milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2018 about Debt collection (Other debt) with Credit Protection Association, L.P. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I opened an account with XXXX XXXX around XX/XX/2017 for wireless internet. They came to install the internet and it was working for a few a few hours after the technician left, however every time I left the apartment and returned I had to reboot the router. Later that evening the internet stopped working entirely. When I called to have another technician come out to fix the problem they were not available for a whole week. When the technician arrived one week later the same results occurred. When I called to cancel they said it would not be a problem and I would not have a balance to pay due to me not having service during the time I was supposed to have service. The XXXX   Cancelation Confirmation Number was XXXX and I spoke to XXXX   Employee ID XXXX said my account balance was XXXX dollars. The following month I received a bill of {$170.00} I spoke to XXXX   Employee ID XXXX on XX/XX/XXXX and he told me the final bill takes 30 days to generate but not to worry. The following month I spoke to XXXX Employee ID : XXXX on XX/XX/XXXX and she now told me it would take 60 days to generate the final bill with a XXXX  balance and it would not be a problem. I called again in XX/XX/XXXX to be told now it would take 90 days. Every time I asked to speak to a manager or someone else who could assist me and was denied this. It would also take me 30 plus minutes on hold before I was able to speak to someone. In XX/XX/XXXX I recieved a Collections Notice from XXXX XXXX XXXX XXXX claiming the same {$170.00} from XXXX XXXX. I again tried to reach out to XXXX directly and was told now there is nothing they can do and my account is in collections. I have never had an account in collections, I have never had a late payment, I value my credit and ensure I maintain it in good standing but I refuse to pay this balance because it is for services I never recieved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan modification,collection,foreclosure

Complaint: We submitted a complaint with your company. Nationstar customer care contacted us and told us we could reapply for making homes affordable even though we got an auction date. Our auction date was XXXX XXXX. We got our paperwork faxed over to customer care at nationstar on XXXX XXXX. By making homes affordable rules you must have paperwork in 7 days before auction. I stayed in constant contact with the representative. On XXXX XXXX I received an email from XXXX XXXX at nationstar that she was going to check on the status of our application. We never heard back from her until XXXX XXXX stating that we had our home auctioned because they never received our application. I have the transmittal showing XXXX pages were faxed on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Consumer Loan (Installment loan) with Monterey Financial Services LLC (KS).
Issue: Managing the loan or lease

Complaint: My complaint is against Monterey Financial Services XXXX Inc. in California. There are several problems with this company and their fees. I was charged a no sufficient funds charge of {$30.00} in XXXX XX/XX/XXXX. I immediately called my bank since I knew the funds were in my account. The bank said no request for payment was ever presented. I called this organization and they would not budge off the premise that I owed their fee. Additionally, they charged me with another {$15.00} which totaled {$45.00} plus my regular monthly payment of {$220.00}. I paid these ridiculous fees so I could be from under this debt as soon as possible. On XXXX XXXX, XX/XX/XXXX I scheduled what I thought would be my last payment. When I checked my account on the following Monday it showed a remaining balance of {$1.00}. I wanted to be away from this account as quickly as possible, so I wanted to pay this off. I was afraid to mail since I felt they would not be honest and post to my account so they could charge more fees. I tried to pay online where I knew they would charge an additional {$10.00} but I was kicked out of the site. On Tuesday, I decided to call to make the final payment and their phone system stated that I owed {$16.00}. I paid the fee so that I would have a {$0.00} balance. My complaint is after 24 months of dealing with this company I have paid a total of {$270.00} in what is listed as " other '' fee since I wanted to pay online so that my account would be credited on the day I paid. It seems to me all of these additional fees and how they collect them could not possibly be legal. They charge {$10.00} for late fees and {$10.00} for paying online and then they slid in the phony returned payment fee of {$30.00}. To make matters worse they are showing my last payment as a write off and not as a final payment nor do they show the {$16.00}. They show {$1.00} was the balance the day I paid the account in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XX/XX/ check number XXXX in the amount of {$240.00} was presented and NOT paid by Bank of America. On XX/XX/2018 a fee for {$35.00} was charged. 

On XX/XX/ the check was returned to the business. 

On XX/XX/ the check was presented and processed electronically. 

On XX/XX/, THREE FEES in the amounts of {$30.00}, {$35.00} and {$35.00} totaling {$100.00} were charged. 

On XX/XX/ the check was again returned. 

On XX/XX/ a fee in the amount of {$30.00} was charged. 

FIVE FEES totaling {$160.00} were charged for ONE CHECK-which was never paid by Bank of America.

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX XXXX, XXXX a XXXX account number XXXX XXXX XXXX bank had been re-inserted onto my credit as a negative item. XXXX is required to notify me within XXXX days of re-inserting a previously updated item. I did not receive any such notification. I am asking that this item please be updated immediately on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Credit card () with SYNCHRONY FINANCIAL (IN).
Issue: Delinquent account

Complaint: Wal-Mart / Synchrony Bank is reporting a XXXX balance chargeoff on my credit report when, in essence, the account was never paid late. Moreover, they have put the account {$280.00} over my initial credit limit of {$400.00} which is lunacy. Finally, the company STILL has not made me whole after CFPB found Synchrony Bank ( the owner of my account ) /GECRB to have illegally offered credit card protection products. 

It should be noted that I currently have a TCPA complaint filed against XXXX XXXX XXXX, the current collection agency assigned to this account. This is still in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX a " Small Balance Adjustment '' of {$.00} was made on my account. After spending 45 minutes of my time and speaking with XXXX, who transferred me to XXXX, who transferred me to XXXX who transferred me to supervisor, XXXX I could not get a resolution. XXXX informed me someone from escalations would return my call within 24 hours. This is the third occurrence of this nature. On XX/XX/XXXX a " Small Balance Adjustment of {$1.00} was taken from my account and again on XX/XX/XXXX another " Small Balance Adjustment of {$1.00} was taken from my account. After spending hours of my time trying to resolve the issue I submitted a complain to the Consumer Financial Protection Bureau on XX/XX/XXXX. Per conversation with XXXX XXXX from Bank of America ( XXXX XXXX ). he informed this was a computer glitch and it would be resolved by XX/XX/XXXX. The XXXX " Small Balance Adjustment of {$1.00} each were returned to my account. If this computer glitch was resolved by XX/XX/XXXX why is it still happening on XX/XX/XXXX? I was informed by your customer service representative that I am not the only person having this problem, like this should make me feel better. Why do I, as a Bank of America customer have to spent my time addressing the same issue month after month. You, as Bank of America employees get paid for your time. No one pays me for the time I spent trying to resolve this issue. I need a reason this keep happening and what you are doing to resolve the issue. Sorry, but a computer glitch does n't satisfy me because that does not seen to be the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ray Klein, Inc. (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I had an on the Job Injury. XXXX did not pay {$700.00} while I was going to XXXX XXXX XXXX XXXX. XX/XX/XXXX It was sent to Ray Klein Inc. dba Professional Credit Service. I was then put on SSI. 
XXXX XX/XX/XXXX Ray Klein Inc. dba Professional Credit Service Garnished my savings from an out of XXXX Credit Union for {$1400.00}. I spoke to An Attorney XXXX XXXX an was told this was illegal. 
Spoke with XXXX XXXX employee of Ray Klein inc. dba Professional Credit Services he said to fax copies of bank statements showing my SSI direct Deposit and copy of Bank statement showing where I sent the deposit into savings. I would be refunded. I did send copies. I am contacted by XXXX XXXX Ray Klein employee dba Professional Credit Service she asked for the same thing I refaxed paper work. I told her I want a " Refund '' of {$500.00} for the reimbursement of my SSI she said it would have to be a Loan I would need to make payments on. Now they have all my Bank info an I have to change to a XXXX card instead of a bank so they wont have my information. I have been lied to regarding this and I Want my monies back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I graduated in 2013, am unemployed and not able to pay the {$800.00} per month pay back on my loan. I am looking for employment and, the monthly payment is too large for me to be able to pay while covering my living expenses. 

I have repeadetly contacted Wells Fargo for assistance in lowering my monthly payment. I do not qualify for consolidation because of my credit score which was marred by Wells Fargo. In addition, even if they DO offer a consolidation loan, the interest rates are very high and it would not lower the monthly payments. 

It is impossible for me to pay {$800.00} and I am hoping for assistance in renegotiating the loan with a reasonable monthly payment.

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 01/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently got my credit report which showed my credit scores. TransUnion and XXXX have gone down XXXX points. I have been trying desperately to reestablish credit since a medical bk and foreclosure as I know how important good credit is. I have over the past 3 yrs purchased a home & opened up credit cards, paying them off immediately. I recently refinanced my home & bought a new car. I shopped around & it is my understanding that I could shop around for 30 days & those inquiries which were for the same thing & done within 30 days of each would only count ONLY XXXX. Apparently this is not happened according to XXXX. I have several refi inquiries & also auto inquiries which I do not believe has been fed properly to XXXX who is determining my credit score. I need to get this straightened out so that my score can improve. The credit reporting agencies say I can not dispute a Inquiry. They say I must contact the company on the report ; find out who made the inquiry ; contact them and either ask them to remove it if it were in error or if it was not authorized by me. I have done this with several. Please note XXXX had pulled my credit on XXXX & XXXX /out my permission They say they will remove same. Others say they ca n't do it..So I am at a loss at what do do as each XXXX is XXXX points and is adversely affecting my credit Note : 1 ) XXXX pulled for XXXX Mortgage XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX for refi within 30 days 2 ) XXXX pulled for Full Access Mtg XXXX/XXXX/XXXX & XXXX/XXXX/XXXX within 30 days 3 ) XXXX pulled for XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX Store XXXX/XXXX/XXXX for auto loan -- XXXX XXXX XXXX XXXX XXXX as well on XXXX/XXXX/XXXX all within 30 days ; XXXX Bank which is NOW XXXX Bank had several different inquiries : XXXX Bank had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX which seems crazy to have it pulled twice on the same day!!! I just spoke to them They are writing a letter to credit bureaus to have them removed as they did NOT have my authorization to do so after checking their records. 
I am frustrated because I ca n't dispute these with credit reporting agencies, many of the companies I call do n't want to remove them ; I ca n't get help from XXXX who is the XXXX that report the scores ; and I ca n't get help from the reporting agencies who feed the info to XXXX -- YET my credit is getting damaged and there is no one to turn to. Please research this let me know how to best proceed and if in fact some of these can be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 am trying to get my home loan refinanced as my daughter will be a XXXX in College and Experian is severely impacting my abilities to refinance. On or around XX/XX/XXXX i applied for a refinance loan with my local bank, XXXX XXXX XXXX XXXX XXXX. They pulled my credit report which was through Experian. Experian sent them my credit report and a copy of my credit report to me. First I noticed, my name last name was wrong, my last 4 digits of  my SSN was wrong, they had over 13 creditors that were on the report that were wrong. I contacted Experian as this is giving me a negative affect on my credit report and FICO score. My daughter is unable to register for college as I was depending on this refinance with my bank in order to register her in college.
After speaking with Experian, they accepted that they had reported incorrect information on my credit report and that they would fix it. I did receive a letter about a week or two later showing they had corrected my name, SSN, and removed about 13 creditors mostly all were negative reports on my credit report. I spoke with a person named XXXX and XXXX, I asked to speak to a supervisor, which they could not find one after being on hold for about 20 minutes. Today XX/XX/XXXX my bank called me again after i let them know that all should be resolved with Experian and my bank told me that Experian is still reporting my old information to them. Please some one help me to resolve this negligence on E xperian 's part.

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 02/16/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (ME).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX/XXXX/XXXX emailed hardship application and supporting financials to Caliber XXXX/XXXX/XXXX Caliber requested rental agreement for rental income XXXX/XXXX/XXXX LOE needed for one item on the RMA XXXX/XXXX/XXXX Letter from Caliber acknowledging receipt of a complete packet, review to be conducted in 30 days, letter is attached XXXX/XXXX/XXXX contacted XXXX for status update, XXXX advised that the in house was completed but then they realized that this loan qualified for HAMP review ; file went back into review on XXXX/XXXX/XXXX XXXX/XXXX/XXXX Caliber advises file pending review XXXX/XXXX/XXXX Caliber advises need more information to complete review-additional docs send right in XXXX/XXXX/XXXX Caliber advises again more information There have not been any missing documents letters received by the homeowners. It has been nearly 90 days since the original packet was sent to XXXX ; XXXX review should have been completed prior to an in house review. We do not understand how they can get away with violating the guidelines. This loan is incurring additional interest and escrow advances making it more difficult to leave modification options available Caliber needs to be looked at for violation of CFPB guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: multiple letters were sent to national credit systems and request for documentation to validate debt per fcra. I received notification from the credit bureaus stating that the account was verified. I did n't receive proof of investigation for account number XXXX. 
this account has also been on my credit report for 7years which is from my understanding when it should drop from my credit report. do n't know if they have a license to collect in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The Delaware Department of Transportation obtained the services of Professional Account Management, LLC ( " PAM '' ) to collect a alleged debt from me. Despite multiple dispute responses, PAM continues to harass with me threatening letters and telephone calls. On countless occasions, I have disputed the validity of the debt in its entirety and PAM continues to ignore my signed, written responses. PAM is violating the text and spirit of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (OH).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I purchased a prepaid XXXX valued at {$25.00} through XXXX XXXX XXXX XXXX at one of their supercenter locations. I was charged a {$3.00} activation fee through the store. The card was activated, and I registered it online. I tried to use it for an online purchase, but unable to do so. I called the company which handles the card, XXXX to sort it out. After learning the card would be useless for my intended purposes, I asked if there was a way to get a refund. Instead of answering the question, the agent canceled the card as lost ( it was n't ),  and ordered a new one which they initially were going to charge me a fee to do so. They eventually waived the fee to replace the card, but nothing else. I still will not be able to use the card as intended, and I am still out the {$3.00} activation fee. I also have to wait 7 to 10 business days to get access to the money.

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 02-07-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I went to the XXXX XXXX XXXX on XX/XX/XXXX and reported that the battery on my XXXX is not staying on. The guy working there ( XXXX ) told me he could fix it. I went to pick up and did not realize till I got home that he never fixed.I went back there twice and called over there half a dozen times with the store reps playing games and telling me I had to come back etc. Since I paid with my XXXX and assumed I was perfectly okay I called BOA to file a dispute as the service I requested was never done. I even told them I would mail the XXXX so they could check and trash upon completion as the XXXX is useless to me now. BOA issued a temporary credit on XX/XX/XXXX but I was shocked when they sent me a letter they would reverse credit 2 weeks ago. I thought the whole point of paying with XXXX   was confidence. They never investigated, did not try anything, did not request XXXX for evidence. When I called over there on XX/XX/XXXX, the BOA rep I spoke with advised me the credit was a courtesy and that if the business does not assent to a credit, they can not process. I was never aware that is how it works. Please investigate Bank of America for misrepresentation, negligence and underhanded tactics. This is not how XXXX works, not to my knowledge or everyone would be carrying cash around and paying with cash.

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