milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2016 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Problems caused by my funds being low

Complaint: I had this account for 15 years. At that time it was XXXX, then that was sold to Metro bank, and now First National bank bought it. I never had a problem until First National bank got into the picture. The buried me in overdraft fees and any other fees they could think of. They took XXXX direct deposites and paid themselves, at that point there is no funds to pay anything else. I was n't aware this was going on because one the bank card was demagnitized, two I felt my direct deposites were covering my charges which were XXXX dollars XXXXdollars gas food, and the big one was paying the rent. My direct deposite is from a part time job, however it 's important to me because it helps me pay the rent, I 'm a widower I live with XXXX kids and put food on the table. What I do n't understand about First National bank is that why is it when there is insufficient funds they do n't simply close the account instead of charging overdraft fees. They do n't have anything written that they have the right to have overdraft fees, so I do n't understand how they can charge me fees take everything then hand it over to a collection agency. There is something fundamentally wrong that allows a bank to do this, to the point of bankrupting an account holder. I have been in contact with them on Fridays because that was the only time I had available, one gentleman looked at my account looked at the fees, then said he did n't have the authority to waive any fees and directed me to his manager XXXX XXXX. She was supposed to get in contact with me and never did, I went back the following Friday and told him what I wanted which was to have my direct deposites returned to me because I earned them, second I want the fees waived, thirdly I want the account closed. He wrote that down and told me the regional manager has the authority to do so his name is XXXX XXXX, and then never heard a word from him. Meanwhile I feel as though they were stalling, eating out the clock so they can bring it to a collection agency so they do n't have anything to do about it. While this was going on I opened up another account and had my money moved to that account because it would have been an endless viscious cycle. That other account, there 's an agreement that if there is insufficient accounts there would be a decline when swiped. To have this thing go one and owe an exuberent amount of money baffles me and the only thing I can conclude on is that this is how the bank makes its money. So they are looking to create scenarios to look into your account and to go around doing this. As I stated before First National bank has no agreement to take my money to charge me, nor did I agree to their policies on how they run their business. I 'm a struggling guy and when I lost those direct deposites it was devistating.

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 07/21/2015 about Mortgage (VA mortgage) with loanDepot.com, LLC (ND).
Issue: Application, originator, mortgage broker

Complaint: I recently applied for a VA Home Loan through Loan Depot. XXXX XXXX, Senior Mortgage Banker, XXXX XXXX XXXX XXXX, XXXXXXXXXXXX was the contact. It was XXXX/XXXX/2015. I paid Loan Depot {$2500.00} for the Lender, ( Loan Depot ) to get this loan for me and lock my interest rate in at 3.75 %. Between XXXX and abstractor, the process of closing this loan was so slow that my loan interest rate of 3.75 % unlocked and through no fault of mine that I can see, I lost my interest rate of 3.75 %. On XXXX/XXXX/2015 I was forced to pay Loan Depot another origination fee of {$2600.00} PLUS an additional fee of {$1300.00} to secure a HIGHER rate of 3.875 %. XXXX XXXX, Sr. Account Manager III, ( XXXX ) XXXX tel/fax, ( XXXX ) XXXX ext. XXXX, XXXXXXXXXXXX dealt with XXXX and abstractor. 
The amount of time it took for XXXX to get the paperwork in order was very slow. As far as I am concerned Loan Depot knew full well that it was not me dragging my feet or holding up the process but they went ahead and raised my rate and hit me with new charges anyway. I considered that unethical but I signed anyway before they raised the rate against my will again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report

Complaint: Chase is reporting to only XXXX that I have 120 day lates from XXXX to XXXX and the date of last activity and account closing was in factXX/XX/XXXX and should n't even be reporting anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (I do not know) with First Recovery Solutions, Inc. (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been getting phone calls for a year, sometimes daily, from a company called First Recovery. When I answer there is a recording stating who they are calling for, which is n't me. It tells you to hang up if you are not the person they are trying to reach, however if you do this they will just continue to call. I have waited on the line to tell them I am not the person they are trying to reach and to please remove me from their list. Sometimes they seem to take me seriously and sometimes they just hangup, either way they continue to call. Last week I stopped answering and they have called me every weekday for the last 7 days. The phone call usually comes from XXXX.

Company response to consumer: Untimely response
Consumer complaint received 04/17/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Credit decision / Underwriting

Complaint: I refinanced my home loan through the same company we already use for our mortgage, Carrington Mortgage services. We closed in front of a Notary on XX/XX/2017 It is now ) XX/XX/2017 and we are not funded and they asked for more money because they calculated wrong. They asked for more money on Monday after XXXX when our loan should 've been funded. I was told it was to be funded Sat after our 3 day period to change our minds. I now worry about my credit and late fees because I was told my part was paid so I used my money I saved to pay off another bill.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Vehicle loan or lease (Loan) with CarMax, Inc. (GA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was shocked when i reviewed my credit report and found a late payment on the dates below : 30 Day Late - XXXX XXXX 30 Day Late - XXXX XXXX I am not sure how this happened, I believe that i had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Consumer Loan (Vehicle loan) with NICHOLAS FINANCIAL INC. (KY).
Issue: Problems when you are unable to pay

Complaint: I have paid for this Auto loan as agreed for the past 3 years. The automobile I purchased had a history of trouble I expressed this with the fianc company and ask that they would re negotiate the contacts due to lack of use of the vehicle. Although I had this vehicle for 3 years I never put over XXXX miles on it because of the condition of the vehicle. The price of the vehicle has doubled from the original purchase price. As a consumer I feel very cheated and the company in question has made no attempt to help me with this problem

Company response to consumer: Closed
Consumer complaint received 10-05-2015 about Debt collection (Medical) with RSH & Associates, LLC (KS).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I had agreed to make a payment with collections company, and provided payment information. The collector called me nearly 30 days later to report the payment was declined, although the funds were available at the time. He failed to state mini-miranda prior to disclosing account information. In addition, he stated he is only required to say it on one call, not any subsequent calls.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: You go to this " school '' in hopes to get an education and to better yourself to end up not being able to. They were localized to XXXX but had a branch in XXXX Out of nowhere the XXXX branch was told to pack up and get rid of everything. Papers, supplies, funiture ... you name it. Those that graduated have been told we cant go to state board due to the schools money fraud. We were lied to and allowed to be robbed educationally and financially. XXXX is a joke. More like XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with PHH Mortgage Services Corporation (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I bought our home in XX/XX/XXXX with an adjustable rate mortgage loan for {$220000.00} through XXXX. This loan was eventually sold to PHH Mortgage, and we are having a problem with this company. Due to unexpected hardship and an increase in the payment due to the interest rate adjusting I missed some mortgage payments. We began trying to work with PHH Mortgage to fix this issue and be considered for modification or other programs they had available. We received letters from PHH Mortgage telling us that they wanted to help and work with us. However, when we tried to follow up with them via phone we found the opposite to be true. We were transferred from one department to another. We were never assigned a single point of contact. We were given conflicting information, and led to believe that there was no help available, even though other representatives and letters from PHH led us to believe that there was help and that we qualified. Besides being confusing it was painful because we fell further and further behind on the loan because of the obstructionist tactics of PHH Mortgage. We are now in foreclosure and PHH is preparing to set an auction date of our home. I served my country proudly as a XXXX and paid on this loan for over 10 years. They have collected thousands of dollars in interest and principal payments from me, and now they are refusing to give me the chance to fix this problem and save my home. 

We had no issues paying on this loan for the first 10 years, and even after I retired from my position as an Industrial Designer we were able to afford the payment. We ran into trouble in XX/XX/XXXX when I began having some medical issues that required large co-pays. The issue was exacerbated when PHH Mortgage began servicing this loan and the interest rate adjusted and our payment went up almost {$300.00} a month. We hung on as long as we could, but eventually started missing mortgage payments. Not long after that we attempted to initiate communication with PHH Mortgage to be reviewed for a modification. My wife was and still is working full time, and I was receiving SSI, so we had income, but due to our hardship and adjusting rate our payment was no longer manageable. 

We believed PHH when they sent us letters stating that they intended to help, that there were programs available for people in our situation and eagerly anticipated working together to restructure and modify our loan. However, we were sadly mistaken. I feel the least they could do is give us the opportunity at resolving this matter. Instead we talk to a different person every time we call and we have never made any progress in getting a review for options conducted and face the real possibility of losing our home to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Credit card () with CITIBANK, N.A. (OR).
Issue: Other

Complaint: Was offered a best buy credit card ( citibank ) in 2014 to purchase a TV for {$1200.00}. Signed up for the 24 month interest free path. I was told if I paid this balance off in 24 months, it would be interest free. However, they did not tell me that if I bought anything else on the card, they would pay that before my interest free balance. So, here I am thinking I am paying off my TV by making monthly payments on time of at least {$100.00} for 24 months. I have just learned that I still have a balance of {$930.00} on that TV plus a pending interest charge of {$700.00} in 26 days. I know that this is my fault as I should have spent more time on tracking my payments, but I feel that best buy should have been more diligent in making sure the consumer understands the rules and that Citibank should be liable for yet another scam.

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 11/27/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage to OCWEN. They were supposed to send me the balance of my escrow account. Their represented stated that I would receive three checks. I only received two. They owe me {$130.00}. They ignored the attached letter which I sent certified and received a signed delivery receipt. 
XXXX XXXX Tel. XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I would like to know, where and who do I need to get in contact with to try and settle a charge off on my account. The Credit card company is telling me its the collection agency and the collection agency is telling me the credit card company that can update and remove the negative report when it 's paid.. 
Please help me with who and where I need to go.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION 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 08/25/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (VA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have been a customer of PNC bank since XX/XX/XXXX, when it acquired XXXX bank ( which I had been a customer of since XX/XX/XXXX ). Recently, PNC changed the terms of my checking account without adequate notice. One day last month I noticed an {$11.00} fee assessed to my account. I used PNC 's online messaging system to request a refund, which was granted. I also chatted with their online service to try to figure out why I was assessed the fee and how I could avoid it going forward. The terms were n't quite clear to me so I went into a local branch to discuss with a banker in person. Even the banker was a bit confused as to what was required to avoid the fee ( apparently I have an old account which they do n't even offer anymore ), but he told me that I either needed keep an average balance of {$1000.00} per month OR I needed to both receive a direct deposit AND pay a bill using their billpay service each month. I do already receive direct-deposit twice a month at least and then I signed up that very same day to pay a bill using their billpay. However, I was assessed an {$11.00} fee again this month. I contacted my banker to ask for a refund and was told that my bill-payment was made 1 day outside the window of my bank statement and that it could not be refunded. I explained to him that the terms had been unclear and it seemed unfair that, although I did jump through the bank 's hoops and do what was required, I was still assessed this fee. And by the way, I had not been made aware of when the bill payment needed to be completed by, so the fee seems unreasonable. The bank 's tactics have been confusing and deceitful. I wonder how many other customers they are doing this to ... and how can they change the terms of my account without adequate notice? Thank you in advance for your time and your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Debt collection (Payday loan debt) with BlueChip Financial (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I got a call from XXXX which comes up on my phone as " XXXX XXXX '' saying I owe XXXX money. 

No clue who these people are and I dispute the entire transaction and think it is a scam debt collection.

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 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GreenPath, Inc. (FL).
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: I hired Greenpath Financial to make monthly payments to all my ceditors and in XXXX of 2017 I was sent a notice form XXXX XXXX that I was late 30 days. I called Greenpath and submitted a dispute to XXXX and I have not been able to remove that late payment nor XXXX XXXX was able to either. I pay my portion To Greenpath each month and they pay my creditors the same day every month, no reason to have a 30 day late Credit Card payment.

Company response to consumer: Untimely response
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: I have disputed inaccurate updates that XXXX/XXXX keeps reporting information as accurate as well as readding amounts already paid. As of today XXXX XXXX 2017 it was updated once again showing that it 's accurate that I owe {$700.00} balance. This account was paid off on XX/XX/2017, even prior to that the balance was less than {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity theft and I'am trying to dispute incorrect Items on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: We made a payment to payoff our credit card after obtaining a mortgage on our home. We called the credit card company several times in an effort to find out if they received the check as it was not cashed. We were told, after waiting for over an hour on 2 occasions, that we sent it to the wrong address, which we advised them was the address on their website. Finally, we were advised that they had received the check, however, there is a credit of over {$500.00} which we were requesting be returned to us by check. However, after calling again at XXXX on a Thursday afternoon and holding on for almost another hour, I was advised by the call center that they were closed and to call back another time. 
Additionally, we received a letter that as the payment was late, this would affect my credit in a negative way. There is no way to speak to anyone and I thereafter wrote a letter to the credit card company. I also went to Citibank to try to get this taken care of, only to be advised that they could not help me. We were also charged a late fee, which I would like returned as they held our check for almost one month before our check was cashed.XXXX To date, some three weeks later, I am submitting this complaint.

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 12-05-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I was charged 2 over draft fees and my account was not over drawn the 2 fees where charged to my account on XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Repeated attempts prove fruitless items still reflect incorrectly even though I was advised by lender they were corrected. I was not allowed y them  XXXX  character rebuttal nor dispute options! This continues to impact my credit severely.

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 12-06-2017 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: My car was damaged at the dealership, XXXX XXXX XXXX on XXXX XXXX in XXXX, New Jersey. The car was financed by Bank of America and it had {$12000.00} in damages by the dealership employee with no valid drivers license. The car is a XXXX XXXX XXXX XXXX XXXX XXXX. The bank has refused to rescind the deal after my car was damaged by the dealership. The car should have been a total loss on XXXX XXXX. The car was fixed by XXXX XXXX XXXX at XXXX Collision in XXXX, New Jersey. My signature was forged on documents that i accepted the car back from the dealership. That is no true. The dealership committed fraud on me and the bank. That is not what I paid for when i bought the car on XXXX XXXX from XXXX XXXX XXXX with a XXXX mile extended warranty. I want this problem rectified.

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