milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: A month ago, I was charged fees by Bank of America for having Overdraft Protection and insufficient funds. After talking to them I told them I wanted to remove all overdraft protection so I would not incur those fees. I had to talk to a supervisor and he waived only XXXX charge out of XXXX. The past week I was again charged overdraft fees and when I called to complain, they said I only removed overdraft protection not all overdraft settings. And because the supervisor had previously told me about some other product they offer, at a charge, I should 've been aware and they would not refund anything else. This is a deceptive oractice to not fully educate customers on what overdraft protection and overdraft settings mean. When I said I want all overdraft to be turned off, they should do it. Instead they only removed overdraft protection and so they would still charge me overdraft fees. It 's ridiculous and close to fraudulent when they continue to charge customers. Even when the overdraft protection had worked previously they charge for that. They do not clearly define what fees are incurred, the amount of said fees, or properly inform customers.

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 09/13/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (OK).
Issue: Confusing or missing disclosures

Complaint: I tried to get into my account and I miskeyed my duo authenticator. When I tried to enter the correct number, my account was immediately disabled. It 's been two weeks and I have yet to receive a meaningful reply from the company ( Coinbase ). I want to regain access to my account as I have money locked inside it. Case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Bank account or service (Other bank product/service) with VALLEY NATIONAL BANCORP (NJ).
Issue: Making/receiving payments, sending money

Complaint: I have set up a pay my bill with XXXX XXXX to pay my mortgage at Valley National. Valley National complains that they are getting the payments late because they are mailed to them by XXXX XXXX. When I asked if they can get the payments wired to receive quicker they say that the option is not possible through Valley National. I 'd like to understand why with the technology available these days why this is not possible. The only reason I see is that Valley can charge late fees by saying they have not received the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Mortgage (Conventional fixed mortgage) with STONEGATE MORTGAGE CORPORATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage company unfairly and with intent withholding our escrow overage due to us since XXXX 2016 escrow analysis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Payday loan, title loan, or personal loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MS).
Issue: Charged fees or interest you didn't expect

Complaint: I had already had a loan with company and only owed them XXXX on the loan, and needed more money. so I called in for XXXX and told them I wanted on separate account, but they did not. They refinance the same account and now I owe them XXXX, which is not right, because I did n't borrow nearly that much.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: TD Bank stacks transactions to their own advantage. Especially when an ACH withdrawal comes in the same day as a direct deposit - they will always charge a {$35.00} fee to pay whatever came in to be paid - even though the funds were available the same day the bill came in to be paid. When XXXX used my acct as a backup source for funding - it overdrew my account - a {$7.00} XXXX charge incurred a {$35.00} fee. Then the {$140.00} in fees from TD Bank cause my acct to be overdrawn which overdrew ANOTHER couple of small transactions ( like {$5.00} and {$16.00} all under {$20.00} transactions which incur a {$35.00} fee each ) - I literally paid more in bank fees in XXXX already than for any of my own purchases. There should be some kind of regulation that an NSF fee can not exceed the amount of the transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX I purchased a mobile phone and plan with XXXX   from XXXX XXXX. This contract expired in XX/XX/XXXX. XXXX continued to bill the plan and phone. I tried several times over the next 2 months to get them to cancel the account. Each time I was told a identity code would be sent to my email address and the rep would call back in 15 min. This never happened. The last time I spoke with an XXXX rep I told them I would not pay the fraudulent amount and I considered the account closed. I was then threatened with litigation. XXXX finally terminated the account but refused to cancel the fraudulent charges. Since then this account has been passed between collection companies, each fraudulently reporting it as a delinquent account. Each also offers a significant discount if paid. This is pure extortion. The latest company jump on this band wagon is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX .    XXXX  account that went to collection. I was getting a divorce and my wife did not pay the bill. I would like this removed from my credit report out of good will.    XXXX . I paid the bill  XXXX / XXXX / XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: To be given restitution or loan forgiveness for over charged interest rates to charge to me attending XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX on campus in XXXX, Texas and online in XXXX XXXX IL location please help me resolve my issues with XXXX XXXX. They say I owe {$73000.00} Sincerely, XXXX XXXX, XXXX XXXX ID # XXXX at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: Equifax continues to breaks the laws and commits numerous FTC violations regarding my credit file. I opt out from promotional inquires XX/XX/XXXX. I placed a credit freeze on my file XXXX XXXX. Not only have Equifax allow my credit file to be pulled by unknown companies last year Equifax continues to allow companies to pull my file after the credit block was place on my file. Equifax is XXXX of the reason I believe that my credit file has been compromise, stolen and misuse. Equifax does not protect my information. I continue to receive offers from third party companies because of this lack of security and protection of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The CRA ( XXXX ) is giving out my information to companies who I no longer have a financial relationship with such as XXXX Bank. In the past 2 years that have given out my credit history to agencies I am not familiar with and as a result my credit score is very low. The hard inquiries by lending institutions sink your score. I have not authorized my credit to be checked by these entities. It needs to stop being a practice at Trans union.

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 12/27/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Struggling to pay mortgage

Complaint: Champion Mortgage Insurance Dept XXXX. XXXX XXXX XXXX XXXX, TX. XXXXXX/XX/XXXX COMPANY OBTAINED INSURANCE POLICY FOR ME WITHOUT MY INSTRUCTION TO DO SO. 
My condo insurance master policy covers my insurance requirements and our insurance agency faxed the insurance policy information to Champion on 3 dates last time was XXXX. 

they are charging my account {$690.00} for a policy they obtained and if not paid I would be in default.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Credit card () with U.S. BANCORP (CA).
Issue: Rewards

Complaint: XXXX XXXX and its credit card provider US Bank recently engaged in a " bait and switch '' tactic which lured me ( and other ) customers to sign-up for their XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( requiring a {$75.00} fee ) by promising a benefit which they then replaced by a significantly lesser benefit within XXXX days. XXXX XXXX recently removed their much-touted benefit of a bonus night on award stays. This benefit was clearly advertised as " BONUS AWARD NIGHT EXCLUSIVELY FOR CARD MEMBERS & ENJOY THE BENEFIT AFTER PAYING {$75.00} ANNUAL MEMBERSHIP FEE ''. Based on this _promise_, I paid the membership fee ( {$75.00} ) on XXXX XXXX, 2015 and met all spending requirements. XXXX XXXX announced it was rescinding the promised bonus award night and replacing it with a different award worth significantly less. In addition to the membership fee, my credit rating was diminished due to the hard credit inquiry imposed by US Bank. All of this occurred within a time period that made it impossible to gain the originally promised award bonus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2016 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Delinquent account

Complaint: I lost my job while in college and Old Navy closed my account with them. I have been working to take care of this debt owed once I started working. By the time I secured a job that paid enough for me to work something out, the account had been sold by another lender. I have paid this debt off with the lender and they have since removed their collection account from my credit bureau.

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 12-01-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: This started in 2008, I had to close my XXXX due to the economy, I tried to get a modification on my own ended up having to hire a firm to get me a modification, supposedly they got it then after 2 years of making the modified payment I was contacted and told they were foreclosing on our home.The long and short of it I was told the servicer approved but the lender did not. I have a loan that is a Mortgage backed security serviced by Wells Fargo, the investor is XXXX.I have requested modifications on my Mortgage, because this loan is not affordable it is almost XXXX per month, it is not owned by XXXX or XXXX so I can not get into a HAMP. program. What about us 27 % of Americans that have loans that where sold off into these ridiculous type of loans that is not owned by XXXX or XXXX that has done everything possible to stay in our homes that are severely upside down? I have been forced into bankruptcy 2 times trying to save my home. Not only has it ruined my credit but makes me less qualified to get a new loan. The loan is not being reported to the credit agency because I was told the loan was not reaffirmed and that had to be done at the end of the bankruptcy, this was never told to me by my attorney and you can not go back and do this? I just do not understand why I can not get the help that everyone that had a XXXX or XXXX loan was able to get. I feel the discrimination. Why can there be no bail out or even reducing the rates on the upside down property. I am told I should walk away from my home, but it is my home. The bank will be hurt by this badly but they would prefer to take the loss then help a home owner keep there home, is there any sense in this? Had I not lived here 25 years then maybe it would make sense to walk away.

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 04-08-2017 about Credit card () with Alliance Data Card Services (OH).
Issue: Billing disputes

Complaint: I sent via USPS Certified Mail the following letter with documentation. I just received note from the bank that they never received the data and closed my dispute. I have a receipt from USPS Comenity Bank received the data. This has been an ongoing complaint since XX/XX/XXXX. Please help me with this opaque and perhaps dishonest bank. 
XX/XX/XXXX Sir/Madam, Acct ending XXXX Dispute Please see the attached pages from my XXXX Statement. 

XXXX issued a the following cheques to Comenity Bank : XX/XX/XXXX {$470.00} Rejected and returned XX/XX/XXXX XX/XX/XXXX {$1100.00} Rejected and returned XX/XX/XXXX I twice paid Comenity, unfortunately the money was returned. I did not know this and found out by accident when logging into my account. I immediately called Comenity and then wrote a personal cheque for {$1100.00}, attached the payment coupon and mailed it the next day. I did not want to risk another XXXX cheque. The payment has posted so now I am carrying a positive balance. The agent was very helpful and friendly and was kind enough to remove the late fees. 

Despite my on time payments to Comenity, the bank has sent a 30 days past due notice to a Credit Bureau. My sterling credit, where I have never, never in XXXX years had a late payment, is now tainted. 

I paid on time and Comenity rejected the payments. See attachments. 

I want the past due note on my credit removed and corrected, immediately. 

I greatly appreciate your help with this unfortunate situation. 

Sincerely, XXXX Two Attachments, XXXX Statement Pages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Hello I found an open collection account listed on a recent Credit Report which i obtained using XXXX and XXXX XXXX. I attempted to research the company, Enhanced Recovery ( ERC ) using XXXX. I found that this company does not have a website, which raised my eyebrows about the legitimacy of this collection. I called the original creditor ( XXXX XXXX XXXX ) to find out more. XXXX XXXX has NO RECORD of my name or social security number in their system. They told me to try to find a number for the Collection agency so I called the number on my report. The person who spoke with me did not inform me that I could dispute this debt, that I had any right what so ever to challenge the facts of the debt. I asked for him to send me a letter to verify the facts of the debt. They ended up sending me a " summary of the payment agreement. '' I can assure you I did not agree to pay them anything, especially when I had no information about why they had this debt and did not share with me my rights. Then they somehow assumed I had agreed to pay them in full without those words ever coming from my mouth. 
I Believe this is deceptive and illegal and furthermore, an immoral practice, especially coming from a company that is doing its best to hide their identity by not having a website or any contact information readily available to the public.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (DE).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: i did not request a look for any credit information about me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Is reporting a late for XXXX account # ending in XXXX for XXXX 2017 Kindly remove this late as I had 30 day window to pay this bill from the due date of XX/XX/XXXX2017.  Payment had to be received within the 30 day window from that date and was. 
Payment was made on XXXX XXXX, 2017 only 24 days after bill date. All in accordance with FDCPA. 
Attached are bills and payments for this account. 
After this complaint XXXX and XXXX, XXXX, XXXX have updated a late to XXXX 2017. 
But in XX/XX/XXXX2017 payments were on time. 
Thank you, XXXX XXXX S.S. # XXXX D.O.B. XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Student loan (Federal student loan servicing) with ACS Education Services (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Dear Sir or Madam, While was looking at my bank account I realized I my XXXX student payment was taken twice from my bank account on XX/XX/XXXX I contact XXXX, INC who is responsible for the taking money twice from my account and the response from XXXX was only XXXX payment was recorded in my account on XX/XX/XXXX, and I was asked for proof of payment ( Please see the response from XXXX bellow ) I answered to XXXX request immediately and I attached my bank account, ( please find attached my bank account, page XXXX and XXXX shows my the subtraction of funds done twice on XX/XX/XXXX 

I received another answer by ACS telling me I will get a response in XXXX days, that was XXXX days ago. I email them twice already without a response. 
This company practices need to be investigated, I have the original emails when I consolitaded my federal students loans where interest rate was supposed to be XXXX and after XXXX years it will go to XXXX, this company changed the interest rate without notice or explenation to XXXX which I was told over the phone was my current rate. 

Thanks in advanced, XXXX emailsupport & lt ; XXXX ; XX/XX/XXXX to XXXX Thank you for your inquiry to XXXX 's XXXX Services Department XXXX 

After reviewing your account our record indicates that XXXX payment received on your account for XXXX. That payment was received on XX/XX/XXXX in the amount of {$770.00}. You may send us the front and back copy of the cashed check for the second payment in order for a research to be done, or you may send us a detailed copy of the bank statement to show that XXXX payments were made to XXXX in XX/XX/XXXX. 

Please note for future reference that we offer the XXXX ( ACH ) program which allows customers to authorize a banking institution to deduct loan payments automatically from a designated checking or savings account each month. A XXXX % interest rate deduction is offered for this program. You can visit our website at www.acs-education.com and apply online if you wish to enroll in this program. 

If you have any further questions, please feel free to contact us. 

Sincerely, XXXX Mail Support XXXX & XXXX & XXXX ; AttachmentsJan XXXX to XXXX, XXXX Thank you for your response, See attached my XXXX where you can see on XX/XX/XXXX the abstraction of {$1500.00}. Also, I have open an investigation with my bank to make sure I initiated the requested of ACS subtraction of the funds from my account for that month. 

Also, please we need the status of all my accounts with the interest rate charged and balances from the time you acquired the accounts. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My current adjustable mortgage was about to become variable. NationStar called to refinance into a fixed rate note. I was introduced to a XXXX speaking translator. I was told that I did not have to make the XXXX Payment because the payment would be made through the payoff. I had not refinanced before and did as instructed. The end of the month approached and I began to panic, I was told not to worry. Tuesday the XXXX I receive a call telling me that I must urgently make my XXXX payment. By the time I got off work to make a payment it rolled over to the XXXX of XXXX causing a 30 day late. I have had this loan for 10 years and " never '' made a late payment. This fact is reflected on my credit report. As it turned out, NationStar did not complete the refinance and I am unable to refinance with another mortgage company for up to 1 year due to the XXXX late payment. I have repeatedly called NationStar, spoke to various managers and no one is willing to take any responsibility and will not remove the late payment. XXXX is not my first language and considered broken XXXX. I feel foolish and misguided. I was willing and able to make the XXXX payment, why would I be instructed not to. I asked repeatedly if this could harm me, I was told the refinance would include the XXXX payment. I relied on the expertise of the person representing my best interest in a financial transaction. They should have never advised me to not make my payment. This not only harmed my credit but severely impacted my ability to refinance out of an adjustable rate mortgage. This is wrong!

Company response to consumer: Closed with explanation