milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-06-2016 about Debt collection (Credit card) with Colony Brands, Inc. (MD).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I was called by Monroe and Main credit department at XXXX! They left a voicemail on my cell phone for a {$40.00} payment that was past due by a few days!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed this Account on many occasions with XXXX, Transunion and XXXX  about the Inaccurate reporting and each time it comes back as verified. I have sent an email to XXXX XXXX XXXX regarding this issue and have n't gotten a response back from them. 
Date of first delinquency show XXXX Monthly Reporting history show 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 12/31/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed this Bankruptcy information previously and it could n't be verified and was removed from my credit file, I see it has been added back on to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I viewed my XXXX credit report in XXXX 2015. I notieced a collection account that was added by Commonwealth Financial XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ) in XXXX 2015. I never received any letter or phone call regarding this alleged account. Since I found this on my credit report - I contacted, via certified mail, the collection agency and still have not heard anything from them. This collection agency is not complying with the dunning notice requirement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Medical) with CAINE & WEINER COMPANY, INC. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I contacted Caine and Weiner - XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX to discuss installments to take care of an old and disputed ambulance debt. In setting these up, I happened to ask about a settlement cost. The kid put me on hold to talk with his manager and then returned to tell me that a " settlement '' of the debt could be attained for {$920.00} and change. While this was a hideous amount for me to budget, I agree to use my XXXX XXXX card to do so. I was told the " settlement '' information would get to the credit bureaus in about a month. I checked the bureaus and they show a balance demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OR).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On  XXXX     2017  My   XXXX   sent a certified check via overnight mail to Citibank-in the amount of {$9800.00} to address : Citicards, Citibank /  XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , KY, XXXX . The check number is :  XXXX  again in the amount of {$9800.00}.  <P/> I have called ove r 5+times to ask where this payment is-thus far, " no payment has been found '' -this is a lie, as my certified  tracking shows mail was delivered.  <P/> Where is my payment?  <P/>  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 non-monetary relief
Consumer complaint received 11-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX did not properly record the fact i returned their equipment and is trying to collect a {$100.00} penalty. I 've spoken to customer service reps who have documented numerous attemps by me to request promised shipping documents. When the shipping instructions finally arrived, I properly boxed up the equipment and set back as instucted. Now XXXX is tying to collect a penalty for late return when in fact it was their failure that led to the late return. customer service reps have told me that all charges were reversed due to their error, but yet I am still receiving collection notices from third party agencies and AFNI

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Fifth Third Bank has a deposit practice of " holding '' a deposit depending on account activity for up to 7 business days if you deposit a paper check. It is their policy to hold these funds regardless of funds availability by the sending institution. 

I was advised today that based on my account status, EVEN IF THE SENDING INSTITUTION VALIDATED FUNDS AVAILABLITY they would withhold the funds that had already cleared my bank account for UP TO 7 BUSINESS DAYS. Again, regardless of the funds being cleared and available for my account, they will not release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for a review on my mortgage to have the amount due each month reduced with Chase Bank, after a couple of months, Chase came back and offered a " reduction '' which was more than what I had been paying. I declined the " partial payment protection plan '' and continued paying my mortgage without modification. Chase has since reported my account to the credit bureau 's as being under this " payment protection plan '' and now it is having a direct negative impact of more than XXXX points on my credit score. I have filed numerous complaints and made numerous phone calls to Chase to have this issue corrected and reported correctly to the credit bureaus, to no avail. I have not signed any paperwork for a loan modification program and have notified them directly on numerous occasions that they have mis-represented my account status to the bureaus. Chase has flat out refused to make this right and now, as a result, my credit score does n't meet the minimum to apply for a new home mortgage with the VA. Please assist, if you 're able. This is devastating for me, my wife, and XXXX young children. We will be homeless in XX/XX/XXXX and Chase has refused again last week to properly report their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (I do not know) with URS Holding, LLC (ID).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A company called United Recovery services has been continually harassing me with repeatedly phone calls daily about debt they can not provide full information on. I 've called and asked for how they obtained my information, and they hang up. Today, they contacted a family member that they obtained his phone number illegally and without his or my permission, then they proceeded to harass him on the phone, claiming his was lying about his identity. When he asked who they were and what they were calling about, they refused to give any information. This is absurd that a company is allowed to do this and to illegally obtain other people 's contact information and then lie about it.

Company response to consumer: Closed
Consumer complaint received 12/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: XXXX has on their website that users of the XXXX card ( which I have ) get XXXX points per dollar spent on XXXX purchases if you use their special " affiliate '' link. So, every time I shop on XXXX, I make sure to click that link. Eventually I noticed that almost none or very few bonus points would show up. 

I have called XXXX, they told me to wait a month. A few months go by and still no points. I call again, and they tell me to call barclay card. I call barclay card and they tell me that I need to call XXXX. I call XXXX, they tell me I need to call XXXX. 

It has been months and I still do n't have a resolution. In addition, XXXX customer service reps have been incredibly rude about this and say things like " maybe you do n't know how to do it correctly ''. 

I spent over {$32000.00} on the card in a few months and the fact that I am treated like this is a joke. I am about to cash in my points and cancel my card, my XXXX service and never use barclay card or XXXX again.

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 06/17/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is from a XXXX hospital, I do not have any XXXX. 
I called the hospital direct n they have no records of my name showing anywhere and they also told me they do n't use this company for there collection services. I also spoke to the collection company the hospital does use and they have no records anywhere. I XXXX this company and the number that shows is not in service. How do I respond or try to get this resolved if there is no phone number or email address to explain to them that I do n't have XXXX and that I do n't go to that hospital. I go to 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 01-08-2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (SC).
Issue: Struggling to pay mortgage

Complaint: I am having trouble getting the mortgage servicer to speak with me. The mortgage company is Seterus. I am going through a divorce. My ex-husband is the person who borrowed the money, but I am on the deed and I also signed the mortgage. He moved out and down to Florida ( Im in South Carolina ) in XX/XX/XXXX. He has been court ordered to make the mortgage payments since XX/XX/XXXX, but has not done so. We got help from the hardest hit fund ( SCHELP ) to reinstate the mortgage through XX/XX/XXXX or XX/XX/XXXX, but he did not make any payments after that like he was ordered to do. I was sued for foreclosure in XX/XX/XXXX and I am trying to save my home. I am a XXXX senior citizen, and I do not want to be homeless. 

I have tried to speak with Seterus maybe six times in the last six months or so, and each time the Seterus representative refused to speak with me. I am a part owner of the property, and my name is on the mortgage along with my exs. I want Seterus to speak with me so that I can try to save my home from foreclosure now that my ex has abandoned 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 11-05-2016 about Payday loan () with Big Picture Loans, LLC (OK).
Issue: Charged fees or interest I didn't expect

Complaint: Hello my name is XXXX XXXX and I am writing in regards to the company known as Big Picture Loans. On XXXX XXXX I was approved for a loan that was set for XXXX dollars. Upon receiving the loans I was told by the representative via phone that there would be a charge finance charge in the amount of XXXX but I still took the loan. After accepting the loan that I noticed that my first payment was more than what I was told over the phone. So of course I contacted them but they were no help at all. I was placed on hold numerous times only to be let down after every hold. So I reviewed the email that they sent regarding my loan after I was approved and reviewed the truth in lending disclosure ( in which by the way I had no idea about upon receiving my funds ) The APR of the loan was 989.1897 % with a finance charge of {$6000.00} ... .Also stating my payments would be XXXX after paying off the loan. I was extremely confused as to why this information was not given to me before I accepted and I have only made one payment. But I am for sure that with an APR that high that this is illegal. I would not have had a problem paying off the loan amount had it not been XXXX XXXX dollars but I am even more upset because I was lied to and information was hidden from me before accepting. Please look into this company because it seems like a major scam and I am hoping that you all can help me get this issue resolved. Thank you so much for your time and have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: 1.Wells Fargo has sent me several Pick A Pay Loan Disclosures for loan # XXXX XXXX XXXX and each one has a different hand print and different dates and different address stated for the same disclosures. The Pick A Pay Loan Disclosure WAS NEVER SIGNED more then once. This is fraud that needs to be addressed. 
2. I am faithfully addressing the issue by requesting Wells Fargo Home Mortgage to accept a Certified Affidavit for Forgery Signature from a Handwriting Exert. 
3. I am requesting the address of were I can send my Certified Affidavit for Forgery Signature and name. 
4.Wells Fargo Home Mortgage will send me copies of documents but when I ask for a exact answer about a document Wells Fargo Home Mortgage over many months will not answer my question or give vague answers. On the document Wells Fargo Home Mortgage sent called the " Note " dated XXXX XXXX, 2004. On this Note Document I do n't understand what the address of : XXXX XXXX XXXX, XXXX, CA. XXXX has to do with the Note that is supposed to be for address : XXXX XXXX XXXX XXXX. 
5. I am not getting the answers to my questions I am requesting the mailing address of the CEO of Wells Fargo Home Mortgage in order to correctly address my loan concerns. 
6. I am now requesting the direct contact number to the fraud department Wells Fargo Home Mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am continously reviewing the particular debt on my credit report and i have not recall of this debt. please i am requesting the incurracte reporting on my credit report to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (WI).
Issue: Problems caused by my funds being low

Complaint: This complaint is in regards to First Merit Bank, which is currently merging with XXXX. 

I 've had an ongoing issue with the bank, which continues to charge excessive overdraft fees and rearranges the withdrawals on my account to incur larger penalties. I 've asked to opt out of the overdraft program, but I was told I could not opt out of the overdraft program when direct debates are made on the account. An example of the questionable tactics First Merit uses can be seen in the latest dispute I had with the bank concerning transactions that took place on XXXX/XXXX/2016. At the time I had {$35.00} in my account, and XXXX transactions occurred that day. The transactions were as follows, {$2.00}, {$4.00}, {$9.00}, and {$50.00}. Regardless of the transaction times, First Merit applied the highest charge first, which immediately overdrafted the account creating a {$35.00} fee. Then they subsequently charged me an additional {$35.00} overdraft fee for each additional transaction that occurred, for a total of {$140.00} in fees on {$67.00} in total transactions. 

While I admit the error that occurred in scheduling the {$50.00} deduction from my account that lead to the overdraft, the fact that First Merit stacks their transactions in a way that advantageously creates the scenario where they are more likely to incur higher fees from customers is troubling. In the last year, due to a serious of unfortunate events that have left me on a tight operating budget, my situation has been further escalated by First Merit who has taken hundreds of dollars out of my account through these practices. While at first they admitted the unfairness of their system and refunded {$70.00} in charges, any subsequent inquires on my behalf have been met with the notion that, 'because I know their system is unfair, any request for recompense on my part is negligible. ' Please look into these unfair practice, as no doubt they are fleecing more of their customers than just me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-10-2016 about Payday loan () with SFS, Inc (OK).
Issue: Charged fees or interest I didn't expect

Complaint: I took a loan out with One click cash for {$800.00} installment loan and they want to repaid over {$4000.00} in 20 months!!!! This is illegal and loan sharking.

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 09-05-2015 about Credit reporting () with Innovis (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Innovis is reporting wrong information on my credit report that must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contact the  CBR  on   XXXX     to report that my personal information was being used to obtain credit.. as of today the results of my request still has not been honored. I asked them to block and remove the fraudulent information and they have not done either as required

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 09/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Problems caused by my funds being low

Complaint: This is not a one-time or rare occurrence. As a retiree living on a fixed income, I try very hard to manage my online bill pay accounts from XXXX different banks, without incurring overdraft fees from my Bank of America account. They are gouging their customers with overdraft fees. When I use my online bill pay account with just B of A, their practice is to show my Availabe Balance as staying the same regardless of how many bills I authorize to be paid. This practice incurs multiple overdraft fees if I lose track of my real balance. I have incurred hundreds of dollars in overdraft fees from Bank of America. My XXXX and XXXX XXXX accounts immediately subtract a bill paid from the available funds in real time so I know exactly how much money I have at all times. B of A does not do as these other banks do. I believe B of A does this on purpose to earn as many fees, of {$35.00} each, as they can. Do I purposely authorize bill payments when I know my available balance is XXXX? Of course not. Should I keep better records? Yes, But I sometimes fail to remember the auto drafts for my home, auto, and health insurance companies. Does B of A know when I have direct deposits coming in? Yes they do. Should I close my B of A accounts? You betcha!

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 03/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My office was burglarized and several coworkers credit cards were stolen including mine. This happened at approximately XXXX on XX/XX/XXXX. I was informed of theft by coworker, when I checked my wallet, I noticed that my Bank of America personal and business credit/debit cards were missing and a XXXX XXXX credit card as well. I immediately called Bank of America to report theft and block cards from additional charges, this was approximately 2 hours after theft. While on the phone with the credit card fraud department, I was logged online to my B of A accounts to confirm fraudulent charges. When on the phone for the business account I saw only 1 fraud charge at that moment, it was a charge for {$3800.00} at XXXX XXXX   XXXX  CA. I explained that this was a fraudulent charge, and that I have never shopped at this store ever. Initially B of A provided a credit for the the charge from business account on XX/XX/XXXX. B of A then reversed the credit on XX/XX/XXXX for the amount of {$3800.00}, claiming I had made the charge. I contacted the claims department at B of A to reopen the claim and provided police report numbers and supporting information the this was a fraudulent charge. I have called back every week to get B of A to recognize that this was not a legitimate charge. Of note my B of A personal credit/debit card fraudulent charges were all returned. It seems odd that they would confirm fraud for one card and not the other. I was responsible and called immediately when I noticed the card stolen. I managed to stop further charges by acting quickly.

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