milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On Tuesday, XXXX XXXX, XXXX I received a direct deposit of {$280.00} to my checking account. For 6 weeks prior to the XXXX, XXXX XXXX deposit the amount was sent to the active checking account without incident. For some reason the XXXX, XXXX deposit was made into a closed checking account whereby Chase bank then proceeded to first, return the deposit and second, close the account. 

I had no idea what had taken place and only discovered this action by Chase only AFTER I incurred overdraft fees on the open checking account. I contacted Chase about the matter and they stated the error stemmed from the sender of the direct deposit and that they returned the funds on XXXX, XXXX XXXX. This was not the case as the {$280.00} was sent back on XXXX, XXXX and the sender had no record of the money being delivered back to them. 

Chase waived the overdraft fees incurred during that period. I checked back with the sender and up to XXXX XXXX they had n't received the money. Despite this fact Chase ONCE AGAIN issued overdraft fees on my checking account totaling {$64.00} on XXXX XXXX, XXXX. 

I think it is OUTRAGEOUS that Chase is charging me overdraft fees on an account where their actions are the direct cause for there being insufficient funds. When I contacted Chase about removing the {$64.00} in overdraft fees they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/13/2017 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Nationwide Recovery Service has debt reflecting on my XXXX credit report that I was told is a medical bill. I was never contacted in reference to nor do I know what this debt is for.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: This is a new complaint filed on behalf of a previously filed claim which is still unresolved. ( Case # XXXX ) In short we attempted to refinance with Wells Fargo back in XXXX of 2013. We were given a " good faith '' estimate of 45 days once we signed on and our rate was locked. Fast forward to 120 days and it still had n't been completed with no end in sight. The finishing point was repeatedly changed throughout the process and we were given false hope such as telling us the refinance would be ready to be signed and finished on a certain day. Then that day would come to pass without hearing a peep from them. In the time that was wasted by Wells Fargo we had lost 3 months of savings from our attempted refinance from their original " good faith '' estimate. In the previous complaint in their initial response Wells Fargo claimed that they did a " thorough search '' and the refinance was " appropriately handled '' and that they would look further into the matter if I provided them with additional information such as a social security number or the names of the people we worked with. I spoke with them by phone prior to their initial response and I find their claim of doing a " thorough search '' comical considering they could have asked me for the additional information before coming to their conclusion. Since I provided them with the additional information they requested it has been about 2 months. I have received I believe XXXX letters of delay and it does n't seem like they are interested in doing their due diligence on this matter. Just the same as they did with our attempted refinance.

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 07-01-2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The XXXX XXXX XXXX is reporting I have late payments on the dates of XX/XX/XXXX and XX/XX/XXXX. I have not been late on the dates above.

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 05/20/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Rewards

Complaint: I received an e-mail from PayPal on XX/XX/2014 offering a {$50.00} statement credit for opening a PayPal Extras MasterCard account and making {$100.00} in purchases by XXXX XXXX, 2014. I complied with all of the terms, but still do not have the {$50.00} credit. I 've called them several times, but they always say " next month. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/29/2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (MO).
Issue: Problem with the payoff process at the end of the loan

Complaint: XX/XX/XXXX. I was contacted by title max about my payments. I am behind XXXX payments on my loan due to my XXXX leave. I talked to XXXX on XX/XX/XXXX and was told come in I have the refinance option. I came in on XX/XX/XXXX to do the refinance and found out I needed to pay the past due amount of XXXX and bring the vehicle to refinance. I told them I should have been told this on the phone and I did n't have the funds I get paid the following week. They asked if I could borrow I said no and I was rudely walked to the door. Monday XX/XX/XXXX XXXX called and asked when I could pay. I told her again I thought I could refinance. She said you can but how do I know your going to pay going forward. I explained why I was behind and explained I came to the store with full intention to bring my loan current. She replied with a smart remark and I stated she was making me angry and that I 'm trying to be respectful. She stated oh I am making you upset. I said yes and she said I 'm messing with her money loudly in my ear I explained I owe XXXX XXXX and she said I 'm messing with her money. I ended the call. I feel like Im being harrassed even after making attempt to get current. I was given misinformation which is why I 'm still past due. I do n't appreciate the girl speaking to me the way she did when they messed up. I told them my pay date and even tried to ensure I would be in my next off day. I just wanted to refinance and get current. They threaten to take my car but are hardly helping me. This is the XXXX XXXX in XXXX XXXX  Missouri located on XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Debt collection (I do not know) with Paramount Recovery Systems, L.P. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I initiated a dispute with XXXX in late XX/XX/XXXX pertaining to a collection account that had been placed on my credit report from the collection company Paramount Recovery. Paramount Recovery placed a collection account on my XXXX credit report amounting to {$82.00}. I have not been contacted via phone or mail regarding this debt, therefore I have no knowledge of this account. Upon finalizing the initial dispute, XXXX responded with a copy of my credit report stating that the account in question were verified by the creditor. Paramount Recovery did not provide any documents or evidence to verify the account, but instead XXXX kept the account on my report. I initiated another dispute to XXXX in XX/XX/XXXX asking again for proper validation of this debt, but instead of verifying the debt, XXXX   reported the debt by responding with a copy of my credit report stating that the account in question was verified by the creditor. Again, Paramount Recovery did not provide any documents or evidence to verify the account, but instead kept the account on my report. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX credit report or provide me with physical proof, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (I do not know) with ATG Credit, LLC (SC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Collection Account remain on credit bureau report after 50 day processing dispute reviewed by FDCPA along with Collection Letters submitted in violation FDCPA violations Remove from all XXXX credit reporting agency debt collection inaccurate disclosure and verification delete all collection from all XXXX credit bureau agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing disputes

Complaint: See letters dated XXXX XXXX, 2015 and XXXX 2015. Initial complaint no. XXXX. This is unresolved. No other communication received from CFPB or Capital One. See statement for XXXX 2015 showing minimum payment and additional fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/24/2017 about Checking or savings account (Other banking product or service) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: Hello, Filing a complaint on this bank, harassment from then day and night. Goodmoring, this problem is with XXXX XXXX call are being rolled over from city from state of Ohio XXXX and and I have told the customer service department that I went to the bank brand manager, and customer service teller about problem call that I 'll getting at XXXX XXXX and through day even up to XXXX XXXX at night. The bank told they do not call you like that.but a call come from them.after you tell you talk to your brand it should have stop.and they would contact the department ask them to stop calling now we no the problem is someone have use my card with my permission.and my credit card .And it also need it mos fee pay of {$30.00} I want the bank in person and talk to them face to face.again I was told do not worry about it.this was brand XXXX XXXX XXXX area.yes I did take care of the matter.for the last three mos this problem start with call after call morning XXXX XXXX, XXXX, XXXX XXXX unlit XXXX clock at night all day on the weekend.I have there number,XXXX/XXXX ( XXXX XXXX  XX/XX/XXXX ( XXXX XXXX XX/XX/XXXX Now the reception on was this morning XXXX-XX/XX/XXXXXX/XX/XXXX,  at XXXX, again at XXXX, again at XXXX, The same number, from XXXX then at XXXX clock XXXX I told the operation that please stop calling me because I already talk to the bank about the matter and the bank said there is no problem with my account. She have a smart month.the are going to keep coming unlit it taking care of.night and day.7 day of week if I like it or not.I ask her do n't she try checking with the department and calling bank brand.them hang up.I also told thems I have identify theft. It is on with the bank.At this time I have no other choice but to filed this on them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: 2010 I attended an online college called XXXX college, which was suppose to be located in XXXX, Ohio, but later found out it was located in XXXX XXXX, Fl. I found out they were taking out student loans months after I had withdrawn from there. I have been accruing hundreds and hundreds of dollars over the past XXXX yrs. from these student loans that I never approved or signed for, because of the student aid advisor who was actually a student himself that was fraudulently scamming me by taking out loans without my approval and who knows how many other people who attended this fraudulent online school.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Previous deleted items were added onto my credit report without prior written notification Per FRCA Section 611. All items must be removed. 
XXXX : XXXX/XXXX/16

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 01/23/2018 about Debt collection (Medical debt) with ASSET MANAGEMENT OUTSOURCING, INC. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/2017. A request for that validation was sent to XXXX XXXX XXXX   XXXX XXXX XXXX has failed to respond to this request within the allotted 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient, The WORST lending company I have ever dealt with. I am still in school and every single semester they " ca n't find me '' in the clearing house for people attending college. Therefore I get constant and non stop harassing phone calls! 12 a day to be specific. I then have to call and go through a series of people to explain that my loan should be deferred because I am still attending school full time. EACH semester they require me to upload a new deferment form from my school. Because of this I have also been wrongfully charged of late fees and " late '' payment notices that are affecting my credit score. They also go after my Co-signers with harassing phone calls even when I am in the process of communicating with them that they are in the wrong ... I wish I had never signed a loan with this company, biggest mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: on XX/XX/XXXX a pay by phone payment was made to my account.   The payment was for more than my re occurring payment,  I pay in full.     I have never made a pay by phone payment!  ON XX/XX/XXXX.   bank of America  deposited  $ XXXX to my account. It was credited.  Than $ XXXX. was charged on XX/XX/XXXX. I have called numerous times with out resolve.  Right now on XX/XX/XXXX. I have been on hold will a rep and supervisor figure it out!  25 min!    on XX/XX/XXXX I was on hold 50 min , no resolve.   Thi was bank of America 's XXXX up on y account and they won't fix it!

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 12/14/2017 about Mortgage (Conventional home mortgage) with PROSPERITY BANCSHARES, INC. (TX).
Issue: Struggling to pay mortgage

Complaint: My husband refinanced our home & property with Prosperity Bank - it is handled out of their XXXX, Texas office. During the refinance process, I was left off the paperwork - therefore I have no responsibility or authority with any aspect of this loan. 

Three years ago, we fell into financial problems & were behind on the mortgage, but it was caught-up & has been current for over 18 months - close to 2 years. 

Based on paydays, the loan is paid on the XXXX of every month & Prosperity has been aware of this for 2 years - nothing has changed. However, there is a gentleman with the bank, XXXX XXXX, who calls ME every month - sometimes up to 3 times a day. He has my husband 's phone number as a contact & I was added as an emergency contact only. 

I can not get any information about the loan, I can not make any arrangements ( if it were necessary ), I have literally zero ability to handle any aspect of this loan or the property, because I am not on the loan. But ... every month, I will start receiving harassing phone calls about the loan. Every month, XXXX XXXX is told the same thing : the loan will be paid on or before the XXXX & do not call me again. He has been told this for at least 2 years - but he still calls & harasses me every month. 

My husband no longer lives with me & travels 100 % of the time. Again, because of the refinance, I have no authority over the loan or the property. XXXX XXXX is very aware of this because he has refused to provide me with information about the loan in the past. 

Every month I tell him to stop calling me, as this is not my loan - not my mortgage - not my account, but he never stops. Last month he called me 3 times in one day, on both my home & cell phones. He 's started the harassing again today for the XXXX payment. 

I know that the mortgage is current & all late fees are paid each month. There is no reason for this man to continue calling & harassing me every month. This is not my loan or my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Ive disputed transactions twice with Citibank. First, they denied my claim because they said they couldnt reach me, even though I left several voicemails through my relay service ( Im XXXX ). The second dispute was denied because they said the fraudulent transactions are consistent with my prior transactions. Umm, if they looked at this claim at all, they would know that Ive never used this account/debit card for ANYTHING. Every transaction on the account is fraudulent. There is no prior banking history. They obviously havent done their job. Im attaching the denial letter to this claim. It details the disputed items.

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 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: XXXX  credit reporting agency removed an account off my credit report. The account is XXXX XXXX XXXX. This account is an account that is in excellent standing I dont no why they removed it off my report. Having this account report on my credit report helps my credit worthiness.

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 10-02-2015 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (DC).
Issue: Loan modification,collection,foreclosure

Complaint: I hereby dispute the reply of SunTrust to my complaint by way of CFPB Case nUmber XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Medical) with Remex, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I never get bill from hospital after my XXXX in XXXX, because they record my address incorrectly. 
Then in XXXX I started to receive calls from Remex Collection. 
They were very abusive, rude and called me every other day. 
I asked them to provide me with the copy of the bill but they refused it. 
I called to the hospital to get bill and finally got it. 
So I called to Remex to arrange a payment plan, but they disagreed and were really rude again.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Credit card) with SACOR FINANCIAL, INC (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, OR XXXX obtained a Writ of Garnishment against my IRA account at XXXX. Even after they were provided with conclusive evidence that this asset is exempt from garnishment under Oregon law ( ORS XXXX ), they failed to release the Writ, preventing me from buying or selling securities in the IRA account, resulting in actual and potential losses as a result of their illegal garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I got this card for my wife and she was to pay the balance. She had lost her job and did not make me aware that there was a balance due on this account. Would like to have these removed from my credit report, the account is paid in full and in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I had cable service with XXXX. When I returned the equipment because I was moving, XXXX said they would send me a final bill. I never got a bill, nor did I get a call from them ( I had the same phone number as when I was a customer ). My mail was being forwarded. The first I found that XXXX expected payment from me was when my account went into collection. I immediately paid XXXX, but the Adverse Account has ruined my credit. My account should never have gone into collection because I was n't billed or contacted, and therefore it should be deleted from my credit report. TransUnion refuses to delete the entry. XXXX, the collection agency, also refuses to request the entry be deleted because there 's nothing in it for them. I 'm not their customer so they do n't care that my credit is ruined.

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