milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Account opening, closing, or management

Complaint: I have been harassed and falsely accused by XXXX a wells fargo manager. I did not know she was working at this wells fargo bank on XXXX XXXX XXXX XXXX al XXXX. I was opening me a new account because my old account was hacked supposedly which is what they told me. But i ran into XXXX when i was trying to fix my new bank account. While i was in the bank XXXX police officers came in i did n't know what was going on but i know now. I received a harassing and threatening letter from " XXXX XXXX '' a security agent from wells fargo but i did n't receive a letter until after i made a complaint. I did n't even know my checking account was closed until XXXX/XXXX/2015 and I was n't going to get my social security money. I found out XXXX has once again falsely accused me of harassing her, when their is proof i did n't even bother her. If wells fargo or XXXX had any sense they would had looked at the security footage and i was n't even bothering XXXX XXXX, and she made a false police report which is a felony. Wells fargo believed her side of the story and for the record i did not know that anything was wrong until i called on XXXX/XXXX/2015. I 'm getting tired of XXXX falsely accusing me and everybody taking her side. This is why my new account was closed based on her demand that i was harassing her and this XXXX believes her side. I have legal grounds to sue XXXX XXXX and wells fargo for false accusation and harassment from XXXX and the closure of my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Payday loan) with Real Time Resolutions, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My Credit Report now shows a " Collections '' account regarding a " XXXX '' account from 2011 being collected ( and reported to Credit Bureaus ) by Real Time Solutions in XXXX. I immediately contacted RTS and told them this was not my debt. They did not contact me prior to reporting ( despite having my email address ). 
They advised me to send them a Police Report ( I.D . Theft ) and they would remove it. This was done. They then asked for an Affidavit, which I completed. Real Time Solutions is polite but they are not transparent about the status or anticipated resolution. 
They illegally reported this, they did not contact me prior, and they have not yet removed this despite me complying with every action they 've asked me to take. When I ask about resolution.. they respond " It 's in " Research '' ''. 
I did have identity theft in 2011 and had to change my bank account. I explained this and provided them with a police report. 
There is no apparent resolution, yet my credit report has been severely impacted and I was denied a XXXX card which I needed for work expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I believe my credit card was used fraudulently. I do n't understand how the card was used since it did not leave the cardholder 's possession. The card company did not provide copies of every charge. Dates and times of many charges could not have been made by the card holder. XXXX or more copies of receipts clearly show a signature that is not of the card holder. I believe the pattern of charges are consistent with obvious fraud. At no time did the card company contact me and question or ask about the charges. The charges exceeded the indicated credit limit and the card company allowed them anyway by just raising the limit. No explanation as to why the charges valid have been given. The card company response is just " ... determined that the transactions were valid ''. There has been no response with any substance to my letters or questions.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I deposit a large amount of money i won from a worker comp case in the amount of, XXXX ON XXXX XXXX,2016 ii need to be secure in knowing i did n't get erorr on 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 09-12-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Using a debit or ATM card

Complaint: I have an ATM card issued by TDBank. My ATM card IS NOT a debit card ( does not have a XXXX logo ). I noticed that my ATM card stopped working on XXXX/XXXX/16. I went into my local branch and spoke with XXXX XXXX XXXX [ XXXX ] and she told me that the TDBank network that processes ATM cards ( not debit cards ) was out of service. She could not give me an ETA on when the network would be back up. Today ( XXXX/XXXX/16 ) I tried to use the ATM card but it still is n't working. I would like to know when the network will be back up or if TDBank is not longer supporting ATM cards.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Incorrect information about date of birth and employment status on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Other

Complaint: I have an open credit account with Synchrony Bank who back many different types of credit card financing, e.g. XXXX financing for Appliances ; Care Credit for medical ; cosmetic and vetrinary care financing and XXXX XXXX Pay for car repairs which I have. My complaint is this : Business practices are barely legal to my way of thinking. When you visit their website, you are continuously steered in the direction of giving them all of your information, or they wo n't let you into your account ; even with the correct password. Once you 've passed that hurdle then you are steered toward letting them into your bank account to take out money for payments and other things, and are told in contract that if they deem it necessary they will reach into your bank account and take out what they feel is owed to them based on whatever debit card you used to pay the last bill. Also, it is almost impossible to find a phone number or any other contact information for these people. The only thing listed for dispute resolution is an address which could take you months to resolve anything and by that time they can hit you with all kinds of late fees etc., although I have only had XXXX to date. I have always paid my card off before the interest period comes due. These people seem to try every trick in the book, with timing and otherwise to make sure that you either ca n't pay on time and they can hit you with a late fee and other financing fees or something. Their business practices may not be illegal, but they are certainly not ethical. My complaint is the way their business practices are structured from gathering information to collecting debt. This company is clearly a legalized loan shark preying on desperate consumers. I will pay the late charge that they hit me with because of a timing error with my bank over XXXX of XXXX weekend and I will close my account and never do business with these people again. Furthermore, I think that they should be investigated and shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Do to financial Hardship I fell behind on my house payments, always trying to pay something. My alleged loan, has already been sold in to the secondary market and is now morphed in to a security. This Company called DITECH is just the servicer to some unknown mortgaged backed Trust with no orders from said Trustee. The problem started when DITECH raised the monthy mortgage payment by {$360.00} in an escrow account causing an undue financial hardship on me. I am in a position now catch up pay up to bring the account current, but I can not pay the {$360.00} per month extra. I pay the property tax and insurance separately. I have faxed them a letter explaining my position and request, which they denied. This is conversion and a felony. The alleged Loan # XXXX. DITECH is not the holder in due coarse of my note and has offered no evidence they are acting on behalf of the trust that does.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Mortgage (Conventional fixed mortgage) with Statebridge Company (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX, our XXXX was XXXX under Chapter XXXX by the Bankruptcy Court in the XXXX XXXX XXXX Florida. Said mortgage was recently sold to Statebridge Company, LLC. on XXXX XXXX, XXXX. 

Today, XXXX XXXX, XXXX, we receive the first mortgage statement and it lacks the acknowledgement and language that the mortgage was discharged in XXXX and is in direct violation of the Fair Credit Reporting Act ( " FCRA " ) and Fair. Debt Collection Practices Act ( " FDCPA '' ), I am attaching a copy of the bill received as well as a copy the Bankruptcy discharge. 

I am requesting that Statebridge Company, LLC reflect our Chapter XXXX Bankruptcy discharge on our account.and abide by the law. 

Thank you. 

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 09/27/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MS).
Issue: Trouble during payment process

Complaint: My wife and I have been involved in a suit against Ocwen for the third time, along with an illegal foreclosure, they have also, been crediting our account late in nearly every instance up to over 30 days late, never receiving a statement as to how they posted the checks, and playing with the numbers on our escrow. We continued to pay on the mortgage until they returned our check and would not accept any payments till the shortage was satisfied. The payments were in excess of what Ocwen originally set at the previous closing which we knew was not enough to fulfill the escrow requirements. Ocwen also would n't let us make payments on line, so when we discovered the payments going out of our checking late, we started sending them certified return receipt. Both first and second mortgage payments were mailed together. The list goes on and on! We are hoping that you can intervene and assist our attorney in settling this matter which has thus far cost us in way excess of {$30000.00}. They have kept us completely in the dark as to our mortgage, and has kept our property in hawk for the last 9 years. We have had mortgages all our life and have never been treated like this! We currently have a lawyer trying to settle this, but it seems like it just keeps going on and on. 
Note that our attorney has a telephone conference with them and a Judge to resolve this however they are not offering nearly enough in compensation, and we have applied for a new mortgage in order to rid ourselves of dealing with OCWEN. The time line is very close the telephone conference is on the XX/XX/XXXX and the bank is waiting on the finial appraisal. 
XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Credit card () with PAYPAL HOLDINGS INC. (MO).
Issue: Other fee

Complaint: This is a Paypal Credit issue. 
I have a different balance from XXXX XXXX to XXXX XXXX. 
I have NOT used Paypal credit since XXXX XXXX, 2015. 
I have NOT used Paypal Credit for four business days, yet the overall balance changes from XXXX XXXX to XXXX XXXX, 2015. 

I called Paypal at XXXX and XXXX. 
The responses did not address the balance change. 
It has to be some Hidden Fee. 

Thanks. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Trouble during payment process

Complaint: Went into the XXXX XXXX. Wells Fargo Branch. I stepped up to the teller window, I told the teller that I was there to pay my mortgage. Sadly I did n't have the account number with me. She asked me my name, I replied, I am not on the contract. She looked around for help. The mortgage is based on land/home ownership. I believe that they could have taken my address to look up the mortgage. They only had a ca n't do attitude, whereas they would be happier if they 're customers were happier. How can I help you is the better way to a consumers heart. 

I called the number on the response letter and the gentleman who answered, I forget his name, just rambled on about how they were right. I think the corporate culture needs a sorely lacking update on how to support their customers.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not implement Cyber Security Standards to protecting PII information resulting in the information being vulnerable to outside malicious attackers. This vulnerability was taken advantage of resulted in my sensitive information being compromised including but not limited to Social Security number, current and previous addresses and credit history. Equifax has not clarified the solution for this breach to the consumer community or highlighted next steps on how consumers can protect themselves aside for 1 year or free credit monitoring with the caveat in regards to their arbitration clause. 1 year of credit monitoring does not come close to mitigating or managing the damage that has been caused because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: First off, I worked very hard to bring my student loans back to a good standing by following through with a repayment plan that got me out of default. I started this plan with XXXX inXX/XX/XXXX and made all of my payments on time. Apparently sometime in XXXX or XXXX XXXX my account was sent to Navient. I was first told by Navient that my payment would continue to be {$17.00} a month which XXXX had previously determined based on my ability to repay with my current income. I was ok with this and agreed to pay the {$17.00}. Fast forward a couple of months to the end of XXXX and Beginning of XX/XX/XXXX I received harassing phone calls and emails from Navient letting me know my payment was past due with a balance over {$500.00}. Shocked, I had no idea why this was so I tried to contact Navient. I was told that I was sent notification that I needed to submit my replacement plan paperwork to figure out what my income based plan would be. I never received that paperwork nor did I ever receive a letter of any kind from Navient. The only contacted me once and that was way back in XXXX XXXX and nothing was said to me about anything I needed to fill out. They gave me no warning when they jumped my payment from {$17.00} to over {$150.00}. I still do not know what my total is a month because I have never received any letter in the mail just threatening collection calls and a threatening email. I understand that Navient is currently in a lawsuit with the CFPB and let me tell you these people at Navient are crooks. I was never informed of my payment change nor was I ever informed that my repayment plan had to be resubmitted despite what they say. I never received any correspondence from Navient related to any reason why my payment would have skyrocketed. Navient are crooks and I will not stop until this issue is fixed nor will I make any payment because it is not a feasible payment. It is about {$130.00} too much a month for me to afford. I will choose food for my family before I pay any money to Navient. This company has and will continue to take advantage of the unfortunate until it is stopped and the CFPB is the only people looking out for the people 's rights.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Managing the loan or lease

Complaint: hello my name is XXXX XXXX, my complaint is that I got a loan for {$2600.00} with cash call, is been a year of paying {$290.00} and is always the same amount, I am so desperate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX XXXX, a client deposited the amount of {$3000.00} ( USD ) into my business checking account at Suntrust Bank. When deposits are made on a business day it takes a 24 hour period normally for the funds to be available and if the bank is in the same area of the account then there normally is no hold. However, when I checked the business checking account it stated on XXXX XXXX XXXX that there would be a hold on {$2800.00} until XXXX XXXX XXXX. However when I checked the account again on XXXX XXXX XXXX, Suntrust Bank decided to place a hold on {$400.00} until XXXX XXXX XXXX and then put a hold on the remaining {$2400.00} until XXXX XXXX XXXX. When I contacted Suntrust Bank on XXXX XXXX XXXX, I spoke with a representative named XXXX and was told that these holds were not policy but at their own discretion. I informed the representative that this inconvenienced my ability to do business and that these funds should be available especially if there were no push backs from the bank in which the deposit was drawn from. Based on the representative and his management this is a system process and there was nothing they could do. I informed the representative that this was unacceptable and that their explanation was not enough.

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 01-05-2017 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (OH).
Issue: Problems when you are unable to pay

Complaint: I submitted a previous complaint # XXXX against Regional Acceptance Corp. Please refer to my original complaint which is the origin for contacting XXXX. Contacted the IRS when I received these letters stating I owed {$990.00} in which the IRS said ; it did not send no such letters. Attached XXXX scheme letters using the IRS as a way to obtain money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid contract off in full, company tried to collect more money after I paid off debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (KY).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: This said collector was suppose to have removed my account from all 3 credit reporting agencies and still have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY ().
Issue: Account opening, closing, or management

Complaint: My client has been trying to lodge his Enduring Power of Attorney ( EPOA ) from XXXX to enable him to operate his wife 's XXXX Bank Account with Wells Fargo. His wife has XXXX XXXX and is unable to operate this account. After making a complaint through yourselves in XXXX 2015 ( Case Number XXXX ) Wells Fargo advised that the EPOA had been accepted, however when the second Attorney attended branches in both XXXX XXXX and XXXX, she was told that the EPOA does not comply with their rules and in fact they would need the original XXXX document ( which they have ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Debt collection (I do not know) with GMA Investments, LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Summitt receivables calling daily to " settle a debt '' but will not disclose who debt is for, nor will not stop calling after repeated written requests. Summit is a collector for payday loans, I have never taken XXXX. Summit refuses to verify the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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 have a reposssion on my credit file and I asked them to send me all documents validating the account is actually mine. They failed to do so!!!

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