milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: A friend of mine agreed to wire to my Bank of America ( " BofA '' ) account a simple {$1000.00}. 
We expected the XXXX weekend to cause a timing inconvenience, but we never expected BofA to take absolute control over my accountissuing unauthorized and unapproved wire transfers out of my account setting upa series of chain reactions. 
It put me at peril because I was unable to meet my rent obligations not oncebut XXXX to my landlord in a XXXX-week 's period. 
First the money is there then it is not, then it is again, etc. 
I lost wages because I had to sit in XXXX ' hot afternoon sun protecting mybelongings from marauders. 
It caused untold amounts of XXXX not knowing what new and utterlyridiculous twists BofA would foster upon my account. 
Furthermore, BofA definitely put me at risk of losing my recently-acquiredjob and career. 
I finally contacted another friend who transferred money via XXXX money transfer service to my account. 
It worked perfectly. 
XXXXThis is what happened ; Instead of wiring {$1000.00} to my account, BofA sent {$1000.00} to my friend 's account. 
This put my account in the red and incurred fines and fees. 
BofA apologized and agreed to reverse the fees claiming it was a simple clerical errorUnfortunately, as wealthy as they are, I would have to wait days until theycould clear up the error, refund my money, and pay me the money owed. 
No way, no how, even though they admitted their error. 
In the meantime, I got evicted due to lack of funds. 
My property was out on the streets. 
And, I lost time at work. 
And, I got assaulted protecting my property. 
And BofA is very sorry. 
Next day, BofA is evidently still on holiday so nothing happens. 
I got a friend to help me out an get off the street. 
The next day, BofA finally credits my {$1000.00} but not only reverses it, they issue another wire against my account incurring more fees and fines. 
This is a nightmare. 
Evicted. again! 
Lost work, again! 
My account is negative and even if a friend sends money, BofA gets it first. 
Of course. 
So, I suffer some more all because BofA ca n't handle a simple wire transfer...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Mortgage debt) with WELLS FARGO & COMPANY (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am sure that what I am describing you already know about it. I have made a complaint in XXXX regarding the fraudulent activity from Wells Fargo Home Mortgage and nothing was done. I am convince that nothing will be done this time either. However, I would like to make sure that I document everything that CFPB is not doing to protect the homeowners. 

Wells Fargo has been on the new one too many time and despite that we ask for help the millions of dollars in fines for breaching their contracts or agreements continues allowing WELLS FARGO HOME MORTGAGE TO CONTINUE DEFRAUDING THE CONSUMER. 

Wells fargo has done everything to take my house today XX/XX/XXXXmy house was sold in auction. It is very sad and frustrating to be feeling powerless because not even a government agency can take down a corruptible institution. The robo signing continues to this day, the false affidavits continue, the overcharges continue and the loan modification were denied despite the homeowner can afford the payment, but the house had equity and the banks wants that equity. I am requesting the assistance of the CFPB to sit down with me and WELLS FARGO HOME MORTGAGE. I would like XXXX to lie in front of you when I take one letter after another of how they have overcharge as they wish and how my loan modification were wrongfully denied. How they blame the use of the TREASURY FORMULA as the responsible party for denying the loan modifications and since it was a complex formula nobody new really how to explain it so do n't even bother asking a question. The investor was WELLS FARGO BANK AND MY LOAN WAS A PICK A PAYMENT LOAN. WELLS FARGO DURING THE MERGER WITH XXXX PROMISED TO ASSIST HOME OWNERS WITH PICK A PAYMENT LOANS. MY LOAN WAS ONLY XXXX DOLLARS AND THE VALUE OF MY HOME WAS XXXX WHEN I REFINANCE IT. THE LENDER KNEW i HAD EQUITY ON MY HOUSE AND THIS IS THE REASON WHY THEY DID NOT WANT TO PROVIDE ME A LOAN MODIFICATION. FOR THE FIRST 4 YEARS THE WFHM DID ABSOLUTELY NOTHING TO PREVENT FURTHER DEFAULT. THEY WOULD NOT WANT TO ACCEPT MY MONEY OR RE-PAYMENT PLAN. 
ALL THEY WANTED WAS INCREASE THEIR COOKIE FEES OVER CHARGES ON EVERYTHING AND REFUSED TO ASSIST ME WITH A LOAN MODIFICATION. THE EXECUTIVE OFFICE IS AS CORRUPT AS EVERY OTHER DEPARTMENT OF THAT LENDING INSTITUTION. I WONDER WHERE DOES ALL THE MILLIONS OF DOLLARS THE CFPB goes because we as consumers are not seeing any change on the way XXXX conducts business and as a consumer I am not seeing any benefit either. 

I am asking for a full review of my loan modification or the record keeping of my house, loan modification denials and false documentation recorded. I would like to be part of a meeting with wells fargo as well.

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 12/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX has a collection on my file that is outside the statute of limitations as provided by federal law. I have enclosed a copy of the Trans Union file that shows that the last payment I made on the account was XXXX. I disputed this in XXXX and Trans Union violated federal law by leaving this on the file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I opened this account in XX/XX/XXXX with XXXX, in the amount of {$3600.00} this account is now showing up with another lender ( XXXX XXXX ) I have not had any contact or activity on this account with anyone from XXXX since at least XX/XX/XXXX ( best guess ). I have not signed any new papers or taken any new loans with either XXXX or XXXX, XXXX. This needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: 1.CHASE CHECKING XXXX VIOLATED CONTRACT WITH XXXX XXXX BY CHARGING {$68.00} FOR TWO {$34.00} OVERLIMIT FEES. 

; ; ; ; ; ; ; 2.CHASE CHARGED {$34.00} OVER LIMIT FEE FOR AN ACH CHARGE TO PAY XXXX A BILL PAY. THIS IS NOT PERMITTED UNDER CONTRACT. 
; ; ; ; ; ; ; ; ; ; ; 3.WHEN THERE IS NOT ENOUGH MONEY FOR CHASE CHECKING TO PAY A BILL PAY, FUNDING FAILED SHOULD APPEAR NOT A {$34.00} OVER LIMIT FEE. 
; ; ; ; ; ; ; ; ; ; ; ; 4. XXXX XXXX REQUIRES CHASE TO CREDIT BACK {$64.00} IN OVERLIMIT FEES IMMEDIATELY OR HE WILL SUE CHASE IN SMALL CLAIMS COURT. 
; ; ; ; ; ; ; ; ; ; ; ; ; ; ; 5.XXXX XXXX WANTS THE MONEY BACK RIGHT NOW AND PERMANENTLY NO MORE EXCUSES OR DELAYS. ACH IS NEVER A REASON TO CHARGE OVER LIMIT FEE AND CHASE KNOWS THIS. 
; ; ; ; ; ; ; ; ; ; ; 6. SECOND PROBLEM IS CHASE PROMISED FREE CREDIT SCORE, BUT, OF COURSE, AS TO BE EXPECTED WITH THE BANK THAT SCOUNDREL XXXX XXXX FOUNDED, I NEVER GOT THE CREDIT SCORE. CHASE DISCRIMINATES AGAINST USERS WHO DO NOT HAVE CELL PHONES.
; ; ; ; ; ; ; ; ; ; ; 7.GIVE ME THE {$64.00} BACK PERMANENTLY NOW AND GIVE ME MY CREDIT SCORE RIGHT NOW AND SEND YOUR ANSWER BY USPS POSTAL MAIL AS WELL AS BY ELECTRONIC. 
; ; ; ; ; ; ; ; ; 8.NO MORE EXCUSES FOR FAILING TO ABIDE BY CONTRACT WHICH CLEARLY STATES BILL PAY CAN NEVER BE THE REASON FOR CHARGING ME OVER THE LIMIT. CHASE WAS SUPPOSED TO PAY XXXX BY BILL PAY  BUT NEVER DID.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: THIS CONSUMER FINANCIAL PROTECTION BUREAU ( " CFPB '' ) COMPLAINT ( S ) IS ( ARE ) RELATED TO MY PREVIOUSLY FILED CFPB COMPLAINT ( S ) AGAINST YOUR SO-CALLED, XXXX CREDIT REPORTING AGENCY/CORPORATION THAT IS ( ARE ) DOCKETED AT XXXX, ET. AL. I HAD THIS BANK OF AMERICA ( " BOA '' ) CREDIT CARD SINCE THE YEAR OF XXXX, AND I HAD NEVER EVER BEEN LATE WITH A PAYMENT, AND/OR EVEN EVER MISSED A PAYMENT, AND ETCETERAXXXX IT WAS NOT UNTIL NEGATIVE CREDIT INFORMATION PURPORTEDLY APPEARED ON MY SO-CALLED, XXXX CREDIT REPORT WAS WHEN YOUR SO-CALLED BANK OF AMERICA HAD DECIDED TO TOTALLY ILLEGALLY AND TOTALLY UNLAWFULLY AND TOTALLY FRAUDULENTLY AND TOTALLY WRONGFULLY, AND ETCETERA,  CLOSED MY BOA CREDIT CARD ACCOUNT WITH ITS HIGH CREDIT LIMIT. YOUR BOA HAD ALSO TOTALLY ILLEGALLY AND TOTALLY UNLAWFULLY AND TOTALLY FRAUDULENTLY AND TOTALLY WRONGFULLY, AND ETCETERA, LISTED MY MINOR DAUGHTER, " XXXX '', AS A CO-OWNER/CO-BORROWER OF MY BANK OF AMERICA CREDIT CARD ACCOUNT ( S ). EVEN AFTER I HAD REPEATEDLY STATED TO YOUR BOA, THAT MY DAUGHTER, " XXXX '', WAS MINOR, THEREFORE, COULD NOT BE LEGALLY RESPONSIBLE AND/OR LEGALLY ASSOCIATED WITH ANY CONSUMER CREDIT CARD ACCOUNTS, ET. AL. I HAD ALSO STATED TO YOUR SO-CALLED, BOA, THAT THERE WAS/IS ONLY ONE PERSON/INDIVIDUAL THAT WAS/IS EVER ASSOCIATED WITH SAID BOA CREDIT CARD ACCOUNT, WHICH WAS/IS, ME, XXXX 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 04-06-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Transaction issue

Complaint: Received my Chase Credit Card Monthly Bill and did not recognized {$20.00} charge that appeared from XXXX XXXX XXXX XXXX XXXX CT. The phone number is out of service. There is no web address. I reported the charge item to Chase. On XXXX, this phone number is linked to fraudulent company. If all Commercial Banks are notified that this is a fraudulent account, why are n't they required to identify this phone number on all their XXXX Card accounts, many consumers will overlook a {$20.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Bank account or service (Savings account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Deposits and withdrawals

Complaint: I just read an article in the XXXX XXXX XXXX about Citizens bank being fined for botched deposits. Well it just happened to me, so they are still doing it to consumers. 
On XXXX/XXXX/15 I deposited a check for {$3700.00}. Fortunately I had the check photo printed on the receipt and it only shows {$740.00}. On XXXX/XXXX/15 I went to the branch and they said it would take up to 10 business days for me to get my {$3000.00}. I think this is not right! You should fine them some more.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Consumer Loan (Vehicle loan) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Managing the loan or lease

Complaint: I purchased a new car on XXXX XXXX. The car dealer called Citizens Bank to get a 10 day payoff on my loan, good till XXXX XXXX. The dealer sent the check the next day. When I balanced my checkbook on XXXX XXXX. I noticed that Citizens bank had taken the automatic payment out of my checking account at XXXX XXXX XXXX Bank. I called Citizens and they stated that they did not close the loan until XXXX XXXX. ( stating that they did not receive the check until XXXX. XXXX. ). I told them that I did not believe that the check took that long to arrive. XXXX told me a check was issued to me for the amount overpaid, they deducted additional interest. Today ( XXXX XXXX, ) I called Citizens Bank again and talked to a supervisor named XXXX, because on XXXX XXXX. I received a letter that the loan had been paid in full ( dated XXXX, XXXX ) but no refund check was included. XXXX stated that they hold any over payment for 10 business days after the loan was satisfied and that my check would be mailed out on Wed. the XX/XX/XXXX.. I questioned her about the delay in posting the dealer payment and she first stated that sometimes it takes 3 or 4 business days to post, then she said they did not receive the check till XXXX XXXX I again told her that I did not believe this and asked where is my money. She then stated that they hold the over payment for 10 business days. I asked her why, and she simply said that is their policy. I asked her if I would receive interest on my money and she stated no. I believe that Citizens bank is deliberately delaying the posting of payment and the return of consumer 's money to make additional interest for the bank. If this is not illegal it should be, it does hurt the consumer and is not ethical. My amount of money lost is minimal but if they are doing this on thousands of car loans a month, then the additional interest earned for them could be staggering. I still have another car loan from Citizens Bank and I am afraid when I trade that car in another year I will run into the same problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AFNI contacted me by letter in XXXX claiming they took my debt of {$2500.00} from a XXXX XXXX provider in XXXX, CO. I have never had XXXX XXXX nor lived in XXXX, CO. I replied via Certified Mail to contest the claim and they responded with a fake account number from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Mortgage (Other type of mortgage) with CITIBANK, N.A. (GA).
Issue: Struggling to pay mortgage

Complaint: I have a second mortgage with Citimortgage. In XXXX 2017 I called Citimortgage and told them I lived in an area that had been impacted by Hurricane Erma and I was requesting help from Citimortgage while I got back on my feet financially. The customer assistance rep was polite and told me they would be happy to help and transferred me to the " help Line ''. I talked to a woman who identified herself as XXXX, when I explained my situation to her and the fact that my daughter was in pediatric intensive care with life threatening XXXX, she laughed and told me that my personal problems were not Citimortgages concern. She then began a long monolog about refinancing my mortgage and prequalifying and filling out required forms and I hung up. Since Citibank has me locked out of my account I have not been able to make a payment since XXXX. My current balance is about 3600.00 My monthly payment is XXXX. I do n't dare send them a check or money order. They do n't get credited to my account. I did not choose Citimortgage. My mortgage was sold to them. I have never gotten decent treatment from and have been charged late fees for payments that were not late. I can not provide proof because I can not access my Citimortgage account. Oh, my requested was not just whining. My daughter has been to the ER six times since XXXX and four of those trips resulted in extended hospital stays.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They continue to call and do not owe debt. They will not give me their companies information or my account #.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: My citicards credit card expired XX/XX/XXXX  but I did not check on why I did not receive a replacement until  XX/XX/XXXX  since I was unexpectedly  XXXX  during that time. I called the number on the back of the card,  XXXX , and asked and was told my account was closed. I gave them my new address and they said that they would send me a copy of the letter stating the reasons to my new address and that they could not tell me anything over the phone. I never received that letter and do not know why my credit card was cancelled. Their customer service is not helping 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 explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX has not proven or justified the issue of the California All Purpose Certificate of Acknowledgment to how XXXX XXXX XXXX the notary sign and Witness me being XXXX XXXX personally appeared on the document to make the instrument being the deed legally binding. 

I have attach the document as proof and have sent it to document places to get the document verified as it is the same signature that did and sign and fill out the document. 

XXXX XXXX XXXX XXXX has yet to give a truthful answer its all ways something I did not request or some slick talking or trying to act as if there not at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I had an insurance claim and Nationstar Mortgage is listed on all of the checks. I had to send the final check for withheld deprecation to them. They have been holding the check for months and they refuse to release it. They tell me something different everytime I call. I was told they would release the funds when the inspection came in at 90 %. The inspection came in at 97 % but they still refuse to release funds. They wanted paid in full receipts for the work and I sent those. They refuse to release my money and they continue to request the same documents over and over again. They are determined to keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Medical) with Hollis Cobb Associates (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: On XXXX XXXX, 2016, I received my first communication regarding a supposed debt from Hollis Cobb Associates, which is a collection agency. The agent, however, failed to advise it was a call from a debt collector but instead falsely advised it was a call from a doctor 's office. Moreover, the supposed debt is invalid, yet I was not provided the information required by the FDCPA in an initial communication so that I can submit a written dispute and request that I receive no further telephone communications.

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 03/25/2015 about Debt collection (I do not know) with The Regional Adjustment Bureau, Incorporated (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Representatives continue calling to speak with an employee of this company through our business phone line and have been told that employees can not use the business phone for private calls and to cease calling. Calls have continued despite repeated conversations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I was called from XXXX on XXXX/XXXX/2015 at XXXX reguarding a debt with XXXX XXXX XXXX. The person who called me did not identify the name of the company and simply asked for me by my first and last name. When I said yes XXXX said that she was calling for a account with XXXX XXXX XXXX and I owed {$1000.00} something then went into settlement and payment options so much as offering me a settlement at 50 %. There was no mini Miranda given at any point and I was not notified the calls could be recorded and did not verify who I was by using verification methods such as last XXXX of the social security number or mailing address. I told her I would call back. I recieved a call at XXXX XXXX XXXX/XXXX/2015 and the same person left a voicemail stating I did not call her back. I called back their number XXXX ext XXXX. She again did not identify the company name. I gave her my phone number and she looked up the account and again simply asked for me by first and last name. I asked how much is owed and she went right into the account. I asked her if she was a debt collector and she said yes so I asked why she would give out personal information without verifying who i was. She stated that she asked for me by using my full name middle name and suffix included which she did not. I told her that she did not disclose a mini Miranda as well nor state the calls may be recorded. She said she didnt have to give me a mini Miranda and I asked to speak to a supervisor. She said she would transfer me and she then hung up. I called back and she said she did not mean to hang up with sarcasm in her voice and transfered me to a supervisors voicemail. I left a message stating that this is the XXXX time in less than XXXX hours that information has been given out without proper verification and have not received a call back. It took me looking up the phone number on XXXX to figure out the name of the company is National Credit Adjusters and this is not the XXXX time they have done this. I could have easily given the phone to someone next to me and they would have given any information that the person asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Global Credit & Collection Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Continuous letters requesting payment of debt not owned by me.

Company response to consumer: Closed
Consumer complaint received 06-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Immediate Credit Recovery (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my student account from the XXXX College of XXXX and there is a so-called " Hold '' from ICR ( Immediate Credit Recoveries ). I 've never done business with this company and I pay my tuition with Federal Financial Aid and have already resolved my payment option through the Financial Aid Office of my University. I have not received any written nor electronic communication from this company nor from my school about this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation