milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-02-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Payoff process

Complaint: I paid the amount in full on XXXX/XXXX/15 before payment due date and then they charged interest on XXXX/XXXX/15. When I tried to chat with them all of a sudden they kept acting like they had n't even talked to me and kept trying to start over. IT says right on statement no interest will be charged if paid in full before payment due date. I paid XXXX and then for some reason was charged interest on 3 thousand something for which the statement is suddenly unavailable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-07-2015 about Bank account or service (Cashing a check without an account) with WELLS FARGO & COMPANY (NC).
Issue: Making/receiving payments, sending money

Complaint: I recently wanted local banks to cash U.S Government Savings EE Bonds that I purchased 30 years ago. XXXX of the XXXX banks that I visited to get this done refused to even talk to me because I was not a customer. On advice from Treasury-Minneapolis MN, I filled out Form XXXX from their website. I was to take it to any bank to certify my signature and call a toll free number if their was a problem. They refused. Since purchasing the bonds from a Bank, it is reasonable that a bank would redeem the bonds. I have written to the XXXX Banking Committee about my problem in detail with copies sent XXXX and each of my XXXX Representatives. I also sent a letter to XXXX Bank President identifying excellent Customer Service of a local Bank Manager who listened to my needs and together we found a solution to my predicament. The reason for not being a local bank customer is explained in my letter XXXX. I would be happy to forward copies of these letters to you so that you can fully understand what should have been a simple task took an entire day with a great deal of frustration dealing with a " Catch 22 '' situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Around XX/XX/2015, I checked my credit report and discovered a collections account with the amount of {$640.00} owed to my previous apartment complex. I contacted the creditor to find out more information about the debt owed and received a letter containing the amount owed and a complete breakdown of charges. 

Upon receiving the charges, I noticed additional charges added to my account on the original creditor 's behalf. I.E. the creditor decided to replace all of the carpets in the apartment on their own behalf and charge me for the carpet repair. The carpet had been used under normal wear and tear conditions thus I should not have been charged. Luckily, I always prepare for situations like these when leaving apartments and I took an exit property video showing the condition of the entire apartment on the last day of occupancy. 

I contacted the agency and provided them with the video needed to support my claim. 
My initial contact with them in regards to the adjustment was denied. I followed up again with a written document requesting that the balance owed be adjusted to the correct amount and I agreed to pay the correct amount owed under the terms that they cease reporting to the credit bureaus. 

I received a response in which they ignored my offer for the correct balance payment and they offered a reduced number amount but also ignored my request to end reporting this account as negative.

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 03-12-2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are accounts in my credit report that do not belong to me and Experian is n't responding to my requests to investigate and remove them from my credit report.

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 10/29/2016 about Debt collection (Medical) with The Law Offices of Burr & Reid, LLP (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My daughter XXXX at college when a friend dropped her XXXX. I 'm a retired combat XXXX of 20 years and was the SPONSOR of her health coverage NOT the guarantor of any payment owed since she was over the age of XXXX at the time of the incident. This is NOT my bill, I 've NEVER even been in this hospital! I called recently and the collector was extremely rude, would n't put me in contact with a supervisor when asked and was dismissive of my XXXX I suffered when wounded in combat in XXXX. XXXX is my family military retiree insurance and per federal law, children over 18 are responsible for any payment. This claim was not covered because ot was a third party injury, her friend that dropped my daughter XXXX who was deemed by my insurance as responsible. They are trying to collect from the wrong person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (LA).
Issue: Managing the loan or lease

Complaint: I have been paying a car loan since 2011 paid XXXX for the car and still owe XXXX. They have repoed the car twice and charged astronomical fees to the loan that I actually paid up front to get the car back! When they repoed it the last time it was for XXXX pmts! They were not willing to work with me at all only wanted XXXX pmts plus fees up front. I can not understand how I still owe this much after paying all these years

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Inquiries were removed from my credit report and re-added without any documentation or reasoning received. 


XXXX XXXX XXXX, XXXX Trans Union XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (I do not know) with Credit Consulting Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Credit Consulting Services sent me a notice of Outstanding Obligation as it relates to XXXX XXXX XXXX XXXX and requested that I contact and deal with the company directly. I have enclosed a copy of the letter for you for your review. I received the letter on XXXX XXXX and respond back to CCS with a certified letter on XXXX XXXX. I advised them ( CCS ) of the payment that was made to XXXX XXXX XXXX XXXX and that I had also put in a call to the XXXX XXXX ( one of the partners of the company ) because when I connected with him by email I had advised him that I had already had my taxes prepared. I was told the process would only take XXXX weeks but XXXX weeks turned into 4 months. Anyway, CCS sent me another notice on XXXX XXXX which could have been crossed in the mail, but I still sent them another certified letter which they received explaining the situation again. 

On XXXX XXXX, 2015 I received an alert on my credit report that I have a collection account on my credit from CCS. 

My concern is that CCS said they wanted me to deal with XXXX XXXX XXXX XXXX DIRECTLY, however they placed themselves on my credit alleging I owe them the debt!!! 

Also I responded to them 5 days after I received the notice from them and they still ignored me and placed the account on both my personal and business credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Problems caused by my funds being low

Complaint: PNC has charged me erroneous fees in the past and they recently took steps to maximize the fees charged to me. On XXXX they charged me XXXX overdraft fees which I believe to be potentially erroneous. On XXXX I noticed that my bank balance was not enough to cover the autodebits from my XXXX credit cards set for XXXX. I had my wife move money from our other bank to PNC to cover the balance. She unfortunately did this using a cashiers check which was deposited on XXXX. On XXXX PNC charged us XXXX over draft fees after the credit card payments posted. Despite the check being enough to cover the payments, my wife and I were unaware of the check clearing policy for cashiers checks which holds funds for one day, hence the overdraft. However, had the payments posted in a different order, the lesser amount first, we would have only been charged XXXX over draft fee. PNC did refund XXXX of the fees because we are not in the habit of over drafting. The thing is, since I have no visibility into the auto-payment posting times, I ca n't be sure that PNC is not maximizing the fees charged to me by posting the smaller of the auto-debits first. Furthermore, PNC has a history of charging me inappropriate fees. In XXXX they tried to charge me a {$25.00} dollar fee for not having enough direct deposits in my account for XXXX because the deposit that happened on XXXX did n't count for the XXXX statement. I called to complain and they removed the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to work with SPS for years in either honoring the loan modification I was offered by XXXX, which my file was then transferred to SPS while in the middle of making my TPP payments, or getting SPS to review me for loss mitigation options and an assumption for the subject loan. Instead, I have been subjected to unfair, deception and abusive acts and practices. Compounding serving errors committed by SPS has caused me great stress and pushed me into a hole that I do n't know how to crawl out of! I have submitted the same documents multiple times over the course of working with SPS. They have verbally told me XXXX thing, when I am actually able to reach a representative, while sending me correspondence to the contrary. They have stalled me at every turn and given me the runaround. I feel I am further away from getting a loan modification offer now than when I first started and was making TPP payments towards a final loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I HAVE DISPUTED WITH EQUIFAX ABOUT INQUIRES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE THEY STATED THAT THEY HAVE INVESTIGATED MY INQUIRES BUT I KNOW THEY HAVE NOT THEY WILL NOT SEND VALIDATION FOR THE INQUIRES I KNOW THAT THE INQUIRES DO NOT HAVE NUMBERS THAT ARE WORKING THE INQUIRES ARE AS FO LLOWS 1-  XXXX   XXXX ,   XXXX   XXXX   XXXX  -  XXXX     XXXX ,  XXXX   XXXX   XXXX ,   XXXX   XXXX  ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying for years to get my mortgage company ( Ocwen ) to work with me due to income loss in my family. I tried for years to get a loan modification but they refused to grant it, stating that because I missed a mortgage payment I was in-eligible. I then applied for a short sale and they finally approved it XX/XX/XXXX but unfortunately the buyer decided not to move forward. I then hired another realtor to put the home back on the market and we got a contract right away. I called Ocwen to inquire if there was an auction date for the pending foreclosure and they told me no date had been set. I requested a short sale package and they told me to download the package and that they would also mail one out to me ( but they never mailed one out ). I had just completed the package when I got a certified letter on Saturday XX/XX/XXXX with a notice of an auction date for XX/XX/XXXX at XXXX. I called Ocwen immediately and spoke to an escalation manager who then told me that they had called a number that I have never had or used. He told me that the sale date was set on XX/XX/XXXX but I was told on XX/XX/XXXX that there was no sale date. I then called Ocwen this morning ( Monday XX/XX/XXXX ) to ask for the current contract to be considered and they told me that they would deny it. I am a single mom with XXXX young boys who have been trying to get Ocwen to work with me but it has been the biggest challenge and now they want to foreclose on me even though I have a contract of sale. I am asking for representation to appeal to Ocwen to cancel the sale date and work with the contract of sale that we currently have. I am currently living in the property with my young sons.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Vehicle loan or lease (Loan) with Consumer Financial Services (IL).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: My business with Consumer Financial services was for a car loan. The car was totaled. I contacted  CFS  to inform them not to take the next payment because the car was totaled and that my insurance company will be in contact with them. The insurance company contacted them and informed them of the same information I provided. They were also, given a claim #. Within in the next day or so they withdrew money from my account after I asked them not to because the vehicle was going to be paid off. A few days later, I go into the establishment to pay off the lo an  XX/2016 . I as ked how much and wrote a check on the spot. Balance became {$0.00} received a receipt to prove the balance was {$0.00} A few days later I was told that I still owe an amount. I was dumb founded because I paid them the amount they told me I was paid in full. Fast forwa rd  XX/2016  CF  S w as calling me non-stop everyday all day for about a month about money they claim I still owe them. They attempted to take money out of my account again without my knowledge or consent. Recently, CFS have also, ran my credit again without my knowledge or consent. The call and harass references and tell them my personal information on a car loan was clearly paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Kirschenbaum & Phillips P.C (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In 2008, I did XXXX gym contracts with XXXX XXXX XXXX. To end the contract, I had to write XXXX letters stating that I wanted to cancel my memberships. Both letters was written, but only XXXX was accepted. I 've been receiving debt collectors letters since. I ca n't reach XXXX for the proper help and the debt collectors wo n't help. Now I just received a letter that my checks will be garnished. I do n't know how to go about disputing the debt. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: I was charged XXXX bank fees when I should have only been charged XXXX. I understand that I am accountable for XXXX, but the bank has issued me XXXX. On XXXX XXXX I had an ACH debit from my account from the XXXX and a debit from XXXX. After this, I still had XXXX cents left in my account. I still had a couple of days until the Veteran 's check came in so I bought food knowing that I would incur XXXX fees. Instead, the next day, I was charged for XXXX fees. I have talked to the bank clerk, the bank manager who talked to corporate and they all tell me that I just have to trust them that what they have on their screens is accurate and the information that they provide on my screen is not accurate. And I was told that the XXXX purchase was what overdrew my account, but when I look at my bank statement, it still leaves XXXX cents even after the XXXX debit. But I was charged XXXX fees. Then I made the XXXX purchase that should have overdrawn my account but PNC already overdrew my account with their XXXX unknown fees. I then asked for them to print out what they tell me they seen on their screen, but the clerk, bank manager and on-line banking clerk told me that they can not print it out for me with no further explanation. I am just supposed to trust that I owe the XXXX additional fees even though my statement shows that I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On  XXXX / XXXX / XXXX , I applied for a  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card limit increase, which was initially declined approximately ten days later due to my credit report.  XXXX  pulled up my Experian credit report. Both  XXXX     XXXX    and  XXXX   XXXX   XXXX  showed negative credit information even though the information was not derogatory :  XXXX   XXXX  has been closed since  XXXX  ;  XXXX   XXXX     XXXX    advisory  that account was previously in dispute-Now resolved-reported by subscriber.   I called the customer service representative for each bank to have either the  XXXX   XXXX  account removed from my credit report or the  XXXX   XXXX   XXXX  advisory removed. Each customer service representative said that I had to contact Experian and that Experian would contact the bank.   I work very hard to keep my credit report pristine and accurate. I even pay to have credit report freezes placed on them.   On  XXXX   XXXX ,  XXXX , I was eventually able to get the  XXXX  credit card limit increase. However, it should have happened a lot sooner and with no problem.     Please, remove the  XXXX   XXXX  account and the  XXXX   XXXX   XXXX  advisory.

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 07/20/2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing disputes

Complaint: Sears should have protected me against the fraudulent use of my credit card and failed to do so. 
A company charged my credit card without sufficient authorization. 
The company said1. I would not be charged even if my insurance company paid nothing. 
2. Then they said that my insurance company paid for it. 
Neither of these XXXX things were true. I found this out because the company charged me anyway. 
I disputed the charge and Sears Master Card denied my claim. In denying my claim they failed in their obligation to protect me from invalid charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (I do not know) with Central Capital Arbitration Firm, LLC (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I keep getting calls from area code ( XXXX ) with the following numbers : XXXX & XXXX & XXXX ( 4 times in one hour today from this last number ). I do n't answer, but they continue leaving voicemail messages threatening to send a server to my door if I do n't call back ; threatening to take me to court. I have absolutely no debt. I looked up the first XXXX numbers and there were many reports of this being a scam. How can these people keep calling me when my phone number is registered? I feel like I 'm being harassed now. Thank you for any help you can provide me!

Company response to consumer: Untimely response
Consumer complaint received 07/27/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Our XXXX XXXX XXXX is owned by XXXX and serviced by Wells Fargo. We applied for XXXX. WellsFargo told us we must be delinquent on our payment in order to apply for XXXX. After ruining our credit by not paying for 4 months, and enduring four months of bureaucracy and insulting treatment ( including demanding to know if I was pregnant ), they denied our application. We investigated the XXXX guidelines, since we understood we were indeed eligible, and reapplied several times, yet each time were denied by Wells Fargo. They insist on bullying us, for many years calling up to 16 times per day, although were are not now ( over the last four years ) more that 25 days late. We feel they have 1 ) violated our privacy and 2 ) refused a legitimate loan modification, accepting Federal Bailout funds but refusing to apply them to our legitimate case.

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