milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: This is regarding overdraft fees that I was charged by Bank of America : I was charged {$240.00} for transaction overdraft in XXXX of XXXX, and {$420.00} in XXXX of XXXX. This is only the charges on my Bank of America checking account. I have a credit card linked to this account for " overdraft protection '' and somehow I was charged additional overdraft {$200.00} on the credit card side for the same transactions. I do n't know how that is overdraft protection when the setup gives the bank more opportunity to charge you bank fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/19/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen loan servicing has not given a account statements monthly ( none to date ) falsely reports on my credit report and is keeping payments in suspense. Multiple contact with this company in ref to these items, goes unchanged.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been having problems and disputes with XXXX XXXX and Select Portfolio Servicing , Inc ( SPS ) since 2011. I have just written a long letter to SPS that thoroughly explains some of what I have been through in the past XXXX years. I accepted the XXXX modification in 2011 because I felt I had no choice. XXXX dragging out the modification process for XXXX months has no reasonable explanation. The modified amount of {$550000.00} was quite high. There are many details contained in the XXXX page letter that will give you a very good picture of what I have gone through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2017 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: Public record information inaccurate

Complaint: The bureaus are reporting a bankruptcy Under the new law effective XXXX XXXX 2017 any public record data must include name address as well as SSN. or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information..

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 12/19/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Management called. They were told that there is no debt. I get at least 5-6 calls a day from them. I blocked the calls on my phone. They keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: After 10+ years of banking at Wells Fargo they closed my account due to a " business decision ''. Meaning, a relative gave me a check and it bounced because she did n't have enough money in the account and they had to return the check, so they charged me {$12.00} and closed my account. They never gave me any warning or alerted me. I was told in the branch they would send me a letter explaining everything and a letter was never received. Additionally, they will not allow me to access the money in the account, which I desperately need to pay bills, causing over {$200.00} in late payment charges. After calling multiple times and being transferred over XXXX times to different departments I never got an answer. After closing my checking account and freezing my money they subsequently closed my credit card causing multiple declined purchases.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit has been used after XX/XX/2012, and I have been out of the country and there has been OUSTANDING CREDIT CARDS WITH NO PAYMENTS. I WANT TO PRESS CHARGES

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 08/22/2016 about Bank account or service (Savings account) with CHARLES SCHWAB CORPORATION, THE (AL).
Issue: Account opening, closing, or management

Complaint: I began corresponding with Charles Schwab two weeks ago about accessing a little over {$4400.00} that has long been sitting dormant in a Charles Schwab account my grandmother opened for me several years ago. I was told I needed to fax XXXX signed documents to Charles Schwab in order to lift the restrictions on the account. I sent the forms, but Charles Schwab could not locate them when I later called. At some point after our first few days of correspondence, however, I was able to access the online account, but my assets were frozen and I could not transfer them. I called back and was told that one of the forms ( the XXXX XXXX had been located, but could not be processed until the other form ( Schwab Custodial Beneficiary Conversion Application ) came through. I was also told I could submit that form through the message center. After submitting that form, I was told I also needed to submit another XXXX because the original XXXX was not dated. After submitting both a revised and dated XXXX and another Custodial Beneficiary Conversion Application, I was told I needed to resubmit the forms because they were signed using an electronic signature, which is apparently insufficient for Schwab. I was not told this until after I had submitted the form. I am leaving out several details I do not remember - this process has gone on for two weeks and taken a considerable amount of my spare time. I have not documented my phone calls because, with each call, I have hoped that this situation would be resolved only to be later disappointed. Each delay has represented at least an additional day of waiting to see if my situation could be resolved. At one point, XXXX representatives were telling me it took 24-hours for them to see if the forms had come through, at another point, they gave me contact information for the XXXX operations center which apparently knows immediately whether or not forms have come through. This whole process has been very frustrating and taken up a considerable amount of my time.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a missed call on  XXXX   XXXX ,   XXXX   @  XXXX  from (  XXXX   )   XXXX  a  XXXX   ,  FL  XXXX  # with no name attached to #. I received second call on  XXXX ,   XXXX  , @  XXXX  from same #. The woman on the phone proceeded to state I had to pay {$630.00} over the phone right now or she would " report this debt on my credit report withi n 2 to 3  hours ''. She did not state who she was or who she worked for. She only stated it was related to my past landlord,  XXXX   XXXX   XXXX . " Our lease '' just ended on  XXXX ,   XXXX  . I tried to explain I did not owe anything & I had not received any bills from  XXXX   XXXX   XXXX . or from anyone else & that I was driving & would get back to her by the next day once I had the opportunity to contact  XXXX   XXXX   XXXX . but she kept telling me I had to pay now or she would be putting this debt on my credit report within  2 to 3  hours & that I was a " liar ''. I asked to speak to a Supervisor. A man got on the phone & was even more persistent that I pay balance now or reach a " settlement amount & pay now '' otherwise he was going to place this debt on my credit report within  2 to 3  hours & he to denied me the opportunity to call them back once I had a chance to speak with  XXXX   XXXX   XXXX . the next day. He stated this conversation was being recorded & that " everyone always says they have never gotten a bill in the mail ''. He eventually hung up on me. I did not know if this was a scam. I do not understand why they were even trying to bill just me the whole alleged bill when there were "  XXXX  tenants '' on the lease. I have been corresponding to them by certified mail since I received a notice from them. I have tried to resolve this issue with them &  XXXX   XXXX   XXXX . I have explained to both of them the terms of the  Landlord Tenant l ease agreement & what it states about any disputes betwee n Landlord & Tenants  must go through small claims court & be granted a favorable Judgment before any debt collection attempts can be taken. I have requested  XXXX   XXXX   XXXX . to file a claim with small claims court so this issue can be resolved because  XXXX   XXXX   XXXX . amount of alleged debt owed is invalid, inaccurate & not the same as  I.Q. Data International a lleged debt. As of today, I am aware of this alleged unproven with no court order Judgment has been placed on my credit report on "  XXXX   XXXX ,   XXXX   to  XXXX   &   XXXX  ''. I am in the process of disputing this alleged debt with my creditors. Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (Other debt) with MARINER FINANCE, LLC (NC).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I was summoned to court on XX/XX/XXXX for an unpaid balance owed to Mariner Finance. XXXX XXXX had contacted me on XX/XX/XXXX at XXXX to see if I wanted to make payment arrangements after they had already filed court papers against me. I advised him that I was going to make a payment on XX/XX/XXXX and that was not enough to satisfy my debt. I had called in to speak to XXXX XXXX on XX/XX/XXXX wanting to make payment arrangements for today and on XX/XX/XXXX in the amount of XXXX but he quickly advised me that was n't acceptable. The conversation got heated due to not coming to an agreement on a suitable payment arrangement and XXXX XXXX continued to over talk me. I felt very intimidated when he advised me that I owe them money and I need to pay it. He continued to over talk me and he advised me that I do n't need to be rude to him nor have any kickback. I advised him about my situation and the reason I was past due. I was in a near XXXX XXXX XXXX on XX/XX/XXXX in which I almost got XXXX in a XXXX XXXX XXXX due to the other party XXXX XXXX XXXX the XXXX and nearly XXXX me, his wife and child and maybe himself. I advised XXXX XXXX when I got my settlement back that I would pay this debt off and he kept asking me when I was getting it. I advised him that I was n't for sure. I understand XXXX XXXX has a job to do but that 's not the way to do it. I understand I owe my debt and I own up to my debt that is owed but that 's not the correct way to treat a consumer if they are at least trying to pay. People run into hard times but it seems as if XXXX XXXX is only wanting a paycheck and not wanting to help the consumer.

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 11-06-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my mortgage with Wells Fargo back in XX/XX/XXXX. They sent me a copy of the satisfaction letter at that time which also goes to XXXX XXXX to show that the mortgage has been satisfied. Wells Fargo sent this information for a property in Minnesota. I found this out while trying to close on the sale of my home back in XX/XX/XXXX. In order to close on the sale, I had to leave money in escrow with the Title company until this gets cleared up. Wells Fargo has been giving us the run-around with no responses, wrong responses. They sent the wrong response twice to XXXX XXXX. I can not seem to get them to understand the gravity of the situation and their lack of timely/correct information is now jeopardizing my ability to close of my new home since my money is tied up in escrow. 
Help please!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On XXXX XXXX, I deposited a money order drawn on XXXX XXXX XXXX I was advised by my bank that {$200.00} would be made immediately available and the remainder would n't be available until XXXX XXXX. 
On XXXX XXXX I discovered that my account was locked. I immediately contacted B of A Customer Service and was forwarded to Risk Management and advised that my account was being closed due to the recent deposit of {$1400.00} being a counterfeit check. I immediately contacted the person who had given me the check and confronted her to which she responded by calling her XXXX XXXXXXXX XXXX XXXX. She put her phone on speaker so that I could hear her speak with customer service. She then went to her bank and got a print out of the front and back of the check and I took it to my bank. The customer service representative XXXX ( manager ) contacted risk management to discuss the proof that I had. The person on the phone said that the account was still being closed and that there was nothing I could do. I asked for a supervisor and was transferred to someone named XXXX who then spoke to XXXX to discuss what proof I had brought in and she instructed him to fax everything to the back office. He faxed everything and they said they needed 3 business days to sort through everything and make a decision. My dilemma is that my car payment has bounced due to my account being suspended. My utility bill has bounce. These companies are now penalizing me for paying late and I can not write checks anymore. B of A has not even apologized. And they are taking there time. It 's not like I can take the money out and pay my bills. My money is on hold. I have been borrowing money from people. 
I just feel that when any institution accuses you of a criminal act such as trying to cash a counterfeit check, that they should be quick to resolve it and stop the injury that has been caused. 
This has been a huge inconvenience to say the least. Hopefully this will be resolved by tomorrow which will be the 3rd business day. I appreciate any follow up your company can do. Thank you

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 09/28/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: This card is XXXX and is essentially a XXXX card and issued by Commenity Bank. I got it when I needed XXXX  XXXX. It has special promotion that gives 24 months in which you make continuous payments of at least a minimum amount and if paid off in full by the end of that time then you owe no interest. If you do not pay it off during this time or miss monthly payments then the high rate interest is added to your account. My payment was due on the XX/XX/XXXX and I did make the payment on the XX/XX/XXXX for more than the minimum amount. For months I have had issues with website making payments and they have an early time and when I finally got in the website there was hours left of the XX/XX/XXXX but the payment date refused to allow me to post for anything but the XX/XX/XXXX. I tried to call before posting the payment and got a message we are closed call back during business hours. I didn't want to delay payment so I made the payment and immediately emailed them explaining the issue asking for the late payment to be waived and I got a message back it was waived last month and that it will not be waived again. I messaged them back asking for corporate information and explained that I have had issues for months with trying to pay the bill and have asked for tickets to be put in but I have never gotten a call and got a message back saying there are issues with the website where sometimes you cannot access it and make payments if using XXXX  and they would not waive the fee and future use another browser. I replied back saying that if I had been told this months ago there would be no issue and it would have fixed it and that due to the known issue on their part the fee should be waived and also the website should have a disclosure to tell people so it can prevent this from happening. I am still getting a refusal to waive the fee. I called corporate and the person that took the complaint said she understood the issue with XXXX and agreed she had personally experienced issues and she would research and see if someone could call. I got a call and they said that they forwarded it to the bank since the bank handles the card and XXXX has no access. I told her this was unacceptable putting it off and back to customer service and she hung up on me. I am asking the $XXXX fee be waived and if they cannot fix the issue for accepting payments from XXXX  that a notice be included on their website that stops others from being charged all these access fees as they know most people won't continue to fight or take it to the government for review since it seems like a ploy by them to get extra money and look for reasons to charge all that high interest building up that they lose when balance is paid before 24 months is up.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 was reviewing a copy of my credit report after the XXXX breach for accuracies. Noticed an account I did not recognize. I felt this account was in error so I wrote the company, attached is the response letter they sent to me. In the letter I attached a copy of my social security, id, and copy of my credit file. Per the letter the company was unable to locate my information and advised me to contact the reporting agencies to get the matter resolved. I contacted the agencies and they were unwilling to cooperate with my request even after i uploaded the letter online for them so they could view this letter. I have done everything in my power to follow the correct procedures to get this matter resolved, and yet as I type this the incorrect account continues to remain on my credit report. Thank you for taking your time to read this.

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 01/17/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MI).
Issue: Account opening, closing, or management

Complaint: Awhile ago on my credit my banker mentioned a Wells Fargo account of XXXX was on my credit and I was completely unaware of that. Then, the scandal happened and I thought it would automatically be pulled from my credit report and it was not. I never opened a credit account with Wells Fargo. Only a checking account and I closed 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 05/20/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My mortgage broker is unable to see my Equifax report. I called Equifax and they told me I have a fraud alert. I never had a fraud alert on my report and as of a couple weeks ago there was none on my report and I asked for none to be put on my report. They told me they would take it off. My broker still can not see my credit report, yet can see all of the others. I believe that Equifax is punishing consumers for disputing items on their credit reports by blocking their files from being accessed. Again, there is NO fraud alert on my credit report, I can see that on XXXX/XXXX/15 there is no fraud alert listed. But yet that is what Equifax claims. I have seen online others complain of this same issue with Equifax though I can tell the the Equifax and the bureaus have been able to employ and suppress negative information regarding their anti consumer bad deeds otherwise the first XXXX pages of a google search would be filled with more problems. I want Equifax to be investigated for these type of retaliatory activities. And I want my Mortgage Broker to be able to see my credit, it should be that hard as I only have XXXX name and XXXX address and XXXX social security number!

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a hardship application to Nationstar Mortgage at XX/XX/XXXX and I did not hear anything from them. I looked on line several times to obtain the status of my application and there was no information. I called Nationstar today ( XXXX/XXXX/2015 ) to obtain a status of my application was advise that my application had been denied ( the investor does not do modifications ). I asked why I did not receive a letter stating that my application had been received ( 5-day letter ) or a letter indicating that I had been denied ( supposedly in XX/XX/XXXX ). The representative claimed that the information was sent to me via email. I have a problem with that explanation as I received nothing in either case however, I do receive the monthly billing statements. I believe Nationstar Mortgage failed to notify me in either case nor did they ask for any additional information ( complete loan application ).

Company response to consumer: Closed with explanation