milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: A merchant submitted an ACH 2 1/2 weeks after the transaction occurred. The bank reversed all my already posted transactions, apples the two week old transaction then reapplied my already posted transactions charging me in excess of {$90.00} in overdraft and will be charging me additional overdrafts for the reversal. When asked, they could not assist. The call was recorded and upon transfer the call was dropped. I then return call and asked them to refer to system notes. Representative advised there were none and that they do not keep account servicing notes. XXXX calls have been recorded by me XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: Wells Fargo employees opened unauthorized accounts, transferred funds funds to and from accounts resulting in a catastrophic loss for the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Auto debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MI).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: **Explicit Language** XX/X/2017 - A repossession agent violated FDCPA working on behalf of USAA. On Wednesday XXXX XXXX, 2017 a repossession agent made contact with me in person at my place of residence. Repossession agent identified himself, his employer, and who he is working on behalf of ( USAA ) and the collateral after asking if I was the responsible party. He advised he was at my place of residence to recover the collateral. I said, " well its in my garage and I am not going to open it ''. He asked what do I think will happen if he goes back to his truck and tells USAA that I said, " XXXX XXXX '' ( implying that I was n't going to pay USAA ever again ( for the record the only thing I said to him was " well its in my garage and I am not going to open it '' at no time did I use explicit language ) ) to which I replied, " It does n't matter because am not dealing with this through you and you are not the one I am to pay ''. He then said he is just trying to help me. He said I can hide from repossession but " this will not go away and USAA will keep repossession efforts no matter how much I pay. '' He went on to tell me that he has multiple vehicles he uses to repossess with and not just the truck that is in my driveway ( attempt to invoke fear ). 

After hearing his last few sentences I started closing the door as I knew that his statement was in violation of the FDCPA by threatening endless repossession efforts unless intending to do so. With the door nearly closed he began direct profane language escalating in speed and volume primarily the " XXXX XXXX XXXX in attempts to humiliate and abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: All my payments I have been making since 2007 and prior with XXXX XXXX are not being posted to my account so the balance has never gone down. Per my account history print out nothing is posted to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order to appear on your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report.

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 04/30/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Billing statement

Complaint: I lost a bank of america credit card in XXXX and asked for a new ones, with a new number. 
ever since then, I have paid off each statement in full riggt after recieving their stament, and the next month find out they have charged high interset, saying the balance was not paid in full. 
XXXX times i have paid the amount in the local BOA office, with a rep calling to confirm the correct amount, pay it, yet they keep charging interest for not paying in full. After the last statement i told them would file complaint if it happened again, and it did. I charge that BOA is doing this on purpose and ripping off other customers. As a computer programmer belive they are printing statements with a cut off date, but do not cut off that statement for several more days. With my latest statement, i called to complain again, BOA told me i was wrong, but could not explain the charge. I have called and cancelled the card, will pay it off at the local BOA, and inform them I am pushing for BOA to be fined. I can produce the statements and paymentdetails as needed. 
Sincerely, XXXX XXXX XXXX XXXX. 
XXXX, XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/13/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MD).
Issue: Trouble during payment process

Complaint: I have perfect credit history and have never been default on any bills, mortgage or credit card payments until Ditech ruined my credit by changing my monthly mortgage payment amount starting XXXX XXXX which caused my usual payment to be {$45.00} short in XXXX. Ditech then held my regular mortgage payment of {$1100.00} as unapplied fund and charge me late fees without proper notice me in time to prevent late payment. <P/>I made extra payment immediately after I realized the payment change in early XXXX. But I was still flooded with collection calls and foreclosure and homeowner assistance letters. <P/>I was treated with no respect in most phone calls even thought I explained the situation and the fact that Ditech failed to properly inform me about the payment change prior and after the usual payment were made in XXXX. I found other good paying customers have similar complaints online ( XXXX XXXX XXXX ). <P/>A supervisor at Ditech customer service even firmly deny my right of dispute and told me it is no use at all to file a dispute. I feel I have no options but to log this complain with CFPB. Please help to address this concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (CA).
Issue: Unexpected or other fees

Complaint: The XXXX pre-paid XXXX XXXX Card that I currently have has continued to withhold funds from me illegally. I recently filed a complaint with them regarding a pre-authorization charge hold that was placed on my card for a recent hotel stay. In that case, despite the fact that the hotel had released the funds the very next morning upon checkout, the XXXX XXXX  card decided to withhold the funds for up to 21 DAYS! After making my way through several calls and supervisors later, they had told me the funds could be released if I were to send in a fax with specific instructions and answers to their various questions regarding the transaction. Once I completed that unnecessararily tedious transaction, the funds were released back to my accountabout ten days after they should have been. Well in my current situation, the same exact kind of hold, this time for {$86.00} was placed on my account on Friday, XXXX XXXX, despite the hold being immediately released the following day on Saturday, XXXX XXXX. Hoping to take advantage of what is still a tedious way to get what was rightfully owed back to my account in an efficient manner, I had sent in a fax again, per their specific instructions and answers I was to give to their questions. But, lo and behold, they told me of a restriction they havethey only allow these faxes they use to release the funds that should have already been released to my account ONCE EVERY 30 DAYS. I would like to point out it doesnt state this anywhere in the card holder agreement, to which the supervisor stated was correct. So they are are setting up their own kind of rules that are not written in their cardholder agreement. Isnt this an unlawful withholding of my funds then?

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 04-08-2016 about Money transfers (International money transfer) with CITIBANK, N.A. (CA).
Issue: Fraud or scam

Complaint: We are dealing with XXXX companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX Banks XXXX Contacted by XXXX XXXX. back in XXXX 2015 to resell our timeshare which we checked on with XXXX State of XXXX. XXXX a nd XXXX XXXX in XXXX Both companies checked out? Well after signing sales documents numerous times and us wiring {$39.00} to escrow we now believe we have been scammed? Have a full file with all contracts and wire reciepts ect ... that can be furnished. Still they want more money after giving us written noice that we need to send no more money! Am still able to contact these people and have told them that we want to void this contract and want our money back as claimed in contract. Have filed reports with XXXX. and XXXX. XXXX offices, XXXX report with FBI, FTC report too.

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 04/17/2016 about Bank account or service (Checking account) with BANK OF THE WEST (CA).
Issue: Problems caused by my funds being low

Complaint: THE BANK CHARGED AN ADDITIONAL IMPROPER {$35.00} DOLLARS INSUFFICIENT FUNDS FEE, PLUS A MONTHLY SERVICE CHARGE OF {$10.00} TO TAKE AWAY MY EARNED {$10.00} DOLLARS BONUS FOR USING POPMONEY SERVICES. AS BECAUSE OF THIS BANK ACTION {$48.00} DOLLARS IS MISSING FROM MY BANK CHECKING ACCOUNT. 
THIS BEGAN THURSDAY XXXX XXXX AS A MERCHANT REQUEST FOR PAYMENT CAME IN FOR IN WHICH THE BANK PAID AND CHARGED THE {$35.00} INS.FUNDS FEE THIS MADE MY ACCOUNT BALANCE A NEGATIVE - {$8.00}. EARLY FRIDAY MORNING I MADE A CASH DEPOSIT FOR XXXX DOLLARS THIS BROUGHT MY ACCOUNT IN THE POSITIVE TO {$XXXX, LATER THAT MORNING VIA ONLINE BANKING I CHECKED MY ACCOUNT BALANCE IT WENT FROM XXXX TO. {$160.00} MISSING {$35.00} dollars. ADDITIONALLY THE BANK CHARGED MY ACCOUNT A MONTHLY SERVICE CHARGE FEE OF {$8.00} BUT I HAVE A NO INTEREST EARNINGS CHECKING ACCOUNT WITH NO MONTHLY SERVICE FEE CHARGES. AND CUSTOMER SERVICE REPRESENTATIVE WOULD NOT EMAIL OR US POSTAL MAIL SEND ME A CLAIM FORM FOR THIS ISSUE, THANK YOU.

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 04/30/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio recovery calls numerous times a day until late in the evening, past XXXX CT. I do not have any credit card debit in collections and this company is ruthless and incompetent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: in XXXX XXXX i got papers to file for a loan motification, Ocwen approved iitthe motification. over the phone i called thier number and the automatied teller said my payment was now going to be XXXX and that my XXXX XXXX payment was being difered also i talked to 2 tellers who also told me my payment would be lowered and my XXXX payment was difered. i called again in XXXX XXXX to verify that i did not owe a payment for they month of XXXX XXXX i sent Ocwen XXXX in XXXX XXXX which is what my statement said i owed for that month i also sent XXXX in the same amout of XXXX in XXXX ocwen started sending me statements stating that i was 2 months behindon my payments. now they are saying i owe XXXX and i f i dont pay it to them they are going to put it up for short sale. the XXXX XXXX i recieved paperwork staing that my loan motification wasnt aproved this is the first i have heard that it was not approved. i have never been late on a payment or not payed a payment in the 10 years i have lived here.

Company response to consumer: Closed
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I was not late for credit first. I was not late for XXXX XXXX XXXX account ... payments were made and are current..

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 12/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Genesis Credit Management, LLC (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Property management company billed me for a cleaning fee after I moved out of the residence. I never was presented with any documentation indicating that I owed a cleaning fee. The debt has been sent to collections for a debt I do not owe. There is now a derogatory entry on my credit report which is an error.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: CitiCard, Citibank, is retaliating against me by increasing my minimum payment amount because I filed a complaint against the company with the BBB. The company, which has lost {$2800.00} of mine and we 've yet to settle the mishap since XX/XX/XXXX, has representatives calling me every other day telling me to pay {$2500.00} in " minimum payment amount '' before XX/XX/XXXX. I 've already paid the credit card company last week and they are harassing. Representatives, XXXX XXXX, XXXX XXXX, and XXXX, have called me incessantly over the last 3 weeks, harassing me at work and at home, asking me to drop my complaint with the XXXX and CFPB. My card, the Executive Business AA Black Card with Citibank, is supposed to guarantee clients from fraudulent activity. However, the credit card company has already been witholding information regarding " missing funds '' under their care. It has been 5 months now and the company still has no solution to where they have my money. Currently, Citicard and XXXX XXXX are attempting to force me to pay a minimum payment amount of XXXX %, which is unheard of in the industry. I am concerned that Citibank and Citicard 's harassment is going to lead to a negative credit lean against my account and that any large payment amount made to the company will once again " disappear '' and I will be left losing another couple of thousand dollars. In addition to the hard details, representatives are calling me at work and yelling discriminatory language.

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Despite 2 former CFPB complaints, XXXX XXXX continues to report incorrect information regarding a balance owed to them. 

I have attempted several times to contact XXXX XXXX at XXXX. She declines to return my phone calls and will not respond to my letters. 

XXXX is reporting to all credit agencies that I have a balance of {$6000.00} that is past due and was charged off. I dispute this amount. XXXX card, only through a letter in response to my former XXXX complaint states that I owe a balance of {$3400.00}. I want to know why they are reporting that I owe a balance of {$6000.00}. In fact at one time in XXXX, they were reporting that I owed a balance of {$360000.00}. 

I have contacted XXXX and asked that they provide detailed information concerning the {$6000.00} balance that they continue to report. After 60 days I still have not received an explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I file a dispute with the credit bureau it took this agency one week to say this account on my credit is maine how can a company says account belong to you when i write these creditor. their no response how is company able to validate a debt when i get no response what is their procedures of validation i have identity theft on my report the credit bureau isnt obeying the 609 laws on federal credit reporting act before they report on file

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 12/23/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN).
Issue: Trouble during payment process

Complaint: My spouse started buying this home in XXXX. He XXXX in XXXX. He had mortgage insurance that paid XXXX on a house purchased for XXXX with XXXX being paid when we bought it. We do not have taxes included in house note just insurance and lender placed flood insurance. I am the spouse and my credit is not good. My interest rate on this loan started at 9 % and now it is 7 %. I owe XXXX according to their records. We had a thirty year mortgage. I do n't understand since we paid XXXX in XXXX and I am paying more than 300 in interest each month on such a low principal

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Debt collection (Medical) with Capital Accounts, LLC (PA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: On XX/XX/2016 at XXXX XXXX. I received a call from Capital Accounts Collection Agency. After already making a payment with the gentleman over the phone to set up a payment plan he wanted to put it on auto pay every month. I advised I did not like auto pay and would make the payment online or over the phone every month. He kept questioning why I did not like auto pay and saying it would still be sent to my credit report and no payment plan could be set up if I did not enroll in the auto pay. I told him I just did n't like it. I did n't feel I needed to explain my personal reasons to him since he had been badgering me the whole phone call. He then said " well people do n't like when you do n't pay them for 7 months ''. At that point I was so surprised I said " I do n't care '' and he said " clearly ''. I had previously explained in the phone conversation that I was unemployed ( due to my office closing down ) and that 's why I have n't been able to take care of this bill. After hanging up the phone with him I then called back and spoke with a very nice representative who thoroughly explained everything to me and at that point we did get the payment plan and auto pay set up. She was very understanding and made me feel completely comfortable setting everything up. The statements made by the previous representative were complete uncalled for. If he did n't act in the manner he had we could have accomplished all of that in the first phone call but he just kept pressuring me to use my credit cards for a larger payment and threatening to send all the information to my credit report when I was hesitating to make a payment. He did not try to be understanding or work with me in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do not have a XXXX 's XXXX credit card but, there is an account showing on my credit report from XXXX XXXX. 

Please remove this account from my credit file.

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 10-07-2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Phone call harassment all hours of the day, will not stop calling. I do not owe anybody any money, never missed a payment in my life and am a XXXX veteran

Company response to consumer: Closed with non-monetary relief