milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I have had a number of business accounts with Bank of America for several years. Recently I discovered a {$10.00} service fee on XXXX of my accounts. I had been told in the past that this was the monthly service fee for the account, but I noticed recently that I also qualified for a no service fee account. So I called to point out the error. That 's when I was told that this {$10.00} per month had been going since XX/XX/2012 (! ) and represented a product that : * I never signed up for * I never knowingly used * I never received any confirmation of signing up or any other documentation ( The product in question is something that allows you to send free instead of {$3.00} internal transfers at Bank of America. ) I asked the representative for some sort of proof that I had signed up for this service. She told me that there would not be any proof and that I signed up online. I told her that I did not sign up for this product online and that there must be a mistake. She put me on hold to " check '' and then came back to tell me that, yes, her system showed that I signed up online, but that there was no documentation or proof. 

I stressed to the representative that I was not accusing Bank of America of anything, but that in the context of the recent XXXX scandal of a bank adding fee-paying services to customers ' accounts without their knowledge or consent, that a casual " yeah our system says you signed up but we have no proof or documentation '' is n't really sufficient. 

I brought this point up to the Bank of America representative and stated that I was unhappy with her resolution ( that I eat XXXX years of fees and get the last XXXX months refunded ). She stated that her supervisor told her not to pursue the matter any further and that if I was still upset I could write a letter to Bank of America. Instead, I 've decided to come to this Bureau. 

The amount of money in dispute is extremely insignificant. But the principle that a bank should not be allowed to get away with adding fee-paying services to a customer 's account without her/his knowledge and/or consent.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Regarding the Equifax credit breach of XXXX. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (IA).
Issue: Loan servicing, payments, escrow account

Complaint: I sold my home and paid off my mortgage to Roundpoint Mortgage Servicing Corporation via wire transfer on XXXX/XXXX/16. I called them on that day to give them my new address and verify when my escrow balance and mortgage overpayment would be released. I was told by " XXXX '' it would be sent in 20 days. I called again on XXXX and talked to " XXXX '' and was told a check had not been issued yet and that it could take up to 60 days. I requested and was told it would be expidited. I still have not received a check. Why are they allowed to hold my funds for that long when they received a wire transfer on the date of closing? If I am late on a payment I am charged a late fee. Why is Roundpoint not penalized ( and me compensated ) for their failure to pay ME promptly?

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 07-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX credit report showed Enhanced Recovery collection account. 
XXXX requested validation from Enhanced Recovery collection XXXX Enhanced Recovery removed collection account from XXXX and XXXX XXXX Enhanced added the account back under new account number and higher amount to XXXX and XXXX credit reports with different open date. 

However Enhanced Recovery never responded to validation request

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 05/24/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On  XXXX  a contract  was made with  XXXX  management to rent an apartment between myself and two other people. One y ear later the contract was renewed on  XXXX   XXXX  with a new company that took over the apartments named  XXXX   XXXX   XXXX   XXXX . with myself and  two new other room mates. One of my ro om mates decided to leave in  XXXX    XXXX   but continued to pay until end of  XXXX    XXXX   but during that month he states he will not be returning to  XXXX  and will be staying in  XXXX . As of  XXXX  and  XXXX    XXXX   I asked the personnel if I could get a smaller apartment by myself within their apartments since other room mate had left out of town and would probably not be returning and my other room mate lost his job. Front office personnel stated they had to sign a form to release me from the contract, which room mate refused to sign and they could n't move me. On  XXXX   XXXX  I found another apartment with another company due to not having any more room mates and company not cooperating. During the middle of  XXXX    XXXX   the apartment keys were given back and company immediately begun renovation for new awaiting tenants for  XXXX ,   XXXX  . Rent was paid in full for  XXXX  while company was renovating. I am sent to collections shortly after without receiving a bill, notice or explanation of what is owed on  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Account Resolution Services ( ARS ) has been calling my cell phone on and off for the past six months in an effort to collect a medical debt that is owed by the person who was previously assigned to the cell phone number that I now have ; that cell phone number was randomly assigned to me by XXXX on XXXX XXXX, when I purchased my new cell phone from them. I do not know who that person is ( they are trying to contact ) nor his whereabouts. I have on numerous occasions asked ARS to stop calling my newly issued cell phone number, but they laugh at me and tell me to have a nice day. I have previously filed complaints with the cfpb, the OH AG 's office, and the DNC registry ; yet, ARS continues to call my cell phone number. For example, they have called my cell phone number five times so far this month - and, we are barely past mid-month. I am XX/XX/XXXX and consider these calls to be harassing and a form of XXXX abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Mortgage) with Rent Recover, LLC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have many times to get copies and info of contracts that they have the rights to collect the debt as well as copies of the original debts that show I do owe this debt. Ever since 2012 they have never been able to produce or will not produce the info that I am asking for. I have issued XXXX complaint with XXXX XXXX on my credit report and they could not even verify the debt with them so that was even removed from my credit. I have also told them many times this is not a valid debt since we were not supposed to be charged anything for moving out early or anything since it was a rental for the harassment that we were receiving. This was worked out with the previous management company before XXXX took over from XXXX XXXX. I also did disclose this to Rent Recover, they have no interest in investigating the claim. I have gotten very upset many times after being yelled at and being told I would just be dragged to court. They would just talk over me and ignore all requests.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Forbearance / Workout plans

Complaint: I have had a Capital One Account for at least 5 years. They gave me a {$1500.00} credit increase in 2015. I have always made my payments on time and never late, but in XXXX of 2015, I fell on my way to work for the XXXX in XXXX and XXXX. I was laid up for 4 months with no work. I unable to get workman 's comp because the injury happened before I arrived at work. I was able to get state XXXX but not enough to pay bill and rent. My only resource at the time was to use my Capital One Credit Card to survive and pay rent. {$500.00} in XXXX co-pays otherwise it would have gone to collection. I have ask Capital One to work with me to lower my Interest rate, but they have refused and just keep charging me interest every month so I will not be able to break even with this account in many years. Because of my high balance, my bank will not give me a consolidation loan to pay Capital One off and I ca n't get a credit card with lower interest rate. I do not want to loose this account because it will affect my credit and I have worked hard to bring my score up over the last two years. I am only {$2600.00} in Credit Card debt. I have to be at least XXXX before I can get any help. Please advise me what to do. I have this hanging over my head. I am back to work, but I am XXXX living on XXXX and XXXX retirement only. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This company never made contact with me about any potential debts that they had for me. They have listed 2 medical debts on my credit reports without notifying me. I want these debts for {$1800.00} and {$720.00} removed from my credit reports until they can be properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Dyck-O'Neal, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: To whom it may concern, This concerns Dyck O'Neal collection agency. 
In XXXX of 2015 I was told by phone that I was past due on an account. 
I had become late on monthly payments of {$77.00} to the XXXX XXXX Mortgage XXXX. My past due amount was appx {$2400.00} according to Dyck O'Neal in XXXX of 2015. 
On XXXX XXXX I made a {$250.00} payment online. 
The XXXX statement reflected that payment and stated I owed {$2400.00} ( past due ) plus {$230.00} in late fees for a total of {$2600.00}. 
On XXXX XXXX, 2015 I called Dyck O'Neal to make a payment to be current. I was told on the phone that to become current I had to make a payment of {$1700.00}. I asked several times if this was correct and I was told several times this would bring me current. I made the payment over the phone for {$1700.00}. 
The XXXX statement reflected this payment but nothing was applied to late fees. The amount owed was shown as {$690.00} plus {$240.00} in late fees for a total of {$940.00}. 
( {$77.00} was added to each statement as that was what the monthly payment is suppose to be. ) On XXXX XXXX I phoned Dyck O'Neal and asked how much did I owe to become current. The woman stated {$950.00}. I again asked several times, " will this bring me current ''. Several times she said " yes ''. I made the payment for {$950.00}. 
The XXXX statement came and it shows that only {$21.00} has been applied to late fees. It states I owe {$77.00} plus {$230.00} in late fees for a total of {$310.00}. 
Since the XXXX statement which showed that I owed {$2600.00} ( I do not dispute this amount ) I have paid Dyck O'Neal {$2700.00}. They are still asking that I pay {$230.00} late fees. XXXX they have told me on the phone that I am " current ''.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (I do not know) with Valentine and Kebartas, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: VALENTINE & KEBARTAScalling fromXXXX XXXX XXXX called me almost XXXX timeswithin the past few monthsDo not have debt owed to " VALENTINE & KEBARTAS " They have been told to stop harassing me with these constant never ending phone calls.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: For the past almost 2 years I received a loan modification form Nationstar Mortgage, ( Loan # XXXX ), I have been paying religiously on time for said time. This has helped rebuild my credit profile an score improving my credit worthiness and improving my financial quality of life. 
Unfortunately Nationstar has been negligently reporting my payment history incorrectly for said mortgage. Most recent evidence of their inaccurate reporting methods and collections practices is evidenced by attached documents which demonstrate my ontime payments and a letter in which Nationstar has reporte me 30 days past due or delinquent to a ll XXXX bureaus and is wanting me to communicate about this with them. 

It is v reprehensible that I have complied with all my responsibilities as consumer to pay on time and slowly have tried to rebuild my credit history and Nationstar by its negligent actions is destroying my financial creditworthiness. FCRA and FDCPA laws were enacted to protect consumers from specifically these type of actions by creditors, specially when it affects disproportionately a double minority group as in my case a single parent ( XXXX ). I stand to loose the credit cards and financial considerations I have received over this last 2 years from other creditors due to my improving financial credit record by the negligent and unprofessional actions effected by Nationstar Mortgage I expect immediate correction of my credit bureaus reports. Apology and retraction letter by Nationstar Mortgage and the payment of all FDCPA and FCRA violations fines which should credited to my principal mortgage balance for damages and penalties payable to me as a consumer. 

I may be reached at XXXX or email at XXXX KInd regards, XXXX Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Access Capital Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have never lived in the XXXX area

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Since XX/XX/XXXX I have been asking Bank of America to stop all automatic payments. Now I have 36x {$35.00} NSF fees and they are still adding up. 

First the bank told me the payments will still go through but I will be charged the {$35.00} NSF fee. 

No the payment is not going through, and they are bouncing the payment and still charging {$35.00} for return check fee. 

The Businesses keep trying to charge, and they keep bouncing and charging me. 

Bank of America is so wrong for 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 monetary relief
Consumer complaint received 12/18/2016 about Mortgage (Conventional fixed mortgage) with CORNERSTONE MORTGAGE COMPANY (AZ).
Issue: Application, originator, mortgage broker

Complaint: Brookhollow mortage in Texas was working on a mortgage for me. I had to cancel on the mortgage because they were telling me it was my job ( XXXX XXXX ) and they were doing me a favor. I submitted all of my docs by XXXX/XXXX/2016. BROOKHOLLW MORTAGE WAS NOT RETURNING MY CALLS AND WHEN I DID REACH THEM THEY SAID I HAD TO GET THE TAX TRANSCRIPTS. I SUBMITTED THE TAXES AND THE XXXX IN PLENTY OF TIME. THEY CALLED ME ON XXXX/XXXX/2016 AND ADVISED I HAD TO GO DOWN TO THE IRS OFFICE AND OR WEB SITE TO GET TAX TRANSCRIPTS. AGAIN THEY ADVISED THEY WERE DOING ME A FAVOR ( XXXX XXXX ) WITH ALL OF THE CHAOS WE COULD NOT FUND TILL THE XXXX HOUR AND NOT DO THE WALK THROUGH IN A TIMELY MATTER. THEY ALSO WERE ADVISING ME THAT I NEEDED A SCHELDUE C, WHEN IN EFFECT I DID NOT. THERE WAS A LOT OF UNCERTAINTY WITH THIS COMPANY. I HAD TO CANCEL THE LOAN BECAUSE OF THE LAST MINUTE UNCERTAINTY. THE BUILDER WAS READY TO CHARGE ME {$500.00} A DAY ON A PER DEIM. I DID NOT HAVE TIME TO EVEN DO MY WALK THROUGH. WHICH THEY SAID I CANCELLED. THE BUILDER THEY WERE WORKING WITH ( XXXX ) TOOK MY {$5000.00}. BROOKHOLLOW MORTAGE ADDRESS IS XXXX TX XXXX THERE NUMBER IS XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit card or prepaid card (Government benefit card) with Comerica (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I was alerted by the fraud department that my Direct Express debit card issued by  XXXX  for  XXXX  payments had been charged excessively in a short period of time. I asked them to cancel the card and I filed an official dispute complaint with them. This was  XXXX   XXXX ,   XXXX  . The charges were made from a foreign country and I was told the investigation would take up to 90 days. I have called periodically and furnished them with detailed transaction information. I learned the fraud company had used  XXXX  to access my funds which were taken from the Direct Express master card. So I also filed a complaint with  XXXX  per Direct Express instructions. I was refunded partially by  XXXX , they explained that they could not recover all the funds as the money was not in the fraudsters account. So I went back to Direct Express. They told me that they had stopped investigation since  XXXX  had issued partial refunds. This is unacceptable. I had over {$2500.00} taken, all in small amounts of  XXXX ,  XXXX ,  XXXX ,  XXXX  etc. amounts. About 50 transactions. I believe I have been refunded only {$300.00} or {$400.00} thus far. Every time i have called Direct Express I have not been able to get them to release the remainder of my money. I am  XXXX , I need to pay my property taxes which are now overdue. I have no other income source or savings and I can not afford to take this huge loss. I have faxed the information to DIrect Express and  XXXX . I have tried to be patient. I have asked for them to escalate my issue at Direct Express. I have been told I can not directly speak to anyone in the fraud department or a manager. I have to call them. I live in a remote part of the   XXXX   XXXX   and have to be driven into the closest town , 25 miles  away to get a good enough cell signal to talk to them at the number printed on the back of the card. Can you please find a way to help me recover the rest of my funds? I called them  three  times  XXXX   XXXX , and the call kept getting disconnected when they put me on hold. I begged them to call me back if they disconnected me and they said they could not make outgoing calls. I have received no mail or calls from them. All the contact I have made has been me calling them asking for a status update. I ca n't keep waiting and re explaining myself every time. I am taking daily prescribed medications that make me groggy. I do n't have anyone to help me fight this battle. If this was a normal bank I would have been given some kind of provisional credit to use while the investigation was underway. I have a hard time expressing myself and sense of urgency in a way that gets results. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Names of people I do not know are on my list of people I know. I do not know a XXXX XXXX, XXXX XXXX or none of the XXXX listed on my report. My inlaws are XXXX and XXXX XXXX. How do I fix? I tried several times with letters and phone calls. This cant be that hard. How was they added?

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Prepaid card (Other special purpose card) with AMERICAN EXPRESS COMPANY (OH).
Issue: Fees

Complaint: This card was originally loaded with XXXX. I must have misplaced it and forgotten about it. I recently located it and checked the balance. It is now XXXX. The card expired XX/XX/XXXX. I called and was told they will not reissue a card and I now am unable to collect the XXXX. That is wrong. I understand about the XXXX monthly rip off fee. I should be able to collect the remaining XXXX

Company response to consumer: Closed with monetary relief