milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: In XX/XX/XXXX XXXX ( XXXX ) XXXX rented her house and deposited the {$1900.00} security deposit in a newly opened savings account at the Bank of America branch located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. She had long maintained a checking at the branch, automatically deposited her social security check there and had financed the purchase of her home with a mortgage loan then held by Bank of America. 

Shortly before her house was rented, XXXX moved to XXXX XXXX and started making deposits and withdrawals to her checking account at the Bank of America branch located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. In or around XX/XX/XXXX, the bank required a savings account balance of {$2500.00} in order to avoid a monthly fee of XXXX dollars. It notified XXXX by mail of its new minimum balance requirement. She was born and raised in XXXX and does not read English well, if at all. She also failed to notice the charges on her bank statements perhaps because she had no formal financial training. As a result she remained unaware of the fees,, Recently when discussing her accounts with representatives of the XXXX XXXX branch she discovered that the monthly fees had reduced her savings account balance to {$1300.00}. 
The bank considers her a " valued customer over 25 years ''. 

She respectively requests that these fees be reversed. 


.

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 12/13/2016 about Mortgage (Conventional fixed mortgage) with PROVIDENT FUNDING ASSOCIATES (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Provident Funding services my mortgage. I made my monthly payment ( electronically ). And then signed up for a monthly withdrawl service. They immediately took a XXXX ( unauthorized ) payment out of my checking acct. They acknowledge the XXXX payments were made - this is not in dispute. They have had XXXX payments for over a week. To get my money back, their procedure is as follows : 1 ) I provide them with " screen shots '' of my bank account showing that the XXXX payments have been taken out. 
2 ) They mail me a check. 
This is all simply ridiculous red tape to ensure they hold on to my money. It is unsafe, unfair and egregious. The first step is wholly unnecessary - they have the money, they can see that payment has posted. It is also unsafe - they want me to send sensitive banking information such as my account # and balance in unsecure ways. And then they want to send me a check ... when they clearly have access to my account electronically. Or I can just wait, which conveniently means they get a free loan from me for a month. I have spoken with several people, including managers, in their customer service area. They are unwilling to take any steps to address the issue due to " their policy ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2016 I notified XXXX XXXX that I was revoking their authorization to charge my debit card. On this same day I notified Chase that I had revoked the rights of XXXX XXXX to charge my card. I was told that all I had to do was replace my current card. Which I had done on XXXX XXXX, 2016 due to the card not being read anymore by card readers. I did what I was supposed to do but then on XXXX XXXX, 2016 XXXX XXXX charged my card {$160.00}. Dispite the fact that I was told this could n't happen it did. I called immediately and filed a dispute and was told that I do n't have any grounds because it was my obligation to pay. However it is not the banks job to tell me what my obligation was. This is a matter for civil court and if XXXX XXXX wants the money that is we 're this should be. Chase should not be involved. When I called XXXX I notified them that the line was being recorded so I have this all on recording. On XXXX XXXX, 2016 when I spoke with the supervisor at Chase I notified him that this line was being recorded and he stated he did n't agree but never asked me to disconnect the line. During this conversation I asked for the supervisors manager to call me back. She did at XXXX on XXXX XXXX, 2016. I argued with her and was told that XXXX XXXX pays XXXX money to allow this type of transaction to occur. I notified her that XXXX is not my bank and Chase was and I did not give any authorization to this illegal and immoral activity. Either Chase permanently refunds this money or they are comitting fraud along with XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX I found an unfamiliar XXXX Wireless account on my credit file, I contacted XXXX to discuss in further details but they stated by law they can no longer can discuss the account because it was sold. I contacted the company it was sold to - Jefferson Capital System - the company the debt was sold to and they forwarded me XXXX. On XXXX/XXXX/2015 I spoke with a rep from that collection agency ( working on behalf of Jefferson Capital System ). I 'm not sure what XXXX is charging me for. I had a phone with them but returned it in three days after signing up because I realized that I could not afford it. First XXXX XXXX XXXX said they have no details about this account. Jefferson Capital System did n't provide details but they are only responsible to collect payments. XXXX said they have no details and Jefferson Capital System directed me back XXXX. If no one can provide me details about this account and the charges, why am I responsible to make a payment? This is unfair and does n't make any sense to me.

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 09/16/2015 about Debt collection (Auto) with WELLS FARGO & COMPANY (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They also left messages saying it was in my best interest to call back inferring I had a debt to settle or a negative connotation. I know for a fact it is illegal to do that in a message because they do n't always know who has control of that phone or voicemail. These are malicious attempts and each person should be fired that has left a voicemail in such manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: TransUnion File # XXXX XX/XX/2018 TransUnion has on my Supplemental Consumer Credit Information Cash Advance Inquires in the last 7 years as : ( XXXX ) I have not applied or received any money from no cash advance company in the last past 7 years or any other year. 
Please provide Documented proof of such loan from source as stated as Cash Advance Inquires

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Struggling to pay mortgage

Complaint: The lender has not provided a response the our QWR request and initiated foreclosure within the early intervention period in violation of Regulation X , 12 C.F.R. 1024.41 ( f ).   Your client failed to provide  XXXX   XXXX  with a  Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had submitted a deferment, and forbearance application which had been approved to a company named Nelnet. After it was approved my loan was " transferred '' to another loan servicing company named XXXX which in turn had not registered my loan. They reported me defaulted, which in turn off set my taxes for XX/XX/XXXX-XX/XX/XXXX. When I contacted Nelnet XX/XX/XXXX, they stated that they are no longer responsible for my loans nor what they reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Summit Consumer Group ().
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I ( and my family ) was contacted by a company called Summit Consumer Group, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, stating that I owe in excess of {$1500.00} due to a late cellphone payment to the mobile service provider XXXX XXXX from the years XX/XX/XXXX - XX/XX/XXXX. I have never been contacted in the past 16 years for any debt from XXXX. This company ( SCG ) stated that I woud be issued a subpoena and my bank assets would be seized if I do not remit payment for this fee. I contacted XXXX XXXX and the company stated that I do not owe anything.

Company response to consumer: Untimely response
Consumer complaint received 10/16/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Credit card protection / Debt protection

Complaint: I asked for a Bank of America Credit Card account be closed. I was assured that it was closed. A recurring charge was set up from a vendor. I do n't intend to continue with service from that vendor. Bank of America reopened my account without my permission and processed a charge. I never gave them permission to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Debt collection (Medical) with Collection Service Center, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The doctor did NOTHING to relieve my XXXX that was diagnosed a few days later by my PCP! I do not want to pay for a service i did not receive!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Payoff process

Complaint: I have a chase credit card account that has low rates due to balance transfers that are fixed until it is paid. Several different transfers were made at different rates. The balance of the portion of my account with an interest rate at 4.99 % was {$2400.00} as of my statement date XX/XX/XXXX. The balance on that portion of my account has grown to {$3100.00} as of XX/XX/XXXX. I have made extra payments and can not tell where any of those payments have been applied to this balance portion of the account. This has been the highest rate portion of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Unauthorized inquiries on 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 06-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have been issued Credit card as well I have check in and savings accounts in Chase Bank. On  XXXX   XXXX   2017 , I used my credit card instead of debit card by mistake to withdraw {$1000.00}. I realized my mistake immediately after I checked my bank account online within an hour and I deposited {$1000.00} back to the credit card. I never intended to take  a cash advance and having a good balance in savings and check-in accounts, I did not needed the cash advance and i t was a mistake. The Bank posted the withdrawal transaction on  XXXX   XXXX   2017  and they have charged a transaction fee of {$50.00}. When I called the credit card customer care, they declined to revert the fee, in spite of agreeing that the intention was never to take the cash advance.Also, The customer c are executive sai  d that they will charge interest with APR 25 % + on the {$1000.00} for two da ys till the transaction was posted i.e. from  XXXX   XXXX   2017  to  XXXX   XXXX   2017 . They will charge in spite of my {$1000.00} advance payment posted on  XXXX  itself. I was unable to understand why should I pay for delay in bank 's posting. Also, I had a negative balance to cover the  cash advance f rom  XXXX  itself, then why should I pay interest.The bank should not have charged the transaction fee and interest charge. Its unfortunate that I am being penalized for a small mistake which was corrected immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is incorrect information being reported on my Experian credit report. I have spoken to representatives and sent letters to dispute the public records which should not be reporting on my credit per the XXXX, which states- Beginning XX/XX/2017 public record data collected for credit reporting agencies, including bankruptcies, civil judgements and tax liens are to be removed from credit reports. 

They have not complied with this law, whereas the other bureaus have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: A car was purchased using my personal information while I was under wage earner. My drivers license number is  XXXX . It have been stolen. My social security number stolen the spelling of my name was  XXXX   XXXX   XXXX  in the court. My address was  XXXX   XXXX   XXXX   XXXX , TN  XXXX . I was suppose to be protected under wage earner.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to www.XXXX.com and filled out the online form. But I did n't receive a report from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2017 about Payday loan, title loan, or personal loan (Installment loan) with SYNCHRONY FINANCIAL (OH).
Issue: Charged fees or interest you didn't expect

Complaint: I have a no interest 48 month loan used to purchase a lawn mower. After a few months of making the payment through the phone system without problems, it no longer would allow me to do so.I made calls to customer service requesting they repair the issue for the next few months also making payment through the representatives. The process to do the payment this way took in excess of 15 min on average. The bank did not care that they wasted my time and after a few months even the representative could not find my account. I told them that I would resume payments when the system returned to working order. After three or four months they resolved the issue and i returned to making the payments. The bank began changing my payment amount and adding late fees and interest and  increasing the payment. I spoke with someone from the corporate office and he denied any issue with the system ever having happened and said to bad that they would not remove the fees, interest or return the payments to the original amount. The paper work I have from the purchase says nothing about late fees or interest just that the amount is to be paid in full within 48 months and minimum payments.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am currently in the process of trying to purchase a condo in XXXX. In order to do that I need to get a loan ( FHA/Conventional ). In talking with a couple of different companies ( XXXX XXXX, XXXX, XXXX ) this month ( XX/XX/XXXX ) to get a loan, they informed me my credit score was just below the threshold to get the loan. 

While investigating my credit report, I noticed there was a charge for {$320.00} with Midland Funding.Neither XXXX XXXX or XXXX would identify who they were. However while talking with XXXX XXXX, they informed me that Midland Funding is a 3rd party collection agency. They informed me of thisXX/XX/XXXX. 

Upon informing of this I placed a call to Midland to verify what the debt they were trying to collect was for. They informed me it was for a debt on behalf of XXXX. Which is odd, because while I did have a XXXX card, I paid it off over over 4 + years old. In fact, they actually deactivated my card because of inactivity. 

After contacting themXX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX, I spoke with 5 different representatives for Midland Funding LLC. I specifically asked them, what were the charges for. I asked what is the invoice owed, what are the specifics to this debt. Not one person could give me an answer as to specifics of this debt. They only would say you had a XXXX card from XX/XX/XXXX- XXXX. Nothing more. Which is why I am disputing it. I do n't believe I owe this at all, and they have n't provided anything showing I do.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Problems caused by my funds being low

Complaint: I had a bank account with Bank of America and closed it because they held a deposit that caused my account to overdraw. All the did was apologize so I closed the account and paid off the checks that did not clear now they are billing me and reported to checks system that I owe them {$430.00} they see that I withdrew {$1900.00} to pay off checks because of their mistake and want me to pay XXXX of the {$430.00} this was their error and it cost me even more. I want this account to be resolved and deleted also a fraud investigation opened because they have been stealing money specially from XXXX customers. Please call me 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 03/20/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hello, On XXXX XXXX XXXX I received a phone call from Portfolio Recovery Associates LLC. In reference to an Account from XXXX XXXX Bank. I notified their office I had been in communication with XXXX XXXX XXXX for over 6 months disputing this account as this account was closed back in XXXX. XXXX XXXX bank could not verify these records and the account was removed from my credit file. I requested Portfolio to send validation/verification of this account on XXXX XXXX XXXX, On XXXX XXXX XXXX I received a letter requesting I send them all of my information? I have no idea who Portfolio Recovery is and quite frankly it is not my obligation to provide personal information when they are required to validate the account within 30 days. I sent another letter dated XXXX XXXX XXXX again requesting validation/verification of this account ( I just months 6 months with XXXX XXXX over this process ) and on XXXX XXXX XXXX Portfolio Recovery sent a letter stating they terminated my investigation. I did n't ask for an investigation I wanted validation/verification from their records. This account has NOT been verified yet when I dispute it with XXXX, XXXX, and XXXX, Portfolio verifies the account as valid and continues to report this account each month. 
I have sent a format request for validation in return nothing has been sent and collection attempts continue.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (TX).
Issue: Settlement process and costs

Complaint: Our house flooded and and insurance cut the check to my wife and shell point. We paid everything in full out of our pockets. They came and did an inspection of the completion and still have n't realesed any of our {$30000.00} check. They keep giving us the run around and we do n't know watt else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Mortgage (VA mortgage) with Ditech Financial LLC (DE).
Issue: Trouble during payment process

Complaint: Company : Ditech Financial LLC In XXXX 2017, I made a payment of {$1300.00} electronically. See the details below. 1. Regular Mortgage payment is {$390.00}. 2. I included an extra principle payment of {$1000.00} 3. I had no pending late fees, escrow fees or other applicable fees outstanding. When I received my statement for the month of XXXX, I notice that the principle amount of {$1000.00} had been allocated to mortgage, interest, and escrow. I contacted Ditech via their website where I make payments www.ditech.com. I complained about all of the {$1000.00} not being applied toward my principle. They replied they would research the issue. In the mean time, I sent another {$500.00} via check by mail. When I check again in XX/XX/XXXX, I noticed that the payment was all applied to my principle. Then in XX/XX/XXXX, I noticed that the principal balance changed again and seemed to be missing about {$230.00} from the principal balance. I sent another complaint via their website in XXXX 2017. To date, I have not gotten a response about why my extra payments have not been applied appropriately. I would like Ditech to be investigated for the correct balance of my mortgage 's principal balance. XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation