milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/27/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Using a debit or ATM card

Complaint: When calling to find out when monthly fees occurred, since I 'll be closing my account and canceled my direct deposit, I was suggested to go to the grocery store and make XXXX separate purchases. Even if I were to do this for one month, how would I be saving? 

While trying to expedite a payment with XXXX, they needed confirmation from Wells Fargo that I had the funds for the payment. They brought Wells Fargo in on the line and customer service asked a couple questions to verify me. " What was my full social security number and my login username for online banking ''. Keep in mind there is a 3rd party rep from XXXX on the line still. She told me that she would not be able to help me if I did n't give that information up. After confirming my identity, she was about to give the XXXX rep my totals in my bank account. All he asked was " Does he have $ XXXX available in his account? '' I had to stop her and ask her to just answer his question and that he does n't need to know my totals.

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 08-10-2016 about Debt collection (Payday loan) with Acceptance Solutions Group, INC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I was approved for a pay day loan of {$500.00} from Acceptance Solutions Group on XXXX XXXX, 2016. As part of my agreement with the company, I was required to pay {$140.00} every other Friday ( my pay day ) until the total loan amount + interest was paid off. I set payments up to be drafted from my checking account initially. 

When I started struggling to cover all of my bills and noticed over draft fees were being charged I called Acceptance Solutions Group and asked that they remove my bank information from my account- I told the customer service representative that I would like to start making my payments over the phone manually. I was informed by that same representative that my banking and card information was removed from my account and I should n't expect any more auto drafts to take place. The very next Friday ( pay day ) I noticed that a payment was made with my card information ( not a bank draft, but they still used the card information that I had asked them to remove just a week prior ). I called Acceptance Solutions Group again and asked the representative to make sure that both my banking AND card information was taken off the account to prevent me from incurring any overdraft fees with my bank. The representative then got very frustrated that I asked this of him and transferred me to his manager. The manager got on the line and, in a very condescending and rude tone, told me that he would not remove my card information and informed me that they do not allow payments to be made over the phone or online manually because, " This is an online company so everything is done online. '' I was confused and frustrated at this point so I told the customer service manager that I would simply take matters into my own hands and turn my debit card off to prevent any future drafts from being made- despite what I had already asked the company to do for me TWICE. 

Acceptance Solutions Group has now called my cell phone and WORK phone and left personal information about my account on both my personal and WORK voicemails ( which are not private ). This is a violation under The Fair Debt Collection Practices Act ( FDCPA ) that expressly regulates calls to third parties in section 15 U.S.C. 1692b ( 3 ), stating that a debt collector shall " not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Hello, I am having a problem with Capital One. I had called them mid XX/XX/XXXX to advise I would be late on that payment and to ask if they would reverse any late fee as a courtesy as I 've always been on time. The CSR I spoke with I believe was XXXX advised me to call back after the payment had been posted and the fee ( {$27.00} ) would be reversed. My payment is due on the XX/XX/XXXX of each month. I made a {$50.00} payment on XX/XX/XXXX. I waited a few days and it had not been removed. I called once again on or around XX/XX/XXXX and still no credit. My account would have been current with payments. Once again another call made and I spoke with XXXX. He told me that someone " would look in to it '' and get back to me. I told him that all I wanted was what the first rep assured me would be done and that late fee would be waived. Instead they just keep piling on fees and this is becoming very frustrating and upsetting. I 'm XXXX years old with health issues and feel they are just practicing very poor business skills. I made my XX/XX/XXXX payment on time ( XX/XX/XXXX ) for {$50.00}. Now, the automated system is telling me I owe {$100.00}!!! It should be {$47.00} due for the month of XX/XX/XXXX. At this point I feel I 'm facing a losing battle with them. Just keep racking up deceptive fees. I 've always made payments on time and have tried to resolve this over the phone to no avail. Please help me. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Adler Wallach & Associates, Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On my  XXXX  report I disputed AWA collections account for {$380.00}. I paid the original creditor   XXXX   on  XX/XX/XXXX  in the amount of {$310.00}. The original creditor  XXXX  shows my account as a  XXXX  balance. I called everyday from XX/XX/XXXX  through XX/XX/XXXX  to check the status of getting this collection account removed. I spoke to  XXXX  who escalated my account to her supervisor to email AWA collections that my account balance is   XXXX  . AWA collections claim they have n't received any notifications from  XXXX . I spoke to an AWA supervisor  XXXX    XXXX   ext  XXXX  who claims no email has been sent and that he verified the account and the balance is still owed.   XXXX   from  XXXX  is adamant that her supervisor sent over the email to AWA and that the balance is  XXXX . This collection account was added to my  XXXX  report as of  XX/XX/XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (OH).
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 contacted the company, National Credit Systems, multiple times regarding the two accounts that were placed on my credit report after they sent letters stating that i owed the debt. Two times I sent out validation letters for them to show me that the debt is owed to me and the did not respond either time. These dates were XX/XX/XXXX and XX/XX/XXXX. I also contacted all three credit bureaus on numerous occasions - XXXX, XXXX, and XXXX - and stated that the debt was not mine and that they did not respond to my letters. Each bureau said that the debt was validated through their company but did not provide any information as far as the validation that National Credit Systems provided. This debt is inaccurate and should not be reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX is reporting to Equifax and XXXX a 60 day late in XXXX XXXX. <P/>The account was NEVER late. The account was in forbearance mode, and then refinanced and closed. <P/>I contacted XXXX XXXX/XXXX/XXXX. Transition updated their information, but Equifax and XXXX continue to read a 60 day late in XXXX XXXX. <P/>XXXX/XXXX/XXXX I contacted Equifax and XXXX. They told me to contact XXXX. XXXX/XXXX/XXXX I contacted XXXX whom told me the information was updated and sent to the credit reporting agencies. XXXX told me to contact the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Prepaid card (General purpose card) with JPMORGAN CHASE & CO. (OH).
Issue: Fraud or scam

Complaint: Chase Bank has a card called XXXX I applied and got the temp, card someone in Texas tried to send me money on it then Chase cancelled my card and said I could n't do any business with them any more. No reason for it at all this showed me the thing is a fraud and need 's to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONSUMER PORTFOLIO SERVICES, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX / XXXX / 2017  a credit inquiry was made on my credit report by Consumer Portfolio  S  that was without my consent and unauthorized. I have made multiple attempts to work with this company to have that inquiry removed but they have n't been willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: During the equifax data breach, they created a site to check if I was affected. However, the site includes a search that does not work, and automatically opts-in to their service along with the terms of use without an option. 

I did not want to opt-in, only to find out if I was affected. I have already had unauthorized use of a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Application, originator, mortgage broker

Complaint: In 2012 I got a divorce. Bank of America was giving me the run around about how to get my name off the title and the loan, since it was under my ex husbands VA loan. Finally after 3 years I was able to talk to the VA and I was able to do a quitclaim Deed. Once I sent that into BOA I was informed that all of the BOA information would be taken off my credit. This is still reflecting on all XXXX of my credit reports, and killing me. I have called BOA multiple time and no one can tell me why it 's still on my credit because my name is off the loan completely. Between getting ready to XXXX from the XXXX and trying to buy a new house do to expanding my family this procedure has been a nightmare. Please help me in this matter. My ex-husband has continually been late on the mortgage.

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 01/20/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I made a security purchase on XX/XX/XXXX using my chase Checking account I was alerted on XX/XX/XXXX that the payment was declined by Chase due to insufficient funds. I immediately got concerned and called Chase. 

Chase had issued a Court Ordered " Hold '' on my account for {$12000.00}. They also mistakenly " debited '' {$12000.00} out of my checking account. They agreed the total amount was {$12000.00} and that they mistakenly tied up {$24000.00} causing the stop payment for insufficient funds. 

The Brokerage now has fined me for failing to settle the transaction, not to mention {$1600.00} in lost gains and they closed my account. 

I spent hours on the phone with various Chase customer service representatives and Court Order and Levies representatives. They admitted to the problem and said they would reissue the payment for the securities within 24 hours. 

Fast forward to XX/XX/XXXX, and Chase has completely changed their story saying there is nothing they can do, the payment can not be resubmitted. 

I am extremely troubled by the lack of sound information coming from various Chase representatives. I 've spent hours on the phone with Chase, and I got 3 different answers when talking to 3 different reps. The latest call was ended after the rep told me there is nothing more they can do and she hung up ( XXXX XXXX - XXXX ) I have been a Chase customer for almost 20 years and this is the last straw. I am going to start closing accounts and moving business elsewhere. Somewhere that can service the customers it has. These banks are becoming too big for their own good and it shows. They hide behind phone calls and there is ZERO accountability. Everyone operated behind a phone and computer and no one actually cares when the customer gets burned. 

Between XXXX XXXX and Chase, they cant get out of their own way.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Based on the PennyMac response received on XXXX for case number XXXX, it looks like the bank sent my property tax payment to XXXX XXXX County instead of XXXX XXXX County. They need to confirm that the payment was sent to the correct county. Please investigate and let me know for sure when XXXX XXXX County received the payment. Again, I am not responsible for any late fees. PeenyMac should be responsible of the late fees if any.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I are the only borrowers on the mortgage loan associated with XXXX XXXX XXXX XXXX, XXXX, PA. We received several notifications today, XX/XX/XXXX that a new item has been reported on our credit. When he went into XXXX XXXX to find out what the new item was he found out the Nationstar Mortgage had tagged our home loan with a XX/XX/XXXX Bankruptcy filing from his parents who do not own, have never owned or been associated with the mortgage on the above property. Our credit scores immediately plunged about XXXX plus points with the derogatory remark as it is called. When he called the mortgage company they were told by Nationstar that the bankruptcy was for XXXX and XXXX. They live with us because they are XXXX however, they are not on the mortgage and have never been associated with the mortgage of this property. Based on that one negligent move by Nationstar we have had to do everything to notify the various credit agencies and CFPB because in one unjustified key stroke they devastated our credit that we have worked extremely hard to get back. This is the second time that Nationstar has done this to us and they do not have any repercussions we the borrowers end up enduring all the burden in making sure that everything is corrected and our credit restored to the way it was previous to this negligent act. Nationstar mortgage needs to have better practices and people in place to perform their duties. I want them to be held accountable for everything that they did and to make sure that everything and every credit bureau is notified of the wrong doing and that this needs to be removed and everything restored to the way it was prior to their negligent act. I am also going to notify each of the credit agencies however, I would like something in writing from Nationstar accepting responsibility for this wrong doing and requesting that all credit reporting agencies remove that derrogatory remark that was added on XXXX and restore our credit to the way it was before the remark was added. Please feel free to contact me at home XXXX or on my cell phone at XXXX. Thank you and have a nice day. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Debt collection (Other debt) with Credit Protection Association, L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Account number XXXX Invoice number XXXX Balance due {$33.00} CPA Reference number XXXX On behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX I do not have an account with XXXX XXXX XXXX XXXX . I have requested evidence of the account. I'd like to know who opened this account.

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 03/27/2018 about Debt collection (I do not know) with Convergent Resources, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Robocall asking to me to contact them regarding debt collection even though I have informed them that they have the wrong number and person.

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 08/23/2016 about Mortgage (Conventional fixed mortgage) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Application, originator, mortgage broker

Complaint: Applied for a Mortgage with Navy Federal on a Foreclose house XXXX/XXXX/XXXX. Pre-approval letter after some very stern phone calls XXXX/XXXX/XXXX. Loan Officer would not return your call or call from numbers that was not working for Navy Federal. We are at closing and have n't receive the HUD sheet, the Attorney Office had to let us know we will not close XXXX XXXX, XXXX. Navy Credit sent an email requesting more information XXXX/XXXX/XXXX around XXXX our time because they are located somewhere in Florida. Somebody call my cell earlier that morning but did n't leave a message, I guess it was XXXX XXXX because she did leave a message in the past from the same phone number. the email was asking questions concerning our dependent age and how much we pay for his daycare in the last two years, they stated it came from our tax transcript. Caluculated the distance my husband would have to commute and is his job relocating XXXX XXXX. Did I relocate to my current job because my Employment verification stated XXXX/XXXX/XXXX, my Employment verification letter gave them 24 years of Federal Services. Why my husband had a gap in employment, which they got from tax transcript and question income from rental houses we own. Now asking for XX/XX/XXXX tax return when we sign release form for them to obtain XX/XX/XXXX and XX/XX/XXXX tax transcripts. I can go on and on but the main thing we will not make closing XXXX/XXXX/XXXX and still have n't heard when we will close. I sent all requested documents timely and sent emails asking was anything else needed. we have to go 2 hours to close. The Navy Federal Credit Union had all requested information in a fimely fashion and now we can close on the date in the contract and talking about an extension meaning more money the buyers have to pay and some attorney do n't give or waive that fee, Navy should pay for any additional money because it 's not the Buyer fault we did n't make closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Debt collection (Medical debt) with Receivables Management Corporation (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I started working on my credit this year so i pulled my report and there was a collection account from Receivable Management Comp on my report. Ive sent in numerous letters for validation of this debt and have yet to receive a response. The debt owe is {$88.00}. I recently checked my Secretary of State website for the state of live in and this collection agency is NOT licensed to collect by law. This account needs to be deleted and removed from my report to report accurately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Checking or savings account (Checking account) with ZIONS BANCORPORATION (MN).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have an account with National Bank of Arizona which is a division of XXXX, XXXX. I have {$3400.00} in the account and they deactivated my online banking and debit card because it had reached a {$0.00} balance for a little while. I was visiting in Texas and they told me they have a sister branch in XXXX XXXX, Texas called XXXX XXXX I informed them over the phone I had an expired license and a yellow slip of paper from the XXXX that was stamped by the XXXX showing the issue date and proof of new licensure because it takes them a month to send me a new license. The national bank of arizona supervisor called the XXXX XXXX in XXXX XXXX and told me they would be able to give me my money if I brought those documents over to the bank. I drove 60+ miles to XXXX XXXXXXXX and brought my expired license, my proof of new drivers licensure paperwork, my certificate of live birth, my social security card and my school ID and they informed me they would not be disbursing any funds to me because their policy states I need to have a hard copy of my drivers license. 

I called the online banking service later and informed them of what happened and they activated my online banking for me after I was able to fill in the security questions. Then I added an external bank account to the system and then they deactivated my online banking without explanation. They then demanded I give them a phone number to verify my identity, so I did, and they said that phone number I gave was n't going to be verified and their " system '' listed 2 phone numbers that I never even heard of and one phone number that was super old that I did n't even have anymore, to verify me. 

Basically they are refusing to give me the money that is in my account until I show up at their bank account in XXXX XXXX with a hard copy of my new drivers license, which can take over a month to receive, even though they promised me over the phone I would be able to make a withdrawl and get my online banking activated again.

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