milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My wife and I never signed or agreed to authorize XXXX XXXX XXXX XXXX, Wells Fargo or anyone else to deduct any money from our checking account for supplemental health insurance being sold as XXXX XXXX XXXX Plan Coverage through Wells Fargo bank. 

I contacted a XXXX XXXX XXXX representative by phone. The representative told me that the XXXX XXXX XXXX Plan Coverage listed my birthday as XX/XX/XXXX. This is in correct. My birthday is XX/XX/XXXX. 

In addition, since XXXX when the policy was issued, it was never used. In other words, no health-care claims were filed against the policy. 

This is what I was told by XXXX XXXX XXXX XXXX. 

Ive had many medical bills since XXXX. But there have never been any claims filed against this health-care supplement coverage by my wife or myself. 

We also had two insurance policies during this time. One from  my wife 's work at the XXXX XXXX XXXX XXXX and the other, up until XXXX, from my job as a newspaper reporter. 

We both have my wife 's health insurance policy and I am enrolled in XXXX. 

I have unsuccessfully tried to get proof from Wells Fargo that my wife or I authorized XXXX XXXX XXXX XXXX or Wells Fargo to deduct {$24.00} every month for this plan coverage since XXXX. 

XXXX XXXX XXXX told me to check with Wells Fargo to get that authorization. Wells Fargo said to check with XXXX XXXX XXXX. 

I thought this expense on my Wells Fargo account was for my wife 's federal union dues. 

I am sure other Wells Fargo customers were also illegally enrolled in the Wells Fargo and XXXX XXXX XXXX XXXX  without their consent.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Credit ( security ) freeze + thaw should be free, mandated by law for every US citizen. 

The recent XXXX breach is a perfect example of why credit freezing and thawing should be free, it 's appalling that credit bureaus can charge for such services when their own incompetency is what caused these actions to be required for consumer protection. 

Luckily I live in NC where I do receive a free freeze, but everyone in the country should have the right to unlimited free freeze/thaws.

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 02/20/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX I received a letter from Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX which said that our home equity loan was being changed from interest only to interest and principal. Nowhere in the letter did it say what the amount of our new payment would be. For about 60 months we have been paying interest and some toward principal. The new payment was to begin on XX/XX/XXXX. XX/XX/XXXX & XX/XX/XXXX I called SLS and the person that I talked to had no idea what I was talking about. So, on XX/XX/XXXX I called again and again the person I talked to said he was n't aware of what I was talking about so I asked him what my minimum payment would be for XX/XX/XXXX and he said {$64.00} and change which is just the interest on the loan. Both XX/XX/XXXX and XX/XX/XXXX we sent in payments, on time in the amount of interest plus some toward principal. We made our XX/XX/XXXX payment on XX/XX/XXXX and on XX/XX/XXXX we received a default notice and notice of intent to foreclose on the property. The letter said that we needed to pay {$1300.00} by XX/XX/XXXX to bring the account up to date or they would start foreclosure proceedings. Again, there was no mention of what our new monthly payment should be. SLS is holding the funds until the total equals a full payment which I found out is {$450.00} per month. If XXXX would have told me what my new payment was in XX/XX/XXXX or XX/XX/XXXX I would have paid it. We are in the process of trying to refinance our home and SLS is considering those payment sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as late payments. which will disqualify us from obtaining a refi. I think the way they do business is suspect and they deceive their customers and lie to them such as in this case because I think that is just what they did because any reputable company would have that info in their computers so their reps could convey that info the the customer on request. I mean, if a letter comes out in early XX/XX/XXXX and it is not in their computer in XX/XX/XXXX there is something seriously wrong. What I want is for those three months to be not listed as late so we can proceed with our refi and get rid of this lousy company.

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 10/14/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Problems caused by my funds being low

Complaint: I have XXXX different accounts with Citizens Bank and I transfer money daily into my other account because my other debit card got compromised and had to wait to get a new XXXX, so I had XXXX $ to pay my XXXX cell phone in the account but in the process if I had to pump gas or pay anything else I immediately would transfer the money but I still got hit with a XXXX $ overdraft fee for an check that came through for XXXX $ which was my daughters school pictures which I did forget about because that check I gave to the school in XXXX and they just cashed it on the XXXX of this month and the bank does n't want to help me reverse the overdraft fees. Can you please help me resolve this issue seeing I am XXXX with XXXX children under XXXX. I do n't think it 's fair what they 're doing. I have a savings account also with XXXX $ in it I constantly transfer which they see but wo n't help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-05-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Sir, I am writing to report that I feel I am getting bamboozled by SLS. I filed a complaint with CFPB on XXXX/XXXX/2016 Case # XXXX. I complained that SLS has overcharged me for the amount of {$1800.00}. The same day XXXX/XXXX/2016 after I filed a complaint SLS executive office called me and they told me that they have reversed attorney fee amount of {$1300.00} and for my XXXX mortgage payment I only owe {$310.00} which I paid on the phone. They told me that the remaining balance of {$460.00} will be investigated. According to the response to CFPB they counted {$34.00} and {$21.00} for fee charges leave a balance of unaccountable fees by pervious servicer of {$400.00}. Please explain if this amount is a fee then why this amount was applied as credit to my principle balance. If this is a financial statue regulations please let me know which one and site the number, so I can stop this investigation. I have called every week and spent countless hours on the phone and every time they open a ticket and no action have taken place. They keep telling me I am in a loan modification process which is not true. My loan was reinstated in XXXX of 2016 and I am not in any loan modification process.

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 Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Before leaving for an XXXX assignment I filled out a deferment for my student loan so for 12 months I was not making payments only to find out when I returned I have had missed payments for extensive periods of time. I submitted my XXXX orders over to the service in the hope to get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have been a customer with Care Credit for approximately 10 years. From da y 1,  I had  XXXX  cards. I have never missed a payment on either card and used both cards regularly. I also have a stellar credit history with no negative information and am using about 10 % of my available credit. So much to my surprise on Friday  (   XXXX / XXXX / 17   ),  I get a letter that they closed my account with no notice because I had  XXXX  cards and that it had nothing to do with my credit. As stated earlier I 've had  XXXX  cards for 10 years and have asked them on numerous occasions to combine the lines into  XXXX  card. To make matters worse they closed the card with the higher limit and the lower interest rate. They say that the account disclosures say they can close my account because I have more than  XXXX  account. I say by not taking that action in a reasonable amount of time they waived their right to do so now. Secondly, t he manager I got  on the phone said that the reason they chose to close my account was because they no longer wanted to honor the interest rate, which I do not believe is a permissibly purpose which is why they are trying to hide behind the  XXXX  card clause. Th e manager did say that he would escalate my complaint to the corporate office and I should hear from them within 48 hours. In my opinion, this could have been handled much better and to the satisfaction of both parties but their dis regard for my consumer protections has caused me damages.

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 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Real Time Resolutions, Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: ORIGINAL LOAN was through XXXX XXXX XXXX when I was married to my former wife. I left the house to her. I never received any documentation that the home was being foreclosed on nor received any letter about a second mortgage. My account was later closed with XXXXXXXX XXXX XXXX and then REALTIME RESOLUTIONS took over the balance. My credit report still shows owing $ $ for both companies and although they are all labeled as closed, REALTIME RESOLUTIONS keeps adding money on what I supposedly owe. There is no date of last payment and both accounts are 11 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I opened an account with Chase in XXXX. I made charges to the card. On XXXX/XXXX/XXXX I checked my balance and found out that the card was closed. I called the bank to find out what happened, why the card was closed after 3 months. They said they did a periodic check on my credit and decided to revoke the card. Now, since I had opened the account, my overall credit card balances has gone down and my credit score up. Now that they closed the card without warning, my credit took a 14 point hit. They wo n't elaborate on what changed and they are refusing to make it right with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: SWOME ONE BREAK IN XXXX HOUSE I DID REPORT POLICE EVERYTHING IS XXXX XXXX XXXX AND COMPUTER AND CHECKING STOLE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Consumer Loan (Installment loan) with Bliksum, LLC (CA).
Issue: Managing the loan or lease

Complaint: The following company known as " Loan Me '' has be utilizing deceptive loan practices in effort to register and sign up clients. My husband and I each applied for a loan with this organization as we were advised that by taking out the loan it would be reported to all XXXX major credit bureaus. After several months of making our payments on time when we pulled out credit reports we learned that Loan Me was no where to be found. When my husband and I called to discuss the issue, we were advised by a separate representative that Loan Me only reports to XXXX. We XXXX complained advising that was not what we were told when we signed up and that we each had the intent on fighting them for deceptive practices. In return the representative on the phone advised it did not matter if we reported them as they did not have to adhere to Federal Banking Laws and that my husband and I had no choice but to continue to pay the loan. This is negligence as even in the contract listed is states the agency will report the the " bureaus '' not " bureau '' or even lists the bureau in which they plan to report too. During the signup process my husband and I were mislead into thinking we could use this service as a way to rebuild our credit and now are refusing to repay back this loan until this matter is investigated further for the gross negligence and misleading products and services being offered.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Checking or savings account (Other banking product or service) with MUFG UNION BANK, NATIONAL ASSOCIATION (NV).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I have an IRA  Annuity  statement from   XXXX  , with Union Bank in  XXXX   XXXX  CA. The statement gives  Union  Bank Fe d Tax  ID #  XXXX . It is a  Fixed Rate IR A wit h Maturity Date   XXXX . Earliest distribution date without penalty is  XXXX . The required disbursement date is  XXXX .     The beginning balance from  XXXX  was {$2900.00}. The ending balance as of  XXXX  was {$2900.00}. No withholdings are showing.     Approxima tely two wee ks ago from today, around  XXXX , I called their customer service and spoke with the IRA department. They had no information and told me to call back to their  Investments Group  at #  XXXX . Th e Investments Group to ld me to back to the IRA department.     So I called back the IRA department at the same number ( different extension ), and they asked me to call FDIC at  XXXX . FDIC told me to call t he Office of the  Comptroller of the Currency at  XXXX .     Th e OCC the n told me to call you, CFPB, at  XXXX . This is why I am writing to you now.

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 10-05-2016 about Debt collection (Medical) with Metro Republic Commercial Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: METRO PUBLIC COMM SVCS has been littering my credit report with fraudulent claims of owing a debt. I 've instructed them I was the victim of identity theft & they continue to report unverified/unvalidated accounts or claim these are new accounts, reaging are violations of the FDCPA & FCRA. I would like all references of METRO PUBLIC COMM SVCS removed from all my credit reports ( yes plural ) immediately. I 'm attaching the police report again. If these accounts are not removed STAT i will be seeking legal representation for violations of the FDCPA & FCRA and seeking damages for intentional infliction of emotional & financial stress ...

Company response to consumer: Closed
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the three credit Bureaus, ( XXXX, XXXX, Experian ) I contact XXXX XXXX but they could not trace any information. neither they would able to help me the issue please refer to credit report attach

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 09/22/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed the following accounts with Equifax. 
XXXX XXXX XXXX- XXXX I have disputed this information multiple times to Equifax. They keep saying they verified information with the following companies. These companies have stated they do not have validation to the Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
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: On XX/XX/XXXX, I bought a XXXX XXXX XXXX XXXX and financed it through Bank of America. In XX/XX/XXXX, I checked my credit score and noticed Bank of America had reported two late payments ( XXXX and XX/XX/XXXX ). I contacted them in XXXX of XX/XX/XXXXto dispute these false statements and nothing was done. The faxes were sent over on XX/XX/XXXX with bank statements proving the payments were paid on time and were not late. 

On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX, which is where I was trying to obtain a home loan and was advised due to the late payments reported by Bank of America I could not go forward. I then again contacted Bank of America and XXXX to dispute these false statements. Nothing was done. In XXXX, I finally spoke to a supervisor by the name of XXXX and was advised she would try and figure out what happened and get back to me. On XXXX XXXX I was advised the payments were still late because in XXXX of XX/XX/XXXXI supposedly called and asked for the additional monies that were sent in be applied to principle and with XX/XX/XXXX payment being only {$170.00}, which was what was due at the time the payment was now considered late. XX/XX/XXXX has nothing to do with XXXX of XX/XX/XXXXpayments whatsoever. On XX/XX/XXXX I was advised Bank of America is closing out there case and nothing is going to change.I have attached the bank statements showing were I was not late in XXXX and XXXX of XXXX. 

Furthermore, I paid the auto loan in full in XXXX of XXXX and do not have access to the loan history due to account now being closed. Please please help me! I have documents to prove the payments were not late whatsoever.

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 04/27/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Problems caused by my funds being low

Complaint: Tuesday XXXX XXXX 2016, I noticed that my Chase checking overdraft protection deposited {$1800.00} into my checking account to cover an overdraft. However, there was no overdraft that occurred from my records or from Chase. The amount showed as 'Pending. ' I contacted chase at XXXX EDT on Tuesday XXXX/XXXX/2016 to ask why this happened, but the ( male ) Chase representative could not explain why. He stated that I should repay the {$1800.00} back to the credit card ( Chase XXXX ) and everything should be fine. He stated that I need to do this before the end of the day ( Tuesday ). As instructed, I made the payment from my checking ( account XXXX ) to my Chase credit card that night for the amount of {$1800.00}. Wednesday morning ( XXXX/XXXX/2016 ) my account showed an new overdraft because of the payment I made to the credit card. However, the funds ( {$1800.00} ) that were originally showing as 'pending ' were no longer in my account and a new credit card over draft amount was transferred for ~ {$1500.00} ( to cover the NEW overdraft ... according to Chase ). My checking account now has a XXXX dollar balance and I no longer have any money in my account. I 've talked to at least XXXX different Chase employees, from different departments, each coming up with their own explanation of what occurred. Eventually, I was told that I would have to wait for the {$1800.00} credit card payment to post and then have it reversed which will then take an additional 3-5 business days after I call back, yet again to explain the situation to yet another Chase rep. This is a complete breakdown of communication on Chase 's part and lack of ownership for what one incompetent Chase employee told me to do. My family and I have been trying to stretch the mere {$300.00} in my checking until next pay day. I keep getting the same answer from Chase : " I 'm sorry, but there 's nothing we can do. '' I mentioned to them that my phone call was recorded with the original rep and that they should take ownership for their mistake. I had one employee ( XXXX XXXX ) tell me that I should start using a paper register to keep track of my records ( i.e. placing blame on me for the issue ). So far, I have not heard anything back from anyone within Chase and I 've wasted hours today on the phone re-explaining the problem, but ultimately, it has gone no where. I want my cash back in my account and I want them to rectify this properly. I will also be looking into what can be done from a legal point of view. I need help.

Company response to consumer: Closed with monetary relief