milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2016 about Bank account or service (Checking account) with CHARLES SCHWAB CORPORATION, THE (NJ).
Issue: Using a debit or ATM card

Complaint: My debit card was stolen. When I notified the company, they told me because the thief used my PIN that all charges were not fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Other debt) with AllianceOne Recievables Management (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: During XXXX of XXXX alliance one incorrectly started to garnish my paychecks for the maximum amount witch created a terrible hardship for my family. I finally got them to realize they had the wrong person and the funds were subsuquently refunded. On XX/XX/XXXX the garnishment process started again and I received an email from adp stating that I was being garnished by Alliance one for {$510.00} and the remainder was {$1700.00} after multiple garnishments the last one came in XX/XX/XXXX stating that I owe a balance of XXXX. I followed up with alliance one a few months later around XX/XX/XXXX and they stated that they never received money and that they could not find a debt for me. After finally finding me I was told that XXXX would release the money to them in XXXX. I called alliance one again in XXXX of XXXX and they stated that they received the money but I still owe and additional {$2400.00} wich was never explained to me at any point in the past. the representative had a very hard time finding out where the garnished total of {$1700.00} went. I called back for clarification and a clearly irritated rep denied to give me any time or an opportunity to take notes on what was being said in regards to the balance. She stated that since i'm considering legal action she can not give me information on my account. I also never received a notice in the mail in regards to any balance owed. After the initial garnishment that did not belong to me, and after the representative not allowing me to get full clarification on this large debt! I am very concerned about the collections practices of alliance one.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Payday loan () with Big Picture Loans, LLC (OH).
Issue: Charged fees or interest I didn't expect

Complaint: I have a loan with Big Picture Loans. They have charged exorbitant fees - much higher than I would have expected. Every payment except for the {$25.00} on my last payment ( payment # XXXX ) has gone to interest. It is nearly impossible to pay this balance down due to high {$350.00} bi-weekly fee required in the beginning of this loan. The interest on the loan is predatory - at an interest rate of 1014.55 %. This is insane. If I pay only the required payments, I would be required to pay $ XXXX for a loan of {$1000.00}. I have already paid twice the value of the money I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (Other debt) with Media Collections, Inc (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A company named XXXX XXXX XXXX claims I owe them money. A credit collection agency, Joseph, Mann, & Creed, ( JMC Account # XXXX, Client Account # XXXX ) keeps calling and sending me bills and threatening other actions. 

At some point, my XXXX-year-old daughter contracted with XXXX XXXX to receive services and I neither co-signed nor agreed to be responsible for the account. I never used or benefited from XXXX XXXX in my home. The services XXXX XXXX may or may not have provided my daughter were for her apartment located some twenty-five miles from my home. And as a point of fact my daughter tells me XXXX failed to provide the services she had contracted with them to receive. 

I have asked for proof of my alleged debt and all they send is account statements.

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 02/27/2018 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Trouble during payment process

Complaint: I wrote a letter to the company via fax about putting money against my principal to lower my loan interest at the end of the year. Instead of me keeping my money in the bank with .o8 % interest versus my loan interest which is 3.375 %. The company, did not respond for about two weeks. I call up the customer service and I was told there is a fee of {$50.00} and I was also told that they have a procedure, called the " recast '' that I needed to follow. I told the lady whom I have spoken with to send me the instructions for me to follow.

I received the instruction asking me to pay {$250.00} for processing fee. When I applied for the loan. I remember there is no pre-payment penalty. All I want is to reduce my principal balance and pay my loan as soon as possible and do not want to go to their long process with a big fee. I wanted to pay my loan now but I am still short.

If needed, I can send you a copy of my letter to the company about my intent and a copy of their procedure with regards to this matter to be more specific. I have experienced to pay off my mortgage loan before at no cost with only a minimal fee for money transfer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Medical debt) with Simon’s Agency, Inc (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: simons still has not cleared credit files of collection attempts on my reports as per client all should be removed see attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an identity theft victim. His information was used to establish a fraud account with Target credit service/TD Bank without his consent on or around the date of XXXX/XXXX/2016. He notified TD bank of this and was provided a fraud affidavit to complete and return ; which he did. As of this date however Target has not replied as to the outcome of the investigation results as is their obligation under the FCRA and has committed an offense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My credit report shows a non existing pending balance with XXXX XXXX XXXX with Diversified Consultants acting as a debt collector. There has never been a pending balance between myself and the original creditor. I 've sent various emails ( including evidence from XXXX showing a balance of XXXX dollars ) and make several phone calls with no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: EOS CCA repeatedly contacted my home and cell phone numbers over and over allegedly regarding a XXXX account. The account was paid directly to XXXX XXXX. Someone named XXXX kept calling and was speaking so fast that she could not be understood. She became abusive and started calling more when she was told to STOP talking so fast and to STOP calling.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX Account XXXX is being reported incorrectly by XXXX XXXX XXXX, they indicate the first date of delinquency on the account is XXXX XXXX, which is incorrect. The first date of delinquency appears to be XXXX XXXX. I need this corrected immediately

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 10/26/2016 about Mortgage (Conventional fixed mortgage) with Core Advisory Group, LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Hi my name is XXXX and I made initial contact with Core Advisory Group back on XXXX XXXX, XXXX. I received a letter in the mail stating that they could help me reduce my payment and stop my foreclosure. I was told that their lender dispute program would stop my foreclosure and force my mortgage company to modify my loan. They promised me my situation that they could stop ay foreclosure procedures and my loan modify and payments lowered but that is by far the truth. I sent them all my information and they told me my loan modification package has been submitted and now I just need to wait for a final answer. I received a letter from my mortgage company in XXXX XXXX saying my loan modification had been denied. This company knew I would n't qualify and I have told them before hiring them that I was denied in the past for not having enough income and now they tell me I needed to show {$1000.00} more to qualify? Should n't they known this before taking my {$4500.00} that I paid them just to tell me the same answer that my lender told me which I do n't qualify for a loan modification! They told me they are redoing my information and resubmitting it but at this point, I ca n't take my chances with them as I lost faith in this company so I demanded my money back. After that they made me fill out this package in order to get my refund and this at the beginning of XXXX XXXX and it took them until XXXX XXXX just to offer me {$350.00} back?? This company is a joke, a scam and they need to be shutdown. I want my money back the full amount. They have illegally taken my money upfront which is a violation to the XXXX rule and they still did it and provided no results. How insulting is that they did n't know whether they can help me but lied they can but ca n't and take {$4500.00} and at the end offer to pay back only {$350.00}? I hope and pray the authorities lock these crooks up. To make matters worse, I had found out that the owner XXXX XXXX of Core Advisory Group is the same guy that owned Colleagues in Law that he got rid of which does the same thing offering loan modification service. What did this guy just XXXX everyone, take their money and change company name and nothing happens to him? He needs to be in jail. Please help me get my money back from this clown.

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 monetary relief
Consumer complaint received 02/17/2016 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (WI).
Issue: Account opening, closing, or management

Complaint: TRIED TO CASH A CD WHICH HAS A CONTINUAL 6 MONTH ROLL OVER. THE ORIGINAL CD WAS ISSUED BY XXXX XXXX AS PER THE COPY. THAT BANK WAS TAKEN OVER BY WACOVIA THEN WELLS FARGO. WELLS FARGO DENIES ANY RESPONSILITY AS IT IS MORE THAN 7 YEARS AND THEY DO NOT SEEM TO GO TO THE ARCHIVES TO CHECK IT OR TO PAY IT. 
TOO BIG TO BE BOTHERED?

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 09/21/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: When I apply for a mortgage or car loan, the finance officer has a different credit score than I get on-line, or even when I receive a statement from the XXXX agencies. Their score is always lower. I do n't know if they 're lying so they can charge a higher interest rate, or there 's two different scoring systems. Which is it?

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I personally called XXXX XXXX the first week of XX/XX/XXXX to get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/16 I signed off and XXXX confirmed that on that date the sum of over XXXX was wired to XXXX to pay off that mortgage as of today XX/XX/27 I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX  on all the stress they put us all trough

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 04/19/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Application, originator, mortgage broker

Complaint: This is my fourth complaint against  Bank of America. The other 3 are,  in order of creation,  XXXX ,  XXXX , and  XXXX . Regarding the third complaint  (   XXXX   ), a BofA represent ative contacted me on  XXXX   XXXX ,   XXXX   to review the fact that not once but TWICE I was disregarded as a candidate for refinance, once last year and once early this year, with no advice for alternative programs, which do in fact exist. However, she decided she would not address this latest debauchery of apparent discrimination but would attempt to gloss over it by stating  ( 1 ) BofA ha s no record of my having filled out an application for refinance during or after this call, and thereby yet again attempted to pass responsibility for this failure back to me by alluding to the possibility that I never put forth the attempt and therefore I was never rejected . and ( 2 ) atte mpted to send me via phone over to their department/s that would in fact assist m e ( finally ). I told   her that the original issue and attempt to refinance were now, and at least for the time being, moot. I want the disregard and discrimination I experienced TWICE, once last year and once this year, fully addressed. For this is in fact now the overriding issue. I also told her I  told two other BofA employees, one of whom was also an RA representati ve,  XXXX   XXXX   XXXX , that I experienced this disregard, and disrespect TWICE. Both men knew of this but they decided it was unimportant. But it most certainly is important. I asked the woman if she had listened to the recording of my second attempt to refinance from this year. She stated she had n't. I then asked her why I would have bothered to fill out an application for refinance ( as she alluded I certainly must have if I inquired about it ... RIGHT??!! ) when I was told unequivocally on the phone, last year and this year, that I am ineligible? This she could not answer. I am stating herein that that second attempt occurred on  XXXX   XXXX ,   XXXX   at  XXXX  PM. I actually scheduled the appointment through  BankofAmerica online appointment calendar. I had a representative call me to confirm it. I have record via email of that appointment and I have record of the call to me from the BoFA loan officer  in my  XXXX  account. The call DID occur ... I was rejected after  3 minutes! I  want that call researched, investigated and analyzed before going any further. I refuse to take responsibility for this! I did n't apply because I was told I am ineligible!! TWICE!!

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 03-06-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY ().
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XX/XX/2018 I receive this deposits in my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX USD Total XXXX USD Same day at nigth i check that in my banking online that i had a bank debit for XXXX USD value, so i called at the time and made a claim, so the customer service told me that i had a note in my account for the lost prevention department so i must call them the next day, they said that department had freeze the account and they had to ask me some questions before unfreeze it. 


XX/XX/2018 First time in the morning i check the account again and i can see that XXXX XXXX were missing from my account and i called again very worried about the situation and customer service told me again that i had to call to Lost Prevention Department and ask them about that money. Finally i could made a call to them and their answer was that they had superiors orders to close my account for good with no explanations, that i had to look for another bank, they sent a letter 30 days ago to my billing address and i never get it because my home address is in XXXX and the mail service for USA - XXXX was down this new year, anyway ... after i ask them several times to understand me and help me they agree to give me back the XXXX XXXX they took that day but the XXXX XXXX from the day before they just told me to made a claim from customer service for that money. 

XX/XX/2018 I made a claim for the XXXX XXXX XX/XX/2018 I call to ask about the XXXX XXXX claim and i had check for another fraud made to my account for XXXX XXXX, that was an unauthorizing payment from XXXX XXXX XXXX, 2 days before i get a similar one and after i made a claim they put an Stop Payment Order for that company but it didnt work, after 5 hours talking with several departemtns in Wells Fargo where all of them send me with Lost Prevention Department telling me that they had the money finally Lost Prevention Department told me about one client who did the deposit for the value of XXXX XXXX some time after he come back to the bank and showing the receipt and telling to the teller some XXXX excuse the teller withdraw the money from my account and give him back, so i tell the lost prevention department that this is not legal anyone besides me or someone who sign in my account cant withdraw money from my account without my permission, that they answer me that anyone with a receipt can do it. 

Some months before another scammer try to do it the same and i made a claim and the bank give me my money back because anyone besides me cant withdraw money from my account, so why now they are telling me they can?, they ask for proof and i give them, i always have the receipt from my clients, so i can show all the proof they want. 


Thanks for your help.

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 10-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Billing disputes

Complaint: I chatted with a rep by the name of XXXX earlier this evening, XXXX, regarding a payment plan set up prior with another rep. I agreed to pay an amount of XXXX, my last payment made on account ending in XXXX. Additional payments due include XXXX by XXXX, XXXX by XXXX. These payments have been scheduled. However, as XXXX informed me, late payment fees are not waived as part of the payment plan. I did not inquire about over limit fees, however, I believe these should also be waived. I understand the account is past due and over limit, however adding late fees and or over limit fees do not help in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: this debt XXXX XXXX XXXX was in bankruptcy XX/XX/XXXX. Per XXXX and XXXX they both show this to be XXXX balance and filed in bkruptcy,,, Equifax does not. Put in a dispute on XXXX XXXX with Equifax and then again to check on in XXXX XXXX, and then again to check in on XXXX XXXX. XXXX XXXX the girl said " XXXX '' said to send in documentation and will be resolved within XXXX hours. I did send it in on XX/XX/XXXX showing the bankruptcy papers and today I called in and no one would even speak to me. I being the wife of the account in dispute spoke to everyone since XX/XX/XXXX and today they do n't want to speak to me. All I want is this cleared if I sent in documentation for this and seeing that the other XXXX credit reports show it cleared as well. This should show XXXX balance and in bankruptcy. XXXX account was for XXXX Bank sent in as a dispute to state this is a XXXX balance. It shows as XXXX balance but Equifax is refusing to remove the dispute. On this XXXX the XXXX balance is correct it just needs the dispute information gone we are NOT disputing a XXXX balance account.

Company response to consumer: Closed with non-monetary relief