milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Problems caused by my funds being low

Complaint: Excessive overdraft fees. I am only responsible for XXXX {$35.00} fees for purchase {$150.00} XXXX and atm withdrawl for {$43.00}. I was charged fees for XXXX other old purchases from XX/XX/XXXXXX/XX/XXXX The bank charge me overdraft after I overdrew paying XXXX and atm transactions on XX/XX/XXXX. Those XXXX XXXX, XXXX and XXXX were when my account was positive. When contacted I spoke with XXXX reps and a supervisor and none was able to resolve the issue and decided it was fair to charge XXXX for transactions that were not over my balance. XXXX input a {$35.00} rebate as a courtesy and her manager indicated I was responsible for all fees. When transfer to manager the manager disconnected call. When I call back the rep and supervisor could n't help me resolve and state I was ineligible for any rebates because I had one already. which was the XXXX XXXX input 10 minutes prior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-02-2017 about Debt collection (Medical debt) with Simon’s Agency, Inc (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I would like some intervention with this company for the following reasons : # 1 I have repeatedly asked the original creditor for a breakdown of the amount allegedly owed. I never received any such breakdown. ( i.e. mileage, billable hours, gas, etc. ) # 2 This is not a refusal to pay ; this is an attempt to receive a breakdown in the billing which was requested numerous times from the collection agency and original creditor and never received. I will not pay a debt that is not adequately and legally explained to me # 3 When I call and attempt to get this information which is my right to have, I receive a hang up I will not pay a debt that I do n't owe. I will not pay a debt that is not broken down for me to understand where the debt originated from as described above. I am not refusing to pay this debt, but I will not accept a statement with the full balance ; this must be broken down into billable hours, mileage, gas, food, etc. This was the agreement between myself and the original creditor and was not delivered to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivable Management Group, Inc. (GA) (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Was living in a home that was being managed by XXXX XXXX Rental Address : XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX we complained of smelling mold in the home. they had people to come out to try to fix the problem with no success. we gave them 30 days notice informing them we could not live in the home due to smell since we had children. they tried to make us stay until they found a new tenant. due to our safety we left after 30 days of finding a home and they put this on our credit without us knowing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Fact 1. Chapter.XXXX program, XX/XX/XXXX. Paid in full XX/XX/XXXX. 
2. XXXX in additional charges with no explication, XXXX. Repeated requests. 
3. XXXX XXXX XXXX XXXX XXXX said it was a mistake when they changed invoice styles and they had allot of errors to fix. That was XXXX. 
4. Since then I have not gotten a straight answer or response. 
5. I send a form letter with my payment every month, requesting a response. 
6. I currently send my payment priority mail, because they occasionally loose my payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: XXXX just respoded to my complaint stating that they mailed all these letters yet the only verification that they have proof they mailed me anything was the .... XXXX XXXX, 2016 which is clearly shown on BOTH MAILING envelopes they have included as proof they mailed me papers the date is CLEARLY printed above the bar code ... ..they copied the same mailing proof twice trying to say it was sent different times ... .they have no other verification that they mailed me anything REGARDING A MODIFICATION because THEY NEVER DID THEY ARE THIEVES JUST LIKE XXXX AND XXXX THEY USED FALSE DOCUMENTS TO STALL AND STEAL MY HOME

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: On XX/XX/XXXX, I went to BofA XXXX XXXX, TX branch to close my safe deposit box. The banker, XXXX XXXX, took care of that. Before I left, I asked him when and how the {$25.00} deposit for the keys would be refunded since i returned both keys. XXXX XXXX told me that the deposit would be refunded automatically within a couple of days. 

However, I still have never received the refund by now. I contacted customer service ( XXXX ) twice ( once on XX/XX/XXXX, the other on XX/XX/XXXX ). The CSR either told me to wait, or asked me to contact the branch. The branch is not close, and the hours are ridiculously short ( XXXX ). During the conversation on XX/XX/XXXX, I requested the CSR to help open a case, and let the manager who is capable of handling this small issue investigate and contact me. The CSR agreed, and promised that the manager from the branch would contact me within 2 business days. 

Unfortunately, that never happens. It's XX/XX/XXXX, 9 business days after my last phone call with BofA, there has still been no contact, no apology, and no resolution for the refund. Earlier today, I sent a XXXX complaint, and some reps from BofA social media team contacted me. XXXX from that team called me, all he did were crediting me the deposit but no apology and explanation. He started arguing with me after I questioned him regarding the complaint/ How can a consumer bank handle business and customer complaint in such way? I'm looking forward to hearing some explanation from the executives of BofA.

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 02-07-2017 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have revoked authorization for calls multiple times and attempted to set up payment plan with Navient that fits my budget. They have refused to work with me and I have just ended my approximately 10th phone call where I 've told them they are not allowed to contact me via phone and/or an autodialer and they still do n't seem to get it right. They need to stop contacting me via phone and only contact me via paper mail. I have received no less than XXXX5 calls daily from Navient about a past due balance that I have tried repeatedly to rectify by alternative payment options and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MN).
Issue: Deposits and withdrawals

Complaint: Wells Fargo in XXXX MN. XXXX XXXX XXXX ) over road my signature on a refund escrow check and decided to give my ex-husband half. Which he was not entitled to by our divorce decree. Wells Fargo in XXXX XXXX then excepted the other half as a deposit and entered my account without my knowledge. XXXX XXXX is a very good friend of my ex-husband and ex-brother in-law. Either XXXX XXXX did not give the full story to her boss or she was not given the full story. They did have a way to contact me and were trying to get away with theft and forgery.

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 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NETSPEND CORPORATION (WV).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On these dates things was purchased that I was n't aware of and didnt pay for myself. I was unaware of this until I looked at my account. I thought I was loosing money but I did n't know how or where so please help me get it back.   Date :  XXXX   XXXX     2017 amount : {$75.00} Date  :  XXXX   XXXX     2017  amount : {$50.00}

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 03/30/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has not been compliant with my resent dispute against companies reporting on my profile. They are NOT MINE and need to be removed within 30 days or legal action will be sought out. They ( Experian ) refuse to show me actual proof WITH SIGNATURES. They are also re-aging the accounts so they 're never removed ; which is HIGHLY against FCRA and other laws. The debts should NOT BE RESOLD or REINSERTED back on my credit EVER AGAIN. If they CA N'T provide the requested documentation then the records should be deleted IMMEDIATELY. The following companies are on my report inaccurately with account numbers attached : XXXX ; XXXX/XXXX ; XXXX/XXXX ; XXXX/XXXX Please see to t that they provide you and I with PROPER DOCUMENTATION WITH ACTUAL SIGNATURES. Once again if they CA N'T BE PROVIDED then these items should be DELETED PERMANENTLY. 

Thank You for your help on this matter!

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 07/28/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: I have an issue with payments being issued to the account properly. On occasions representatives have keyed in incorrect account numbers as well as payment being made to Capital One directly to the branch offices and incorrect credited to the account. During several occasions I have asked for the payment investigation dept and was sent to the incorrect dept 's with rep 's out of my country while I was specifically as for someone in my own country as I have experienced issues with rep 's from outside USA have contributed to alot of these errors. On XXXX XXXX, 2015 I was to have a call scheduled to contact the institutions that were the issuer of the payments, XXXX came and passed and no one contacted so approx at XXXX I reached out to the credit card company Capital One only to be placed on an extensive hold with gaining no resolution ; I was sent to foreign countries with hold 's and disconnected. At approx XXXX I reached out to Capital One to try and get someone within the dept ; whom the day prior stated she would note and have a call back at XXXX on XXXX XXXX, 2015 which never happened at XXXX when I reached out to the executive office and spoke with XXXX whom did n't see notes of a scheduled and was very rude thus getting no help from anyone at Capital One to reach out to the branch within their own institutions or the outside bank that was involved, at this time the account remains inactive. Also I not being the primary but retains POA which is noted on the account but at times the reps state they can not find and to make matters more detailed at this time the creditor is requesting documents of the primary such as ID Social Security as well as utility, documents will be provided and I stated to the rep during the last call that documents will be provided but payments will be ceased and none will be continued until resolution is made. Please note that on a separate occasion when there was an issue with the remitting institution and I permitted and allowed a 3-way call with myself validating the account and allowing Capital One fraud department to ask any necessary questions they had.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-06-2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (OH).
Issue: Credit decision / Underwriting

Complaint: We have our Mortgage with US Bank we received an offer for a home equity loan for a fixed rate. Our rate now is 5 %. They offered XXXX for XXXX years saving us about XXXX a month. We only wanted to borrow what the payoff was on our mortgage. We gave them all the documents they asked for. We each have a XXXX credit score. This process was taking so long I called every week also have emails. Come to find out that our loan has been put in the inactive file because of the time frame. I only found this out after my XXXX or so call during this XXXX month period. I was told they need paystubs for my husband because the could not read the first set even though I took originals and the branch scanned them. If this was a problem why did the wait XXXX months to tell us. Now the offer is no longer available. I believe this happen because there was nothing for US bank to gain in fact they would be losing money. Our house appraised XXXX times higher then the amount we wanted to borrow. Also we have our mortgage with them currently and in the XXXX yrs we have had it not one time has it been late.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Our Mortgage Loan Servicing company Ditech has been illegally deducting fees that we do n't owe. We have tried since XXXX to get this issue resolved and continue to be given the run around. We have paid an additional {$44.00} each month for over a year for a home warranty. This payment has been included in our monthly mortgage payment and we have never been late nor missed a payment. Ditech took extra money from our escrow stating that they advanced payment on our behalf to the warranty company. This does not make any sense because we pay the warranty every month and there was no need for them to charge additional fees along with our regular monthly payment. Ditech has received many complaints concerning this practice. They have numerous lawsuits against them as formerly Greentree Servicing. They continue to do the same practices under the new name of Ditech. We have spent countless hours on the phone to no avail. We have never been late paying our mortgage in the 12 years we have lived in this house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: I initiated a bank wire transfer on XX/XX/XXXX. The status of my bank wire stated pending up until Tuesday evening when it stated the status of my wire was " complete ''. I 've sent several emails to Coinbase ( the company in question ) and the only response I 've received was someone saying my issue has been resolved when it certainly has not been resolved. Almost a 2 thousand dollar is transaction

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have applied for all Homeowner 's assistance programs that my lender has to offer. I previously was denied for a modification. The lender used the incorrect income amount. I am currently in escalations review and I have submitted supporting income documentation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Debt collection (Medical) with BALANCED HEALTHCARE RECEIVABLES, LLC (FL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I have received XXXX phone calls outside of the acceptable outlined time frames. XXXX aprox at XXXX the other XXXX. I receive blocked calls and identified calls. Today, Saturday i received a blocked call at XXXX blocked and XXXX unblocked. I have tried calling back numerous times and I get no one so I checked and their business hours end at XXXX. Therefore, I am also receiving calls outside business hours not affording me the option to yet again resolve my " debts '' which I previoisly explained I was working with my insurance to resolve. I feel harrassed because the calls dont stop and i cant get a human to tell them to stop calling. I get on average 2-3 phone calls every day to other day and constant voicemails with no missed calls

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: I am getting numerous calls a day from Cons. They call my work, cell and home loan. I am working with a debt consolidation company and they are refusing to work them. I have a stressful XXXX coming up and they just keeping harassing me. In XXXX hour they called XXXX times and I talked to them each time and they ask for the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Greetings, Nationstar mortgage contacted me saying that my association no longer had valid flood insurance. I checked with my association and it turns out we no longer needed flood insurance for my condo. I got the required " Standard Flood Hazard Determination '' document from my condo stating that the condo was no longer in a flood zone. I uploaded the document per Nationstar instructions and also faxed it. A month letter I got another letter. I called and they said they did get the documents but they were backed up and would fix it. I received at least XXXX more letters and called XXXX more times. Each time I was told this would be fixed quickly. Finally they took out an escrow to pay for the flood insurance I did n't need. I called and they showed that part of the insurance had been refunded but not all. Again, they said they would fix.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There hospital bills which does n't belong to me. It was my EX Husband who was under my health insurance. I have not sign anything at the hospital that I am responsible for any payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I recently looked at my credit reports and noticed that XXXX XXXX XXXX XXXX XXXX reported negative marks 30,60.90,120 days late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Payday loan () with Wakpamni Lake Community Corporation (AL).
Issue: Charged fees or interest I didn't expect

Complaint: I borrow {$350.00} and now I 'm been treated unfairly .I did n't know I woke have to pay back {$1100.00} and charging me {$780.00} in finance charges otherwise I would n't have got this loan. I honestly do n't know what to do but I desperately need help. This is a straight robbery. The name of this company is Boulevard Cash

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Consumer Loan (Installment loan) with COMMUNITY CHOICE FINANCIAL, INC. (KS).
Issue: Managing the loan or lease

Complaint: My payment is on ACH but Cash Central debits my account before I actually receive my direct deposit check and outside the agreement. So every month I have to be on the phone with their customer support. I am pro active and call them instead of waiting for them to contact me. I have tried almost every month to get the problem corrected but to no avail. Their reps do n't want to hear the problem. Cash Central should stick to the agreement of when they would debit my account, same day that I get paid, not the day before. Also, they should have reps that actually care when I am calling them, not returning a call. I was transferred 5 times tonight but that does n't concern me as much as the fact that you sit on hold in between calls because they do n't know where to transfer the call. I pressed the right # s initially to get to the correct dept. it took over 25 mins to handle this tonight. If it could be fixed without another 30 -45 mins. Thanks.

Company response to consumer: Closed with explanation