not a customer, just an innocent third party that they are harrassing that I would have to communicate with them via mail. Finally agreed to send me over via phone so solution could be expedited, but they kept just transferring me back to customer service. Eventually male rep told me that there was nothing I could do about the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Auto) with TD BANK US HOLDING COMPANY (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: TD Auto Finance has been calling my number ( XXXX XXXX XXXX ) for the entire two years I have had this number. When I was assigned the number I tried to get them to stop calling but was ignored. Since then, they have left nearly a XXXX robocall messages. The number has been on do not call list since 2003.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Several hour+ long calls were made to this company regarding unauthorized inquiries listed on my report. XXXX XXXX I sent a certified letter asking for verification and disputing the inaccuracies. I also had a fraud alert placed on my account months ago due to possible identity theft. I am concerned that these inquiries have reappeared after the data breach. 

Lastly, XXXX financial is not authorized to collect debt and I noticed was faxed into Equifax stating this along with a statement from XXXX representative acknowledging the removal from all XXXX credit bureaus. This account still remains on my account and is being reported as a recent collection from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This is a follow up from a previous complaint to insure proper, final resolution. 
Please find enclosed documentation from XXXX XXXX XXXX regarding a long disputed account I 've had with them. This account has been misreported in recent years by them and subsequently the credit bureaus, which has harmed my ability to obtain credit. 
I 'd like to address XXXX issues that should be updated and corrected per the information contained in the BofA letter. Due to my multiple disputes throughout this year, it appears the account has been repeatedly updated to reflect it as charged off but appearing to be something that is newly reported when in fact it was charged off XX/XX/2012. There should be no other charge off information noted to the account other than 2012. Additionally, the letter clarifies that there is no balance owed ( this has long been reported with a balance of {$21000.00} ). 
It would appear that because of these continual challenges and " updating '' that the account event status was reported as recent and not when originally occurred ( 2012 ). It would appear that this has had a direct impact on my reduced XXXX scores since I have no other recent derog credit, my current account balances have been dropping and all of my payments have been made on time. Please research this as well and make any account updates necessary to restore the accuracy of when events with this account took place ( charged off in 2012 and not recently as well as {$0.00} balance owed ). Thanks

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 01/24/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (IA).
Issue: Money was not available when promised

Complaint: I initiated a wire transfer for {$8000.00} to XXXX on XX/XX/XXXX before XXXX PT. Their web site ( XXXX ) states that wire transfers should arrive the same day if placed before XXXX PT. I called my bank and confirmed that the funds had left my account. I checked my XXXX account and my Coinbase account that day, yesterday, and today and see no sign of an incoming transfer being recorded. I contact Coinbase support via email but have not heard back. 

A XXXX search led me to dozens of people complaining that they had initiated wire transfers for thousands of dollars that have still neither appeared in their Coinbase or XXXX accounts, nor were returned to their respective banks. The Coinbase subreddit is flooded with complaints about failed wire transfers : XXXX XXXX XXXX/CoinBase/

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Medical) with Senex Services Corp. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Senex has been reporting on my credit reports that I owe {$30.00} for a medical account from 2010. I have sent them documentation that the original account holder failed to bill medicaid and showed them the eligibility of medicaid at that time. I have talked to Indiana Medicaid office and they told me what to send them but they still will not remove the debt off my credit report. I have sent them 3 letters asking for removal of account off my credit reports and all they send back is a letter telling me to pay this account when I dont owe them or XXXX XXXX Hospital.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: From XXXX our mortgage was transferred XXXX to Green Tree Servicing LLC.Since then we experienced change in our financial agreement. The name of the borrower and co-borrower were reversed and we received diferent tax interest form XXXX. 
We have XXXX phone calls and XXXX text message but they did not explained us is this change have been made on legal base.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Auto) with Byrider Franchising, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The company  XXXX   XXXX   XXXX  are seriously violating the FCRA. They took a charged off account that was closed and added an ok payment status on my credit report on   XXXX   They then closed the account on  XX/2016.  Next, they removed the ok status from   XXXX   and added an ok status for   XXXX   Then changed the whole history from charge off to failure to pay. I 've ever did business with  XXXX   XXXX   XXXX  company and I do n't think it is fair for them to damage my credit like they are doing. I have asked them to verify the debt and they never did. This is what they did when I asked them to verify this so called debt! And I gave them over 30 days. They did not respond in a timely manner

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Other debt) with ERC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ERC Collection Creditor Phone Number XXXX XXXX XXXX XXXX Creditor Address XXXX XXXX XXXX XXXX, FL XXXX This company has re-aged a collection account. The date opened is being reported as XX/XX/XXXX however, this account was placed for collection with the Original Creditor - XXXX - in XX/XX/XXXX. This is a clear violation of FCRA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: Rewards

Complaint: I have been a Chase XXXX preferred customer since XXXX. In the middle of XXXX, XXXX I became aware of the new Chase XXXX reserve card. I simultaneously closed my XXXX preferred card account and opened my XXXX reserve card account. At the time I believed that my accumulated points, worth close to {$2000.00}, would be rolled-over from XXXX account to the next. 

Recently ( XXXX/XXXX/XXXX ) I received a notification that this is not the case and I will lose the XXXX {$2000.00} in cash value. I find this extremely disturbing because : 1 ) it seemed intuitively obvious that I would want the points rolled over and 2 ) I was not informed of the non-rollover policy at the time of closing XXXX account and opening another. If that was the case I would have certainly requested the payment in cash. 

I request your assistance in having Chase rollover the point value from my old account to my new account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: The company did not provide a complete response to complaint XXXX nor all the complaints listed under XXXX. Some examples but not complete is how will my credit be protected in the future when Equifax is only paying for protection for 1 year? 
Why are they not paying for the cost of freezes for life and at the other credit bureaus? Please review all disputes listed in XXXX and provide specific answers to all questions. 
The solution is Equifax should pay for credit freezes at all credit bureaus for life of person. Please explain why not the best solution and again please be specific after reading all complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MD).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Dear Sir or Madam, I am currently serving in the XXXX XXXX. However, before joining the XXXX I accumulated XXXX debt in my student loan. I tried to work things out with Navient, but they could not help me at all. My pay check is XXXX, and the payment that I make to them is XXXX. I am struggling to break even every month. Also, I tried to enroll in the federal student loan forgiveness, they said that my private loan does not qualified to that program. I want to know that if that is true or they are just lies. 

Respectfully, XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I entered Experian website to get credit report. The screen where I was to enter my credit card number to receive this information showed a {$1.00} charge. AFTER I entered this information, the NEXT SCREEN indicated I would be charged {$39.00}. 
EXPERIAN is dishonest and should be fined for this deception.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief