milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: XX/XX/XXXXI attempted to send money from my account to XXXX. 
They denied me and prevented me from sending my money to another legal company doing legal business in the US. 

It is my legal right to do this and they prevented me from doing so. 

I would like your assistance in helping remedy this prevention of my legal rights. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Checking or savings account (CD (Certificate of Deposit)) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: RE : Mothers bank account I am a senior citizen looking for help. My mother XXXX  in XXXX. In XXXX I went to US Band and told them that my mother had XXXX. I showed them her XXXX certificate. Ever since then I have not received any mail from this bank for my mother. I have been to the US Bank on XXXX XXXX, XXXX and inquired as to what has happened to my mothers bank account and they tell me that they do not have any record of her.
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I know that they have a record of her as she had a safe deposit box which I closed out. I have the bank account number but they refuse to tell me what they have done to her money.
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What can I do? I am entitled to my mothers bank account as I am her only heir and my name was on her bank account.
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Sincerely, XXXX XXXX ( XXXX ) XXXX

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 Debt collection (Credit card debt) with Johnson Mark LLC (UT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I received court documents this morning as a result of a credit card debt with XXXX XXXX XXXX. The amount that is listed on the court documents is about {$400.00} higher than my last statement with XXXX XXXX, which puts the amount over the {$3000.00} mark. I assume this was done to cross the threshold of justifying legal action. I informed XXXX XXXX several months ago that I am getting paperwork completed with a debt consolidation company. In that conversation I asked for the contact information of where to send the paperwork to but I was told someone would contact me, in which they never did. 

This morning the papers were delivered by a very rude gentleman who proceeded to yell at my wife, as I was not home and then threw the papers on my front porch. I called the company who employees this man and was told by the owner of XXXX XXXX XXXX, XXXX, that they did not violate any collection laws and he encouraged me to submit a complaint with the CFPB and FTC because he knows that have n't done anything wrong. I cited that his employee had used intimidation tactics to communicate the debt with my wife and trespassed on my property, he then responded with, " do you have a no trespassing sign up ''. 

My debt should be no higher than {$2900.00} with XXXX XXXX XXXX and I am willing to work with them to pay off the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold account back in XXXX 2016 with a promotional offer of XXXX XXXX if I meet certain requirements. I met all requirements in XXXX 2016 and emailed Citi to confirm my eligibility and that I have met all requirements. A Citi representative replied to confirm everything and said I would receive XXXX XXXX in XXXX 2016. In early XXXX 2016, I called Citi again to ask where the miles were. They opened an investigation to verify my eligibility and promised to have an answer in 5 business days. I made XXXX additional calls to Citi after that in XXXX 2016 to follow up since I still have n't received the miles or a decision from Citi. I was told that they were still researching the issue and would let me know soon. During this time, I 've been charged XXXX monthly service fee already. I got so tired of this and I did n't know why they still needed to verify something that was already confirmed by them in the past. I do n't know much longer it would take, so I 'd much appreciate your assistance regarding 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 monetary relief
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone has been opening credit cards in my name.  XXXX  company,  XXXX    XXXX    also known as  XXXX  even settled with me over allowing someone to fraudulently open accounts in my name. I have sent that settlement paperwork and police reports to Equifax, yet they refuse to remove the   XXXX   account. Additionally,  XXXX  authorized the removal of this account and they refuse to comply. Furthermore, additional account such as  XXXX  and  XXXX  have been opened in my name and they refuse to repsond to the submitted police report by removing the accounts. Finally, in the last  two  years I have n't authorized anyone to check my credit c=and they are constantly reporting people checking my credit even though my file contains an extended fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: A while ago I disputed a collection account that appeared from XXXX  ( XXXX XXXX XXXX ) for a debt that was originally from XXXX XXXX. I disputed on the bases on NO Contract, No Validation and it was removed from my report with XXXX, XXXX and Experian credit bureaus. Over the last week XX/XX/XXXX-XX/XX/XXXX it reappeared on all 3 bureaus again, with no notice or warning. Basically, this alleged debt was removed over a year ago after it was disputed, and then re-added within the last week. No notice from either credit bureau ( XXXX, XXXX or Experian ). I called all bureaus and asked that it be removed based on the the fact that it was removed after a previous dispute yielded No Contract or No Validation. I was told that it would not be removed but re disputed and would take up to 30 ( MORE ) days. Meanwhile this Inaccurate, Unverified, Non-Validated, No Contract alleged debt has done significant damage to my personal credit report and credit scores.
Either removed from all 3 credit reporting bureaus ( not able to re-add ) or Legal action filed against all parties involved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was under a mortgage Modification with Wells Fargo. I follow the payment plan and all payments were made on time. Wells Fargo reported my payment as 60 days late to all credit bureaus. I called Wells Fargo about the error and they refused to correct it. I disputed the reporting to the credit bureaus and they reported that Wells Fargo refused to correct this error. In XXXX XXXX I received a letter from Wells Fargo stating they found this error. This error caused my refi with XXXX XXXX XXXX to be declined. 
This cost me thousands of dollars in higher interest. Wells Fargo did this to keep my loan with their 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 09-10-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I opened an account with Chase Bank on XXXX XXXX, XXXX. I set up direct deposit with my employer, the City of XXXX XXXX, the week of XXXX XXXX. Because of the processing time involved with switching direct deposit accounts, I received a paper paycheck on XXXX XXXX. 

I went to Chase Bank on XXXX XXXX to deposit the check. The teller informed me that the check would be held, but that he could not tell me how long the check would be held for until it was deposited. Thinking that the delay would be at most, two or three days, I deposited the check. 

After I depositing the check, I was told that it would be held until XXXX XXXX. Obviously, holding my paycheck for over a week was both unusual and highly inconvenient for me. I called the customer service line the following day, and I was told that due to the check not verifying, my account had been " restricted ''. 

The representative tried calling my employer to verify that the check had been issued, but could not reach them. When I asked why the check was held in the first place, I was told that it was because my account was new. 

I called again and the representative I spoke to tried to call the issuing bank. I was then told that the issuing bank would not verify that the check would clear over the phone. Because of this, I was told that the check must be held until XXXX XXXX and that I had no recourse, even if my employer verified the check was issued. I was told that the check was held not because it was a new account, but because it could not be verified through the process used for all checks. 

I explained to the representative that the check in question was my paycheck, and that holding it for over a week would make it difficult for me to pay bills I had due, and asked if there was anything I could do to remedy the situation. I was told explicitly that I could n't do anything except wait until the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with One Technologies, LP (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: XX/XX/XXXX - Signed up to receive my credit information from XXXX with the offering of a {$1.00} credit score. Absolutely NO other obvious information informing me of additional charges or membership fees. 

XX/XX/XXXX - I realized that I had two charges on my credit card for the past two months for a {$39.00} monthly XXXX membership. I called the company to cancel my membership and receive a refund for the {$79.00} charged to me. The customer service representative on the phone assured me that my membership would be cancelled and that she would submit my request for a refund. She then proceeded to offer me a number of different options for continuing my membership with XXXX including discounted membership fees, additional services, etc. I refused all of the offerings and insisted that I only wanted to cancel my membership and receive my refund. The CS representative then told me that I could keep my account active for the remainder of the month at no charge but DID NOT inform me that I would have to call back at the end of the billing period to confirm the cancellation of my membership. She made it seem as though everything would be taken care of, I would not be charged further, and that as a concession I would be able to access their site for the remainder of the month. However, this was their way of keeping me on the hook and using deceptive means to keep me paying. 

XX/XX/XXXX - I receive an email from XXXX saying that my refund was not approved because it was outside the billing period. Even though the CS rep told me that I could have it refunded. 

XX/XX/XXXX - I check my credit card statement and realize that I have been charged every month of XX/XX/XXXX for the {$39.00} monthly XXXX membership even though I called and cancelled my account. 

- I then submit multiple requests demanding that I be refunded for all previous months that I was deceptively charged for services I did not agree to pay for and DID NOT USE. 

- I received a refund for 2 of the 7 months that I was incorrectly charged, but I received a denial of refund for the remainder of the months claiming that it was " outside the billing period ''. 


Total Amount Illegitimately Charged = {$270.00} Total Amount Refunded To Date = {$79.00} Total Outstanding Refund Due = {$190.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Loan servicing, payments, escrow account

Complaint: This relates to case # XXXX. Bank of America escrows the money for homeowners insurance on my property in XXXX, NJ. I filed the first complaint when BoA refused to pay the invoice to renew the policy. They finally did so, several months late. This resulted in a gap in coverage, for which they billed _me_. They deducted {$99.00} from my escrow account on XXXX/XXXX/2016 to pay for ( retroactive ) insurance covering the gap when Bank of America failed to renew the policy. They did this despite sending me two letters that said I would not be charged because BoA was responsible for the insurance payment, and multiple verbal assurances from various BoA representatives that the matter was closed. They have not responded substantively to my voicemails ( for XXXX, a supervisor in the Insurance Department ) or customer service messages requesting a refund. This is a blatant example of a big institution abusing a customer, and refusing to engage to correct the error.

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 04/16/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was purchased by Ocwen in XX/XX/XXXX during a Short sell. Ocwen was taking so long to agree to the terms the buyer changed her mind. We had other buyers but no agreement was ever made. It is now XX/XX/XXXX and since then my property has been vandalized and all of the plumbing was stolen. I have asked them to foreclose or allow us to give the home in Lieu of foreclosure. Ocwen had declined both. I just want closure I have tried to short sell the home but unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (PA).
Issue: Making/receiving payments, sending money

Complaint: Wells Fargo Bank has been taking out of my XXXX XXXX XXXX XXXX account {$57.00} on the XXXX ( XXXX ) Monday of each month. I do not know how long this has been going on, I discovered the deduction in XXXX of this year when my father reviewed my accounts and brought it to my attention. I DO NOT KNOW WHAT THIS DEDUCTION IS FOR OR WHO AUTHORIZED THE DEDUCTION. I have tried making contact with Wells Fargo Bank to find out about this deduction, they say they have no knowledge of the deduction, and refuse to cooperate in any way to find out what it is. I have not opened any Wells Fargo accounts or made purchases were Wells Fargo is involved to the best of my knowledge. I would like this deduction identified, if it is a legitimate deduction, XXXX that I am responsible for, I will assume it, however, will someone please tell me why Wells Fargo is taking this money out of my bank account each month and can not tell me why they are doing so. XXXX XXXX XXXX XXXX provided these numbers : ACH Item XXXX and Trace Number XXXX.

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 03/16/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I have owned our two unit home for 20 years. We refinanced our loan in 2005 and now it is held by Wells Fargo. Our problem is with Wells Fargo. They are sending out paperwork that is false that states they have tried to work with us and help save our house but that is not true. We have tried to fix our problem with them but they have never given us the time of day, have never looked at our situation, and are pushing us into foreclosure. 

We have had no problems making the payments on our mortgage for 11 years. This property is home to myself and my wife, as well as my son and his family which includes XXXX children. My wife and I are retired and on fixed income, and my son is responsible to make the mortgage payment each month. Last year my wife and I took a trip to XXXX and ended up staying for a few months longer than planned to have some medical treatments. While we were gone, our son missed several mortgage payments. We did not know about this until we returned. Once we found out we began trying to see how we could fix this. Wells Fargo would not let us make a single mortgage payment, they told us we had to pay the full late amount. So we tried to see if they would consider us for a loan modification. But we have made no progress with Wells Fargo. They will not assign someone to our case, they will not talk about options or open any kind of review for programs that would help us. They also sent out a letter signed by XXXX XXXX who says she is the VP of Loan Documentation where they claim they tried to contact us to discuss things we could do to save our home but could not do so because they could not reach us. This is false. They did not TRY to reach us. Instead of working with us to fix the problem they are marching us to foreclosure. 

We have paid on our loan for 11 years with 7 % interest and Wells Fargo has collected lots of money from our family. Why will this bank refuse to work with us and consider us for any of the modification programs? This is home to XXXX people, we want to save our house.

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 09-06-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Closing on a mortgage

Complaint: This company allows loans to be modified without all borrowers knowledge. The deed was swindled out of one owner and the company changed the terms per the deed but wont release the other party who had no knowledge of changes from financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: APR or interest rate

Complaint: I contacted Chase Bank a few months back to understand how they apply payments, I was told then that that payments are applied to the highest interest balance. Today XXXX/XXXX/16 I was reviewing my statements for the last few months and noticed that this has not been the case so I called Chase again. 
I spoke to a XXXX in their XXXX XXXX TX call center who told me again that payments are in fact credited to the balance with the highest interest rate.. When I told her that based on the information on my statement this was not the case so she then told me that any payment I make first is credited to my oldest promotion balance and the remaining funds to my balance with the highest interest rate. 

this again proved to be wrong based on what I have on my monthly statement. 
XXXX had me on the phone for over 45 minutes and finally transferred me to her supervisor XXXX who also could not answer my question. By then I was on the phone for an hour asking that someone tell me the breakdown of how my payments have been applied but neither XXXX or her supervisor could figure this out looking at various screens on their computer. My question is if Chase employees ca n't figure this out how an average consumer could ever be able to see where their money is being applied to. I asked XXXX to formally log my complaint as I was expecting someone at Chase could get the answer to may question and call me back but I was told that she will log the complaint but that no one at Chase would call me back as they do n't reply to the complaints filed-this just makes no sense-why log a complaint if you are not going to do anything about it. 
I now feel that Chase has been taking my money and applying the payments any way they choose -probably to my lower interest balance so that they can maximize their interest income while causing me, the consumer to overpay interest Their statements are certainly not consumer friendly to allow me in seeing how every dollar I pay is being applied. I have no faith in Chase and their customer service and want to understand as minimizing my interest costs is critical to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX, and TransUnion continues to report a repossession which is not associated with me, despite repeated disputes with both the CRAs and the creditor.

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 09/18/2017 about Debt collection (Payday loan debt) with Retention Consulting Services Inc. (IL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Myself ( via cell and work # ), my brother, my uncle, and my ex-boyfriend were all contacted on the same day from the " prelegal '' department of the XXXX ( XXXX XXXX XXXX ). None of these people are my " references '' on any debt that I have. All of us were left with messages stating that he was calling from the " prelegal depeartment of XXXX '' and that there were " two allegations pending against your name and SS # that has been redflagged. Also we do need a statement back from XXX about these legal documents. '' When I called the #, I spoke to a different person who indicated that they were calling in an attempt to collect a debt from XXXX ( a predatory, unlicensed payday lender in the state of IL ). XXXX provided me with an {$800.00} loan, changed the agreed upon APR ( to 390 % ) without my consent, and when I contacted them to resolve the matter, the " relationship '' consultant was never " available ''. I spoke to an attorney who sent them a cease and desist letter on my behalf AFTER I paid the original principal back on the loan. This company, XXXX, had no permission to contact any of the people they contacted, and they disclosed information that breaks the FDCPA by claiming I owe amounts that I do n't owe and claiming that they have " legal '' documents. They also indicated that they had sent me notices via USPS on two occasions and then certified mail on a third occasion, and this absolutely did not occur!

Company response to consumer: Untimely response