milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Our Wells Fargo ( WF ) Visa experienced some $ XXXX in unauthorized charges. Reported these to WF and removed the charges, but a couple of weeks later all of the charges reappeared as WF sided with the merchants to reinstate the charges. WF discovered that fraudulent charges led to some email address that is not mine, to some address over XXXX miles away from me that is not mine, and that someone verified one of the charges using a XXXX XXXX phone number that someone had hacked into so anyone could have made that call. I mailed to Wells Fargo Fraud Claims " Reconsideration '' department today a detailed packet outlining how these pieces of evidence prove in fact that the charges were unauthorized - for example that XXXX XXXX XXXX has shut down the fraudulent telephone number opened in my name, that the address XXXX miles away from me was a fraud address I have never lived at and has been removed from my credit profiles and a fraud alert placed on them. Also WF said that someone faxed to a merchant an ID for me, but I asked WF to get that fax because I am sure it will prove that the ID is fake since at least no one stole my ID of that I am certain. The law 15 U.S.C. 1643 ( b ) states that the burden of proof is on the card issuer to prove that the charges were authorized - I do not have to prove that the charges were unauthorized. In any case, this is an unfortunate situation and I feel bad for the merchants but someone has opened a fraud telephone account for me at a fraud address I do not live at, and submitted no doubt fraud documents to try to use my credit card. This is more than credit card misuse this is account takeover. WF must remove all these charges because I will not pay for unauthorized charges, never.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Mortgage (Home equity loan or line of credit) with BB&T CORPORATION (MD).
Issue: Settlement process and costs

Complaint: Until XX/XX/XXXX, I was not aware that a loan in the amount of {$50000.00}, had been taken out in my name XX/XX/XXXX, by a Branch Banking and Trust ( BB & T ) Company employee. I never entered into any BB & T Branch to sign loan documents, however, my forged signature is on loan documents along with a witness signature atesting to witnessing me sign this document. The loan was secure by a property that I did not own, but lived in. It is my understanding that the loan was never processed correctly within BB & T ( i.e. the loan was not tied to the deed of the real estate property for which it was secured by ). 
When I was contacted in XX/XX/XXXX, about repaying the loans in default, I tried to tell the collections person that I did not take out this loan, however they did not want to hear it. It was difficult to speak to anyone within BB & T because each time I called they forwarded me to the collections people, who did not want to hear anything about this fraud or provide contact to anyone that I could speak to. I sent written acknowledgement to the collections company informing them of the fraud in the loan. I go a response indicating that they found no fraud and that I needed to repay the loan. I researched and found a number to contact a person inside of BB & T who I called and explained the issued to her. She was not aware that the property that the loan was secured by had been sold without BB & T knowledge, and could not explain to me why BB & T had not secure the loan repayment prior at the sale since the loan was secured by that property. Although I provided this information, she still could not assist me with anything. In XXXX, I contacted the BB & T collections attorney and provided written response that there was an error and the loan was fraud, the response received indicated that they found no fraud with the loan and that I needed to repay or they world take me to court. BB & T and it 's collection attorney XXXX, XXXX, XXXX XXXX, XXXX was granted a judgement against me in XX/XX/XXXX. Since than, BB & T has made my like XXXX, they garnished my wages taking XXXX % of the earning every paycheck for the since XX/XX/XXXX until now that the loan has been paid off. At the time I had just become a single mother, so it has been very difficult. Please investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Billing disputes

Complaint: My complaint is with Bank Of America. My statement dated XXXX stated I owed a total balance of {$48.00}, which was due by XXXX/XXXX/XX/XX/XXXX I paid {$48.00} on XXXX/XXXXXX/XX/XXXX. On my next statement, which Bank Of America did not send me, they charged me a {$1.00} minimum interest charge even though my ending balance was {$0.00}. So when they actually did send me my statement dated XXXX, they charged my account another minimum interest charge of {$1.00}, a 100 % interest rate. Since I made a {$130.00} purchase on XXXX/XXXXXXXX, Bank Of America is saying that I owe {$130.00} + XXXX + XXXX + XXXX = {$130.00}! I called their customer service department to ask for an explanation and get the fees waived. They said interest is charged in arrears. I argued that I paid the entire balance off by the due date and that interest should not be charged. Also, they charged 100 % interest on an initial " hidden '' interest charge. I asked for the fees to be waived. They said they could not waive any charges because there is a past due amount. I argued that there is not any past due amount and that the only reason their erroneous accounting says there is is because they hide {$1.00} minimum interest fees. Also, they said that even if I paid the total amount due today that I would still owe another {$1.00} interest payment next month. I can not even close this account because of a balance owed and Bank Of America will not allow me to have a {$0.00} balance for 60 days!

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 02/15/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: On XX/XX/2017, I sold Bitcoin for the amount of {$5900.00} to be paid by wire transfer to my bank account. It has been 55 days and after filing a ticket with their support team and multiple attempts to reach them for a resolution, there is no sign that this deposit is forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX sold my modified mortgage to Nationstar Mortgage in XXXX. It has been a nightmare ever since. Nationstar Mortgage Company claims to have paid my insurance through the escrow account I have. The insurance company confirmed today that Nationstar never made XXXX payment for my homeowners insurance. Yet Nationstar took almost {$3000.00} of my money for insurance in XXXX, XXXX, XXXX. Nationstar is currently filing for foreclosure on my house because they claim I am in arrears. They have provided no evidence of this. I have documented extensively my payments. 
I have proof that : 1. proof that Nationstar claims to have paid hazard insurance from the escrow account with XXXX, XXXX, XXXX XXXX forms. 
2. correspondence regarding the complete lack of insurance paid with money from the escrow account 3. I have made the payments that have not been credited to my account In XXXX they took {$830.00} for insurance from my escrow account. 
In XXXX they took {$2100.00} for insurance from my escrow account. 
In XXXX they took {$1100.00} for insurance from my escrow account. 

Because I live abroad I was not informed of this at all. 
Nationstar has not only reneged on the terms of the acquired mortgage in terms of insurance, they have imposed extensive fees and repeated inspection charges ; falsified information about my account ; neglected to credit {$14000.00} in payments they claim are in arrears, and are now foreclosing on my house that my daughter lives in. 
I have tried to correspond with Nationstar since XXXX of XXXX. 
None of my inquiries have ever been acknowledged or responded to. 
My requests for their legal counsel 's contact information were ignored 3 times since XXXX of XXXX. 
I have tried to communicate with the law firm representing Nationstar. 
I have provided the law firm and Nationstar with documentation of every payment that has been received, proving that I do n't owe any money. Nothing has been accomplished. 
I have no lawyer because they all want a {$25000.00} retainer. 
The foreclosure date is on or around XXXX XXXX, XXXX. 
How is it possible that a company, who has numerous class action suits involving hideous levels of corruption, is allowed to take a person 's house away, when they are not in arrears? 
Time is running out.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On  XXXX   XXXX ,  2017, CITI Bank passed a check through our account that had had the recipient name and policy id number on the check altered. It had been made out to our home owners insurance company and had been " fished '' out of a postal box on the street. A person  's name was put in place of the insurance company and the policy number altered to a credit card number. The check was then cashed at another bank. This we discovered, when we were notified on  XXXX   XXXX ,    2017  that the insurance company had not recieved payment. Going to the bank and working with the then ban k manager, the alteration was discovered, and we were given a copy of the altered check. We submitted a form with the manager that was to go to the fraud division to be looked into. We were told that the money would be put back into the account within a 30 day period, but that the fraud division had up to 90 days to complete their work. As of today there has been no effort by CITI to advise us as to whether they have completed their case work, even though we have gone into the local branch often to discuss the matter. There was, about two weeks ago, an offer to give us the money back provisionally. This means that if the fraud division does not agree that it was fraud, we would have to return the money. We refused that because the check clearly shows two disti nct handwritings, and when asking questions of the Postal Service, they acknowledged that " fishing '' is an ongoing problem a nd that street postal deposit boxes were being removed and were to be replaced. The box that the check was removed from was one of the boxed that was removed from the street. We have spoken to a CITI regional bank manager who was to have straightened the matter out, and then silence. We have written to the CEO of CITI and again silence! We feel like they would like to wait us out and hope that we will go away. That ain '' t happening! D ealing for years with a local bank in New Jersey there were problems which arose, but when they did occur, were handled promptly and properly. Today, because the banks are so big, and we little fish in their ponds, we are, whenever there is a problem, generally ignored!

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 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Dear CFPB : Please be that advised this statement and request submitted through the CFPB will serve as a formal complaint that Experian ( ( CREDIT BUREAU ) ) failed to properly conduct an investigation/dispute wherein the company, did not acknowledge my dispute, respond to my dispute, and failed to notify me of any results and/or updates regarding the disputed accounts within the federally controlled/allotted days of 30-45 days according to the Fair Credit Reporting Acts Guidelines of handling a dispute. My dispute was delivered XXXX XXXX, 2017 sent certified mail with USPS Tracking # XXXX As per my civil rights, the items I felt are inaccurate. It has been well over 30 days and I have received no reply. I have included a copy of my original mailing and my mail receipt for your records as well as mine to which I have submitted this dispute. Please take immediate action to rectify these issues. 
I look forward to your timely response and to receiving an updated copy of my credit report as per my initial request where the items in question should be deleted. TIME IS OF THE ESSENCE.

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 08-07-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: We where given a MHA modification effective XXXX XXXX 2014 with our mortgage company Ocwin Financial. The program was MHA 's Principal Reduction Alternative ( PRA ). Ocwin issued a XXXX Cancellation of Debt dated XXXX XXXX 2014 showing a discharged amount of XXXX. However the program is structured so that the balance is a forbearance and then XXXX of that forbearance will be forgiven on each XXXX year anniversary for a XXXX year period. Ocwin should not have issued a XXXX for the forbearance on XXXX XXXX 2014. We have contacted Ocwin on serveal occations and the refuse to issue a corrected XXXX. This has resulted in a XXXX dollar tax bill. We where expecting a return of XXXX that was going to be used to help make our mortgage payments. Ocwin 's mistake has resulted in us being unable to make our mortgage payment and accruing interest and penalties with the IRS because we can not afford to pay the outstanding balance with them. We feel like we are in a catch XXXX. If would could resolve this issue it would save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: On Tuesday, XXXX XXXX, 2015, Bank of America 's Risk Management group closed my checking account for being overdrawn. The checking account was not overdrawn at the time. On that day, they refused a wire transfer deposit, refused a deposit at a branch, refused to provide any access to the account citing the closure by Risk Management. 

I spoke with various departments of the bank about the closure. Several people including the Debit Credit Card fraud and dispute department acknowledged the bank had made an error. They confirmed the account was not overdrawn at the time of the closure. 

The mistake occurred because the bank has certain automated tellers which accept large cash deposits, however because these tellers do not exist system-wide, there is not a method for operations to check if a large cash deposit has been made. Instead, the system assumes all teller deposits are pending. I made a {$1200.00} cash deposit at a teller and my receipt and my available balance shows the cash is available immediately. 

I have attached a copy of the bank statement which also indicates my account was not overdrawn at the time of the closure. Because the bank closed the account effectively on XXXX XXXX, XXXX, and refused my deposits the account was overdrawn on the next day XXXX XXXX, XXXX. 

Tha bank reported me to credit bureaus and this prevented me from being able to open a normal checking account as well as creating an adverse effect on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Mortgage (VA mortgage) with LoanCare, LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is currently held by XXXX via Loancare at XXXX, XXXX, VA. I received a letter dated XX/XX/XXXX from Loancare stating that my escrow account was short {$2500.00}. I found out that my homestead exemption had been filed in the wrong county and had the error fixed. I then provided Loancare the exemption details in an email dated XX/XX/XXXX. I heard nothing for two weeks. I called on XX/XX/XXXX, and was told they needed a copy of the bill they had sent me. I provided this to them in an email XX/XX/XXXX. I waited again and heard nothing. On XX/XX/XXXX, I called and was told they " needed further information '', but they provided me no details on what the information was or what their plan was to collect this information, and whether or not they intended to get it themselves or if I was responsible for providing it to them. They informed me the problem had been " escalated to management ''. I called again on XX/XX/XXXX and was told management should have it resolved by " tomorrow '', XX/XX/XXXX. I have still heard nothing, nor have I had any communication from the company other than automated calls telling me I have to pay them. Due to this escrow miscalculation, the company is demanding that I either write them a check for {$2500.00} to cover my escrow shortage, and that if I take this action, my monthly payment will increase from {$1000.00} to ~ {$1200.00}, or that they can collect the shortage and build enough for next year by increasing my payment to {$1400.00}, a nearly 50 % increase on my monthly payment. I have looked into reviews of this company on several different websites and believe that this is their standard practice, intentionally muddying the waters and delaying escrow assessments in order to make money off homeowners who had no choice when our mortgages were sold to what appears to be a very disreputable company.

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 10/26/2015 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a judgment in XXXX county for XXXX XXXX XXXX that says it was reported in XX/XX/2014 and paid in XX/XX/2014. It 's being reported on my Experian and XXXX report. This item was already paid and part of medical bills from a accident that was n't my fault. They got paid but for some reason its on my credit report as a judgement. It should n't beven been on my credit report. It must be miscommunication. The paid amount is {$710.00} and the judgement is satisfied but should of nevet been a judgement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Medical) with ONLINE Information Services, Inc. (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: online collection brought the bill from XXXX XXXX hospital in XXXX XXXX. so XXXX XXXX hospital already got paid for the bill and trying to get paid again. refuse to give a receipt until you pay each different bill of XXXX keeps putting the bill o XXXX on all XXXX credit reports but they are a collection company. they brought the bill. so XXXX got paid and trying to collect again. my insurance paid the bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Problems caused by my funds being low

Complaint: I believe that I have unfairly been charged 2 separate overdraft fees for the same day. On XX/XX/2017, Bank of America processed a series of charges which caused my checking account to go negative by a few dollars. While, I very much find the timing and manner of which they processed these charges objectionable, I will concede that I did schedule more charges than was currently in my account believing that I would have time to deposit more funds ( which I did the very next day ). What I find virtually criminal is how they structured the events ( of the same day ) so that they took a minor amount from another of my accounts to charge me a " {$12.00} overdraft protection fee '' and then charge a " {$35.00} overdraft fee '' for the same day all processed simultaneously!

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 01-12-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (IL).
Issue: Account opening, closing, or management

Complaint: This complaint is to address the issue of Wells Fargo breaching a contract on a short-sale that they owned and i was trying to buy. We reached an agreed upon purchase price XXXX XXXX 2016. All parties involved set a closing cost date of XXXX XXXX 2016. Myself and my bank did everything we needed to do to be ready for closing on XXXX XXXX. On XXXX XXXX at around XXXX i received a call that wells Fargo would not show up to the closing unless i came up with an additional {$36000.00}. Needless to say they they were in breech of contract and in doing so have negatively affected many peoples lives because of it.

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 03/24/2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit card () with CITIBANK, N.A. (MN).
Issue: Other

Complaint: I received a letter from citi that I was automatically enrolled in a Credit Protection program for which I am charged a monthly fee. It was for my Macy 's credit card account. The letter provided terms of conditions and " reminded '' me that there is a fee for the program. I never signed up for this program, nor am I interested in participating. I tried to cancel online, but the website did not work. I was finally able to get ahold of someone after 10 minutes on hold. I cancelled the service and requested a cancellation notice. I also called Macy 's and notified them that I will be canceling my credit card as a result of this practice. I think this " automatic '' enrollment is a predatory practice and I am sure that many people are " automatically enrolled '' and charged a fee without even knowing about it.

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