milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/23/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problems caused by my funds being low

Complaint: The Bank of America ( " Bank '' ) completely failed to notify me, an XXXX resident, of the overdrawing in issue in a timely manner but charged me an overdraft fees in the approximate amount of {$100.00} or more on or about XXXX/XXXX/15 notwithstanding the facts that the Bank had 3 or more ways to notify, promptly and before any overdraft fees, me of any such overdrawing by phone, email and mail because I provide the Bank with my cell. phone no. given as part of my profile info., my emails address given through my online banking and my address given as part of my account profile info. and that I protested to, and asked, the Bank for their waiver on or about XXXX/XXXX/15. If the Bank had given me the notifications in a timely manner, I would have corrected my overdrawing promptly enough to avoid any such overdraft fees. Therefore, I request that the Bank refund the charged overdraft fees to me and be sanctioned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2017 about Vehicle loan or lease (Loan) with TIDEWATER FINANCE COMPANY, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: To Whom It May Concern : I purchased a XXXX XXXX XXXX  from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX ) on XXXX XXXX, 2017. I was financed by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ). While financing the vehicle, this company has placed my payment on another customers account and have called and harassed me multiple times about the payment that was made even though there were notes in the account that stated that they had to put the payment on the correct account. On XXXX XXXX, 2017, I received a notice from XXXX XXXX stating that I had a change in my credit report. When I checked the report XXXX had my account with Tidewater labeled as closed-paid and on XXXX it showed the same and stated that this loan was included in my Chapter XXXX  bankruptcy. With that being said, all of my payment history was erased and my credit score plummeted. This has caused me a tremendous amount of undue stress and mental anguish. Seeing as how this company has no regard for its customers or their credit, I would like for Tidewater to take possession of the vehicle that they have written off and not hold me liable for said loan since they have destroyed my credit. I would like all correspondence to be submitted in writing and all phone calls to cease. Any correspondence should be forwarded to myself as well as the Consumer Financial Protection Bureau for their records.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On XX/XX/XXXX I called Capital One to get my balance so that I could pay off the balance in full. On XX/XX/XXXX, I paid the balance that was quoted to me on XX/XX/XXXX. When I received my statement, I had been charged interest. When I called to find out why I had been charged interest when the balance had been paid before my billing cycle date, I was advised that it could take up to two billing cycles before the interest charges would stop. We have a total of 4 accounts. We paid the balances on all 4 accounts. We have received invoices for 2 accounts that have been charged interest. I feel that the other 2 statements will also have interest charges. I was only able to list one in the field for the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am receiving claims from various debt collection agencies that I owe debts. I have received multiple debt notices from XXXX from different debt collectors. I do not understand why I am receiving repeat notices for debts I do not owe? I closed out my XXXX account years ago due to poor service. 
This complaint refers to XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I recently moved my existing student loan from myFedLoan.org to another company to get a better rate. Up until that time, I admittedly had not been paying proper attention to statements, which -due to poor design- are frustrating/confusing. In any case, based on the most recent statement, I completely paid off the debt managed through myFedLoan on XX/XX/XXXX and received a cryptic ( only one of two accounts was noted ) notice to that effect onXX/XX/XXXX. <P/>I later determined, based on statements provided by myFedLoan, that I 'd overpaid and was told by the new lender, that myFedLoan would send the difference on to my new account holder, where it would be credited to my new account. <P/>When that was n't done, I went to myFedLoan website and instead of an account with a credit or a closed account, it showed that I owed an additional $ 2k+! On XX/XX/XXXX, I called myFedLoan and talked to support and then a supervisor and was told that they 'd review my account within 10-14 days and I 've had no contact since. <P/>However, since then, I 've been looking at statements and payment records and am appalled at their record keeping and their management of my account. Statements do n't match payment records and do n't provide basic information - how the last payment was applied, for instance. <P/>In short, there are two issues that I believe need higher review : first, my account and it 's management and second, their overall management and record keeping practices.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: XXXX I had sent a direct ACH from another account that had bounced back without my knowledge being that I was out of town. A fee was triggered due to a gas post. Afterwards I had transferred {$300.00} into this business account and in the midst of my transfer being credited and another debit I was assessed another fee of {$35.00}. Then on XXXX, I was assessed an account maintenance fee. {$100.00} in fees within three business days, two of which were caused by bank glitches. 

On XXXX I checked my account balances and noticed an overdraft of {$65.00}. Upon checking my account balance, I had an account maintenance fee of {$29.00} which is supposed to be waived and a {$35.00} overdraft fee for a XXXX overdraft on a mistaken charge by XXXX. 

I have a Bank of America Business Advantage account which allows for a free account when you have Merchant Services with that account. It is expressly stated in the disclosures. I actively pay for it monthly. 

When the representative looked up my account they attempted to redefine terms regarding what an active Bank of America Merchant Account is ( A supervisor by the name of XXXX who refused to add any additional information besides her name and that she worked out of the XXXX Office ) She asked me to look at my account disclosure agreement which determines whether or not I am charged a fee and I did. XXXX said that I have to have an active Merchant Account with B of A Merchant Services, which I do, that I pay for. Which I said I do. 

She said, that it is only active if I batch within a 60 day period. None of the agreements state that, as well as I have batched several months this year and have been charged fees regardless. 

When I confronted her about this, and the abusive nature of trying to change terms that are not in writing nor agreed upon, not to mention being insulted and being told the only a first name XXXX, in XXXX with no other identifying information. I was extremely insulted. 

In the past 5 business days Bank of America has charged me {$160.00} in total bank charges based on bank glitches, maneuvering around agreed upon contracts and changing the terms with no proof or disclosure. 

I am concerned that I have been targeted by the bank for systematic fee abuse.

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 05/18/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: I had automatic payments set up from my checking account for my car leasing with Toyota financial Institution. I changed my car on XXXX XXXX, XXXX payments were pending ( XXXX XXXX and XXXX XXXX ) but as part of the agreement, my old car was paid off. Despite this agreement, and verbal notification with Toyota financial Services XXXX weeks ago, they withdrew {$300.00} from my account yesterday. 
I want my money back. 
This financial institution should be punished.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-03-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX I requested for Ocwen to remove my escrow account effective XX/XX/XXXX ( or later - XX/XX/XXXX ). They denied my request based guidelines not relevant to me, a false home value report ( their records reflect {$60000.00}. home value ) ; falsely accused that I failed to put request in 25 days before they send an escrow payment and stated that my account must be 12 months current. I advised them continuously my income dropped greatly due to XXXX since XX/XX/XXXX and I need to lower my monthly payments to avoid further fees and foreclosure by removing the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX account application XXXXspelling wrong first name " XXXX '' address apt # wrong " XXXX '' hit my fido score on my credit report XX/XX/2015 sent letter XX/XX/2015 no reply. have never applied or contacted this bank. please help me!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: This is concerning Wells Fargo. They did not open an account without my knowledge ( that I know of ) But they pressured me to open an XXXX checking and saving account. If I did not I was told my XXXX checking/saving account would have fees. With the XXXX extra accounts, I was to transfer money to the XXXX accounts once a month. then no fees. At the Wells Fargo office I was told they set it up to automatically transfer for me. They did not. My fault, that I did not notice for several months. I incurred fees on all XXXX accounts.

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 12/24/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They continue to call 20 or more times a day from XXXX different numbers. XXXX XXXX this is not the credit card company TJMAXX, there is no debt that is deliquent, but they continue to call non stop. Calls are from TJX rewards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had a case opened with Transunion here is the case number : XXXX which was resolved. I received a copy of my credit report and I verified that the XXXX account balance were updated to XXXX. I just pulled my credit report and the balance reflected right now is not XXXX, it has gone back to the old balance again. This is the original complaint " I had XXXX credit card accounts with XXXX XXXX for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XXXX and XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX XXXX has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for XXXX bank, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment. '' 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 non-monetary relief
Consumer complaint received 02/24/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I called Experian on XXXX/XXXX/XXXX to try to have them remove a Judgement off of my husband 's credit report. Because it was filed XXXX but we were never contacted about it and it is holding up a Loan we are trying to get to Refinance our Mortgage. I was told they can not take it off until XXXX/XXXX/XXXX. So I filed a dispute with them today asking again for them to remove it because We never knew anything about it and the said Plaintiff XXXX XXXX XXXX XXXX. is no where to be found. Not fair to ruin our credit when we Do not know if it is even ours.

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 07/13/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Application, originator, mortgage broker

Complaint: I am in the process of buying a new home. I had a foreclosure several years ago. My lender has requested a satisfaction letter from Chase Mortgage.I called them on XXXX XXXX and requested the document and was told it would take between 5 and 15 business days to get the letter. As of today ( XXXX ), I can not get that letter I need and now I ca n't get anyone to call me back. I already lost one house and had to eat the inspection fee and the appraisal fee because of this missing letter. I have a new house under contract and need them to provide the letter immediately. I am at their mercy right now and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Payday loan () with Big Picture Loans, LLC (OK).
Issue: Charged fees or interest I didn't expect

Complaint: I sent an email on XX/XX/2016 to Big picture Loan and stated I wanted to close and settle the account and have the ACH Debit and Credit authorization stopped effective XXXX no response for XXXX days. I sent another followup email on XX/XX/2016 and I still have n't heard anything and to contact me by email only. My account with XXXX XXXX Loans is stating that they have been attempting to contact to discuss the loan and that in order to resolve and bring the account current, please contact us immediately at XXXX. I have spoken to the customer representatives to resolve the debt and I have been met with rude and nasty reps and they are telling me a different story. I have made a a total of {$250.00} worth of payments and I still have a large outstanding balance due to the interest and fees that have incurred on the account. No representative can explain to me the details of the interest which seems to be extremely high. I have attached documentation showing the payment and emails that I have sent to them. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (I do not know) with Worldwide Processing Group, LLC (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: XXXX Forward movement recovery SCAM Threatens you and family members with arrest if you dont pay. Sometimes they say IRS sometimes they say pay day loan but it is always the same number calling. I do not owe any of these and have asked them to stop calling. They keep calling not only me but family members. They also change the amount owed and who owes it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (AZ).
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: Credit Card : XXXX XXXX XXXX. XXXX Account XXXX. 

A cosmetics company charged my credit card when I specifically told them not to. I disputed the charges, totaling roughly {$400.00} to Discover Bank. They gave me a temporary credit and notified the merchant. 1 month later, the merchant ressonded with " screen shots '' of their website ( nothing more ) and XXXX reversed the charges. The merchant provide no evidence that I gave permission to charge my card, nothing with my signature. 

On appeal, i sent XXXX evidence that this merchant was a scam and has scammed other people. They ignored me saying that " THEY ALREADY KNEW THAT ''. Really ... already knew that? Then why are n't you canceling these charges I said. They have not responded since. 

I was on the phone at the beginning with this merchant and warned them DO NOT CHARGE MY CARD. They did it anyway after they tricked me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Mortgage (Home equity loan or line of credit) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Credit decision / Underwriting

Complaint: After providing notice of intent to refinance with another institution, BBVA Compass Bank provided notice of their intent to charge my escrow account to purchase their homeowners insurance. My homeowners policy premium was paid by BBVA Compass and the policy has never been out of force. Basically, they are trying to steal my escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Both my husband and I have been receiving threatening voicemails from Portfolio Recovery. We have never received anything from them about any debt. Yet they are showing up on both our credit reports. With all the scammers I refuse to pay anyone claiming to be a debt collector. We suspect they are trying to collect on debts that were discharged in bankruptcy. With no proof of debt and threatening voicemails they are breaking debt collection laws. These calls are also past XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt collector, AFNI, has not provided verified evidentiary proof of indebtness from the original creditor, XXXX XXXX XXXX within 30 days of my original dispute submitted on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WI).
Issue: Loan servicing, payments, escrow account

Complaint: undisclosed fees from my mortgage company showed up on a statement, when I called to question them .... they said they were fees dating back since 2011 for driving by my home to see if it was still occupied even though I have always made the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: Have called the negotiator and manager assigned to the loan XXXX times total, XXXX voicemails left for the negotiator and XXXX voicemails left for the manager and have not received a call back. 

This started XXXX XXXX 2015 and I still have only spoken to the manager XXXX XXXX once since then on XXXX/XXXX/15. I have left XXXX voicemails for the manager XXXX XXXX since then and still have not received a call back, it 's complete negligence. 

The other problem and the reason why I 'm trying to reach the manager in the first place is Shell Point did an appraisal on the property at {$280000.00}. Our short sale offer is at {$280000.00}. It is a HAFA short sale which requires {$12000.00} to go to the second and {$10000.00} relocation assistance to go to the seller. They told us that the offer would have to be at {$290000.00} or we 'd have to negotiate the second down to {$2000.00}. This is against HAFA guidelines and the lender is " bending the rules '' to gain a higher net to their balance. 

We need this looked into and resolved, unfortunately all the CFPB has done for us in the past is reach out to management at the lender and take their word as bond and kick it back to us but I figured it 's worth a try to see if the CFPB will do something for once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit card () with Army and Air Force Exchange Service (MA).
Issue: Other

Complaint: A Military Star Credit card, aka Take it Home Today, was settled in a dispute resulting in no balance due following settlement. As part of the settlement, the company agreed to remove the item from all trade lines. As of today the information for account # XXXX is still showing on the " XXXX '' credit reporting agencies trade line under my name, and is a violation of the agreement made by the company almost a year ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation