milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-03-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: I have a legal agreement with Chase Bank, on repeating payments on my rent to XXXX XXXX XXXX in th amount o {$150.00} each month since XXXX 2015. This month of XXXX 2015, when I receive my SSA on the XXXX and XXXX of the month, Chase debited my account for the rent. It was by legal agreement to be on the XXXX of each month. On XXXX XXXX, 2015, I had {$230.00}, therefore funds to be paid. If they had debited my account the said amount, on XXXX XXXX, 2015, I would have {$380.00} instead I have {$180.00} an difference of {$200.00}. They shorted my account, by not legally debited my account on the XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Problems caused by my funds being low

Complaint: I was accessed an overdraft fee for a little over {$1.00} being overdrawn for less than a few hours. I 'm not denying the validity of {$35.00} fee, but I would like it waived as I do n't feel that the circumstances surround the fee justify it 's amount. I also received another {$35.00} overdraft fee, two days later, when my account, once again, was overdrawn for less than a few hours. 

On XXXX, I called the call center XXXX times and spoke with XXXX different managers. They all told me the same thing - we waived a fee for you in XXXX and we 're not going to do it again. And each time I told them that I would leave the bank, they said " we 'd hate to see you leave, but we 're not returning the fee. '' I even went above them and called a Customer Advocate who told me the exact same thing - I was confused who she was advocating for at that point, because it was clearly not the customer. And the same thing with her - she was willing to let a loyal consumer leave the bank before she budged an inch with waiving the fee. On XXXX, after being assessed the second {$35.00} dollar fee, I used the " chat with us '' system. I told the customer service representative what had happened, and he stated that if it was going to be resolved by being taken off of my account, than the first representative would do that. I then told him that I was going to file a complaint and he insisted that I wait for his manager. While waiting, I received numerous " we 're busy, we 'll be with you in XXXX minute '' responses. Nothing was resolved. 

I 've been with Bank of America for over five years. It has n't always been perfect, I 've gotten overdraft fees before - I 've paid some and I 've had some waived. At the end of the day, I 'm still a good customer with XXXX accounts, a credit card, and I 've told many people good things about the bank when they inquired about where they should do their banking. 

I would like to see the bank waive the {$70.00} in overdraft fees. If they are not willing to do that, than I would like to withdrawn my funds and begin banking somewhere that wants my business more than they want a fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Aldous & Associates, PLLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I keep on getting calls from this Aldous & Associates collection agency. They are claiming that I owe a debt for a gym membership, the thing is I have already delt and payed off this debt with my gym physically in person. I still keep receiving calls from them.

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 explanation
Consumer complaint received 08/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (MN).
Issue: Application, originator, mortgage broker

Complaint: This complain is against U.S. Bank Mortgage Home Mortgage, XXXX Minnesota office. 

I provided financial information to the Bank as requested, in order to start the processing of my mortgage loan application. The Bank then filled out the Uniform Residential Loan Application ( XXXX XXXX Form XXXX ) and returned the form to me for my signature. The Uniform Residential Loan Application as filled out by the Bank misstated significantly my financial condition. I was instructed, nonetheless, to sign it, even thought the line above the signature box stated : '' I/We fully understand that it is a Federal crime punishable by fine or imprisonment or both to knowingly make any false statements concerning any of the above facts [ my financial condition ]. ... '' While I questioned U.S. Bank, as instructed, I did sign the incomplete Uniform Residential Loan Application. However, I remained concerned with U.S. Bank 's actions. Therefore, I drafted a properly completed Uniform Residential Loan Application and provided it to the Bank. Thereafter, for reasons unexplained to me, the Bank purposefully burdened the application process with requests for documentation that were not timely in relationship to my expected closing and were unreasonable in number and in the nature of the information being sought. 
Several days before the closing when the Bank was still asking for documents and would not commit to fund the loan, I sought financing elsewhere. I believe the Bank purposefully burdened the entire process on account of my insistence that the Uniform Residential Mortgage Application be truthful. 
I feel that U.S. Bank 's actions in insisting that a mortgage applicant sign a document that is not correct and that might subject that person to prosecution for a crime to be wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Consumer Loan (Vehicle loan) with VW Credit (AZ).
Issue: Managing the loan or lease

Complaint: the payment portal is not functioning and customer service refuses to rectify and practices deceptive compliance

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received an income execution dated XXXX/XXXX/16, from XXXX and XXXX, which are the attorney 's for XXXX Receivables, however neither of these agencies have proviced me twith proof of this debt, or even who the original creditor is. 
I have requested documentation, as well as justification for the {$2000.00} in interest charges, which seems to be an exorbitant amount, on the original amount of {$2200.00} that they have indicated that I owe. This amount of interest charged, should be illegal and improper! 
I am working a full-time job, earning only {$12.00} per hour for a total gross of {$480.00} per week. At this time, I am paying {$200.00} per month due to this income execution. I am only bringing home {$320.00} per week or {$1200.00} per month ; which I use to support myself and my XXXX brother ; without assistance. It almost makes me think that being employed is pointless. 
I am already living below poverty level and these unfair debt collection practices and the debt collectors prey on people who they already know do not have the money or resources to challenge them. 
Any follow up or assistance that your agency can provide me with I this matter would be extremely helpful and greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: 20 YEARS AGO, TRANSUNION GAVE ME A CORRECT CREDIT REPORT. But now, they won't let me sign in to get a report, claiming " We are unable to confirm your identity What happened : The Identity Security System confirms your identity through a series of questions based on accounts and personal information contained in your Free Annual Credit Report. The system was unable to get enough information from the Free Annual Credit Report to complete this process. '' -- - This Happened XX/XX/2018 after the 1st question.

The OTHER 2 agencies have no problem. I tried to get a mortgage loan a couple weeks ago, and Transunion reported incorrect information to my bank, so I wanted to file a complaint.

I had a problem with them 10 years ago, but they put the problem on ME TO VERIFY MYSELF ( send birth cert., Driver Lic , and More ) - there was no CFPB to notify back then. They refused to attempt to verify over the phone ( back then, and I won't bother to repeat the hours on the phone ).

If they would " cross-reference '' my Social Security number with the other agencies, they could clear this up.

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I recently started looking into my credit report because I plan to buy a house in the next year. When I pulled my report I noticed multiple late payments shown under my student loans with  XXXX   XXXX . I called into the customer support line  XXXX   XXXX ,    2017  and inquired about the late payments. The associate confirmed my loans were deferred or in forbearance at the times of the reported late payments. Since there is no way to report my loans as current and late at the same time I requested the derogatory information be removed from the my reports. The associate informed me  XXXX   XXXX  would not be able to do that. I have sent letters to the company and am currently awaiting a reply.

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 11-03-2016 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was due on XX/XX/2016. I was behind due to illness from family and was working overtime to pay. I just got paid on XX/XX/XXXX and was behind in utility bills, so I paid those bills and with next paycheck to be directly deposited on XX/XX/2016 I was going to pay my mortgage. To my surprise Navy Federal went into my checking account and debit my mortgage payment, without authorization from me or my husband. When I called the about it, I was told if my mortgage was 16 days past due, they had the right to go in and take my funds from my account, with no notification. Told me they had control over funds in my account and my account could be frozen with no access granted. I have been struggling to pay, but have paid. This will result in my other bills not paid, like utility, food. I could not believe they would do this, without authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AL).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: Problem with Citi Price Rewind program redemption. Bought a TV at XXXX ( {$240.00} ) and found that the price had dropped {$100.00} the next day and local stores quickly sold out. Citi 's " price rewind '' program supposedly offers to reimburse the difference in price when a price drop occurs. I submitted the required materials for the claim, including my purchase receipt and a screenshot of the lower advertised price with the TV in-stock at another store. Citi rep says claim was denied because they could not verify the advertised price over the phone with an store associate. The did not even get a name of the person from the store. 

The submitted screenshot of the lower advertised price was valid and the XXXX associate most likely did not know and/or gave bad info. There is no mention in the T & C 's of this program that a valid advertisement for a lower price needed to be confirmed by a ( nameless ) hourly store associate. 

I have read similar complaints for this card benefit offered though Citibank and wanted to add my story to warn others.

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 06/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian will not remove this item from my credit file. The collection agency " XXXX XXXX XXXX XXXX ( XXXX ) has sent them letters several times to remove it but they will not. Information was sent to the XXXX Court system to vacate the judgement because it was an error but Experian failed to contact the court system and my credit score has dropped because of this. I 've been dealing with this for about a year ( maybe over a year ) and I would like this removed and if possible Experian pay for the damages because I have trying to rebuild my credit and Experian is hampering my progress.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: bank of America morg has remove funds from my acc. checking,, for any amount, anytime, no notification ... .i had boa fraud dept. retrieve my funds so many times,,, on record. also i pay my morg. payment on time not a minute late or a dollar short ... ... .. they say i default on payments,, but checking services claim i did indeed make my morg. payments. morg dept. will no except conformation #. all was resoled XX/XX/2015 ... ... i thought? boa start it again with it all the same trouble,, also a great foreclosure notice,,, expires XX/XX/2015. they now deny it and i always pay have evidence to back all claims. please help everyone says boa is insane! XXXX, XXXX XXXX I DONT NO HOW TO ATTACHED DOCUMENTS,,,,, BUT I HAVE A XXXXLB BOX FULL OF BOA DOCUMENTS,,,,, EVIDENCE ... CAN B MAILED

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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have asked for all 3 bureaus to do thorough investigations of the items that are reporting on my files and they are n't doing what they 're supposed to. I should not have to fill out what is incorrect and send it over to them because I have requested investigations of my entire reports. I just checked my recent reports and now see that an old account that was already disputed and deleted is being allowed to repark on my report as a new account being reported. The name of the company doing this is XXXX and I am aware of my rights that agencies nor bureaus are allowed to park old accounts on your reports. This is my 3rd time asking for a thorough investigation to be done on my credit reports and if this is not done I am prepared to seek legal action against the bureaus as well as the agencies reporting inaccurate information on my reports without any legal and binding contracts.

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 12/29/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, We fell behind 3 payments to US Bank XX/XX/2014 shortly after XXXX. It was then suggested that we apply for the " loss mitigation '' program to make a payment plan. It has been 18 months with us falling further and further behind and we are not allowed to make any payments even though we could have started paying months ago. They ask for the same paperwork over and over since by the time they send it to the " processor '' it 's expired. They just told me I need to fill out everything again for the 3rd time and I feel like this is illegal. I just want to pay the mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been dealing with this for years. I filed bankruptcy in XX/XX/XXXX. Several lenders reported falsely for some time which I finally was able to get corrected except for one lender. This lender would report false info and I would dispute it and then it would be corrected. I at a later time would then find out they reported the removed info again and I then would dispute it again and again it would get updated. Again I just found out they reported last month again using the previously erroneous info that was removed after I disputed it. I again filed another dispute today but I am getting tired of this game. This erroneous reporting is lowering my credit score. This is how I found that they did it again. I got informed from credit watch that my score dropped for no known reason. I pulled my latest credit report today to find XXXX has again reported the previously removed info showing a balance due and that the account is past due. They again changed the account closed date to XX/XX/XXXX when it was closed in XX/XX/XXXX and they are reporting that the account was re-affirmed after bankruptcy which never happened. Not only is the info they are reporting wrong it is an outright lie!

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I have contacted ChexSystems many times advising them of my bankruptcy and they are still continuing to report negative information about previous accounts including balances owed on those accounts whenever I attempt to open a bank account, so I am being declined. This is of course inaccurate since I have filed bankruptcy. I have also contacted them to request a copy of my report and they refuse to send it to me. This is harming me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Debt collection (I do not know) with Unifin Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Continue to call after I told them not to call any further. I told them to forward any information to the address on file. They also continued to call other people looking for me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (Medical) with Professional Recovery Management (TN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: This is a medical bill ( 2010 ) that was filed under Chapter XXXX Bankruptcy in the amount of {$130.00} for XXXX Specialists in which the creditor did not file a claim. XXXX shows this medical bill ( 2010 ) in the amount of {$73.00} for XXXX XXXX XXXX XXXX ... .this is the same place. I have called and talked with XXXX about this medical bill. She informed me that there is no balance on my account and that XXXX Specialists did all of the XXXX procedures in the XXXX center at the same address : XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX TN. At the time of my procedure it was all XXXX in the same, until they went through transition with another medical center. The creditor did not file a claim with the courts when they held a meeting of all creditors. Since this time they have been bought out by several hospitals and there seems to be no balance showing under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX  inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX While checking XXXX XXXX I noticed that it showed I had a number of hard inquiries ... the XXXX listed above where all made on the same day that I purchased a car. It seems the car dealer shopped around to find me the best rate, but according to the following, the XXXX inquiries should only be showing as XXXX ... XXXX does not have a way to dispute this and no luck contacting credit bureaus. 

" When youre buying a home or car, dont let a fear of racking up multiple hard inquiries stop you from shopping for the lowest interest rates. FICO gives you a 30-day grace period before certain loan inquiries are reflected in your FICO credit scores. And FICO may record multiple inquires for the same type of loan as a single inquiry as long as theyre made within a certain window. For FICO scores calculated from older versions of the scoring formula, this window is 14 days ; for FICO scores calculated from the newest versions of the scoring formula, its 45 days.Similarly, the XXXX model gives you a rolling two-week window to shop for the best interest rates for certain loans. That way, they only impact your credit score once, the company says. ''

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