milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On the evening of XXXX XXXX, XXXX between the hours of XXXX XXXX pm I accessed a Bank of America branch located at XXXX XXXX and XXXX in XXXX New York XXXX Prior to entering the branch I saw a man trying to access the three machines. I entered the branch and went to access the atm to the far left. He stated " That machine does n't work. '' Although I found his statement strange I used the atm to the far right. I withdrew {$20.00} from my account and proceeded to make a purchase at XXXX 's XXXX on XXXX XXXX. Several hours later at XXXX XXXX I received an email notification from Bank of America stating " your balance is below your chosen alert limit '' XXXX. Account : Personal Checking/Savings account-XXXX Date : XXXX XXXX, XXXX. '' There was a follow-up email at XXXX XXXX that stated " Debit/ATM card transaction occurred above your chosen limit amount Amount : {$400.00} Debit/ATM card : ending in -XXXX Where : at Bank of America-XXXX , NY Transaction type-ATM withdrawal When : on XXXX XXXX, XXXX. '' I immediately contacted BOA at XXXX XXXX to notify them that I did not withdraw {$400.00} from my account and began to file Claim Number XXXX. I informed them of all the above and they informed me they would investigate. I was also informed that during the investigation I did not have to worry and my account would be credited the {$400.00}. This morning I opened a letter stating that they determined that no error occurred in the instance. I followed up with a phone call and spoke with someone who identified herself as XXXX ( an account manager ) who informed me that the video footage shows the same person ( me ) who deducted the {$20.00} also withdrew the {$400.00}. This is inaccurate as I never withdrew {$400.00} from my account. During this process I was never informed that I should file a police report nor did I think I would be accused of withdrawing the money from my account. I do not believe they conducted a thorough investigation. I want to view the video footage and I want the {$400.00} returned to my account.

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 06/29/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my home XX/XX/XXXX. Since my purchase, my loan has been sold twice, first to XXXX XXXX XXXX & this last time to Carrrington Mortgage. Looking through the paperwork that I received in regards to the sale I think Carrington Mortgage purchased my loan XX/XX/XXXX but my first letter of contact from them was XX/XX/XXXX. While XXXX owned my loan they pulled my mortgage payment from my checking account twice a month, the XXXX & XXXX for the amount of {$1300.00}. My last payment made was XX/XX/XXXX made to XXXX. I assumed that Carrington would continue to honor the payment arrangements. When next payment came up on XXXX XXXX no payment was removed. I waited a few days assuming that things might be a slow because of the sale. I finally called Carrington regarding the payment not being pulled & was informed that I need to re-apply for this service and that because I was behind on the mortgage they would not consider me until I was caught up. When I inquired about being behind they told me that because they had yet to receive the XXXX XXXX payment I was now overdue ( XXXX pulled this payment on XXXX XXXX and Carrington took over loan on XXXX XXXX ). I was also informed that I had an escrow shortage and that my payment was going to increase. As of XXXX XXXX I will be a little over $ XXXX late on my mortgage. I have cashiers checks for XXXX XXXX, XXXX XXXX & XXXX, XXXX XXXX but I 'm not allowed to make these payments because Carrington does not accept partial payments ( XXXX XXXX is still missing according to their records ). We are risking our credit and losing our home, but would like to see Carrington continue to honor the same terms of our loan that was established with XXXX. We would also like to see them take the partial payment XXXX pulled and apply it to XX/XX/XXXX. When that payment is applied we could then catch up on our loan with the cashiers checks that we have.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Mortgage (Conventional home mortgage) with Residential Credit Solutions, Inc. (NY).
Issue: Trouble during payment process

Complaint: We tried on numerous occasions to secure a mortgage modification to allow us to keep our home, and  Residential   Credit   Solutions   (  RCS ) repeatedly blocked our attempts by not returning phone calls, emails, etc. We were told to submit duplicate paperwork on numerous occasions. When they finally offered a "  XXXX   XXXX   XXXX  '', we were advised that this was the only program they had looked at for us, they did not advise us of any other programs that might be available to us, and their modification did not change the monthly payment at all, thereby keeping us in an impossible plan, setting us up for failure, and virtually keeping us in the same foreclosure risk. They told us to look over the  XXXX   XXXX   XXXX  and call them back. When we did call them back, we told them we did not want to sign the agreement, we wanted to explore other options. They refused to look into a payment deferral, saying it would ruin our credit. Our credit was already ruined by virtue of their dragging this process along for 15 months. Numerous times, when we were finally able to speak to a representative, and only after they had been contacted by third parties ( including congressmen and women, and newspaper reporters, they gave us misinformation, or told us they would look into other programs and then never called back. We have voice recordings of those telephone conversations, and solid proof of our attempts to obtain information to allow us to make informed decisions. We were forced to cash in our   XXXX    money in order to clean up our own credit and were finally able to secure a new mortgage with a reputable banking institution, with a much lower payment and lower interest rate. However, not only is our  XXXX  gone now, but we incurred expenses in excess of {$23000.00} in order to mitigate our damages. This was not a modification of our existing mortgage. It was a total re-mortgage, and without benefit of Truth-in-Lending law protection.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX has reported to credit rating agencies that I had late payments for a credit card account that I did not know existed. 

In XX/XX/XXXX, I bought 2 pairs of pants for {$74.00} at XXXX XXXX. At the checkout counter, the cashier asked me if I wanted to get an XXXX XXXX card which I thought was a Rewards Card ( not a credit card ). I said OK and then was asked to provide my XXXX XXXX card and I assumed that the purchase was going on my XXXX XXXX card. 

I never received an XXXX XXXX credit card and I never received any bills from XXXX XXXX 

In XX/XX/XXXX, XXXX XXXX  sold the account to another lender. 

In XX/XX/XXXX ( over 9 months later ), I first became aware of the XXXX XXXX credit card account when a copy of the XX/XX/XXXX bill was provided to me by the lender that purchased the account. I immediately settled the account in full with the new lender. I also observed that the copy of the XXXX XXXX bill had an incomplete address which is the likely reason that I never received any bills from XXXX XXXX. 

On XX/XX/XXXX, I began the application process for a mortgage on a condominium purchase and was shocked to learn that my credit report contained a number of negative items such as late payments and charge off status. These items were all from the XXXX XXXX   credit card account that I never knew existed. I have always prided myself in paying all my debts in full before their due dates and was expecting to see this reflected in a strong credit score. Instead, the XXXX XXXX credit information has negatively impacted my score in a significant way.

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 07/15/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have told this bungling clerks for [ XXXX ] years now, they continue with there self-created blunders. HOW many times do I need to repeat myself?! # SAME sloppy errors in my husbands report. This phony non-existent postal address there sloppy incompetence insists on!!! HOW did they verify something that [ never ] existed?! # Outrageous XXXX. e.g. these sloppy inaccurate blunders, are XXXX XXXX XXXX. Real XXXX here. Obvious, this is [ not ] a real postal address, NEVER MINE. emphasis added. There self created blunders [ intertwined ] with XXXX XXXX XXXX, and my husbands CLOSED XXXX, XXXX XXXX, ca XXXX also NOT MINE. There gross incompetence/willfull negligence is punitive!!! PLUS, my old XXXX cell-phone is inaccurate and cancelled, DELETE XXXX. PLUS, I do not have any shared information allowed with my husband. DELETE co-applicant XXXX. MOST incompetent blunder, I want deleted is [ XXXX ] notice statement, concerning my social security number?! XXXX I had this same_only number_ since 2011, when I established my XXXX. OBVIOUSLY upgraded by the social security office XXXX months ago. IMAGINE THAT?! # There arbitrary self created blunders are enraging. WHAT is the formal complaint process?! # These incompetent humans/employees are incapable of safeguarding personal and accurate information. I believe there sloppy credit score ratings, are based on [ how ] many complaints you file on them!!!! Reason, california is complacent with experians blunders, and being the largest. I never had any problems with XXXX or XXXX using simple common sense with my social security number, sloppy, inaccurate blunders. WHAT is the formal complaint/lawsuit process?! #

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: We reached out to RPM LLC, Receivables Performance Management LLC, to pay a debt owed from a XXXX XXXX. We were given an offer for the debt and we paid it, the orignal debt was for roughly XXXX and we paid XXXX in the settlement offer. The very next day we saw on our credit that they put on there we owed the remaining balance of XXXX dollars. When we contacted them they said our manger has to approve and it will get updated, but there system updates every Saturday. The next 3 days they put the same amount on our credit, so its now on there 4 times, so obviously there system updates when they want it to. We try calling them and they either hang up on us, or put us on hold. This is not fair or legal practices and they should not be in business!

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 07-11-2017 about Debt collection (I do not know) with ConServe (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have no contract with Conserve. Conserve is also not licensed to do Business in the state of Florida.. Conserve also had 2 different charges on all 3 of my credit files. They just recently deleted one for & XXXX, but one still remains on my credit report for around $ XXXX.Conserve ca n't send me proof of anything with my signature on it, because I never had a contract with Conserve and the are n't licensed in Florida so I never even received writen notice when these accounts was placed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (I do not know) with Mark A. Kirkorsky, PC (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: A collection attorney has contacted me in the past, re : a debt that was not validated by XXXX XXXX XXXX XXXX. The bank has never sent any debt info, and all matters were resolved with the bank. MARK A KIRKKORSKY PC was notified of this by me, and notified me that I had been sued and already had a judgment against me. I contacted the county attorney who told me this was not true. XXXX office then told me that I would be sued. I sent a written letter to his office, asking for all original documents, and never received a response. When contacting on the phone, I was sent to a voicemail, and never received any return calls. Since filing a complaint about the threats in 2012, the calls have stopped with the exception of a few per year which are normally hangup calls, and when I dial the number it is his office, but multiple times per year he is still sending inquiries to my credit report. This matter was resolved nearly 5 years ago, when neither he nor the bank could produce any validation of debt, yet he continues to persist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Account opening, closing, or management

Complaint: I have a problem getting statements mailed because Wells Fargo wants everyone to subscribe to online. When I am out of town I change delivery preferences to online to pickup the statement to make sure my balance is correct. That change is immediate because Wells Fargo will not allow viewing the statement with the preference of US Mail. When I change it back to US Mail I do not receive statements because Wells Fargo says there is a 30 day delay with that change. This is a man made delay because that 30 day delay is a recent problem because this did not start happening until sometime last year. They are happy to mail a statement with a fee of {$5.00} that they will waive if I call and complain.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (VA).
Issue: Managing the loan or lease

Complaint: I took out a couple of loans for medical/health concerns with CARECREDIT / SYNCHRONY BANK ( XXXX ) in XXXX and have been paying steadily for XXXX year. The loan decreased from over {$8000.00} to over {$6000.00}. I focused on paying this debt down in XXXX and so let other pressing medical needs slide. In XX/XX/XXXX, I nearly fell over when I saw that CARECREDIT / SYNCHRONY BANK had charged me nearly {$2000.00} in interest charges - charges that exceeded the amount of my initial loan, even though I was paying each and every month and had not taken out any additional loans! This should be considered criminal usury in every state, district and commmonwealth in the United States. How can any Attorney General allow any bank to charge interest that puts the person back into a position where it seems that they never even paid one cent for over one year, much less here where the bank puts the person in an even worse position by charging so much interest that it exceeds the initial loan amount?? Such predatory tactics should never go unchallenged! I was actually thankful that I had this as a resource until I realized CARECREDIT / SYNCHRONY BANK put various mafias to shame with their usurious rates!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2017 about Payday loan () with Big Picture Loans, LLC (NE).
Issue: Charged fees or interest I didn't expect

Complaint: Filed for a loan over the phone which I understood to have an interest rate of approx % 100. Did the loan over the phone - after the process was complete I received information and realized the loan was for APPROX % 800 Company is taking {$350.00} every two weeks from my account - ( which is overdrawn now ) If loan is payed according to present schedule It will take me nearly four years and approx {$9000.00}. 

I am willing to pay back the loan with a fair amount of interest but this is excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XX/XX/2016 I noticed a charge to XXXX in the amount of {$390.00}. Immediately I called Capital One customer service to report I did not purchase a ticket on XXXX. The customer service representative cancelled my credit card and issued me a new card. I received multiple letters stating I would not be held responsible as I reported the claim as fraud on my credit card. Last month in XXXX, I received a phone message to call XXXX in fraud protection at Capital One. I spoke with her over the phone and I told her numerous times, this CHARGE to XXXX was NOT MINE. After that conversation I received 2 letters on the same day. One letter stating the issue was resolved and I would not be charged for the fraud charge. The second letter stated I am responsible for the charge because Capital One has me on voice recording stating I made the charge. I called and spoke with 3 managers explaining I would never have said the charge was mine, because it was not. They refused to give me a transcript of the taped phone call. I have written a complaint letter to Capital One and I am waiting to hear from them. I ca n't believe I am going through this with Capital One. I have been a customer for over 15 years. I always paid my bill on time every month and I was fortunate I have not had fraud on my credit card until now. I can not believe they would treat a customer with an outstanding credit score, like mine in this way. I am asking for your help to resolve this issue. All I want is for Capital One to honor their initial decision to remove the fraudulent charge from my credit card. The charge of {$390.00} is currently due on XX/XX/2016 and it is not fair I have to pay for a charge which is not mine. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Payday loan () with ACE CASH EXPRESS, INC. (TX).
Issue: Can't contact lender

Complaint: Received a call from XXXX three times in a row. when I answered guy said he was with the city clerks office and that I was being sued. Told me to contact XXXX. So I did and a guy answered hello ... I asked if this was an attorneys office he said let me transfer you to litigation. Lady then tried to get me to pay an outrageous amount over the phone to settle out of court and said it was an ACE cash express loan. They tried to extort over {$1000.00} more than the debt is. When I called the XXXX number back it went to the city of XXXX but nobody knew anything about a call being placed from it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter dated XXXX XXXX, XXXX from Ocwen Loan Services , LLC ( Unique ID No. XXXX ) asking to provide proof of homeowners insurance on a property I purchased in XX/XX/XXXX. Ocwen owns my mortgage since XX/XX/XXXX or XX/XX/XXXX. The property located in Florida is a townhome in a condominium. We 've always had condo insurance which is responsible for any damage up to " unfinished walls '' meaning that kitchen and bathroom cabinets, wall finishing, flooring, stairs, etc. are not covered. Since XX/XX/XXXX the certificate of insurance issued by the condo association insurance company was enough for the different owners of my mortgage including Ocwen in the last XXXX years. I called the condo insurance company asking to submit to Ocwen the XX/XX/XXXX-XX/XX/XXXX certificate. When I called Ocwen last week to check if they had received the certificate, Ocwen confirmed that they had but that they were asking for additional insurance to cover any additional cost finishing the walls, etc. I asked them to explain why Ocwen had decided to start requesting for additional insurance when for many years the certificate of insurance from the condo association was enough. I was left waiting for a supervisor for more than XXXX minutes until the representative got back to the phone to tell me that someone will call me later. This new requirement is an additional financial burden placed upon me despite the fact that I have never being late with my mortgage payment even when my property was under water. 
My questions to you are the following : 1 ) Can Ocwen decide to up the insurance requirement from what has been sufficient for many years without a new law backing their decision? 
2 ) Can Ocwen purchase this additional insurance without given me enough time to inquiry about the validity of their request? 
I thank you in advance your kind attention to this complaint and prompt response. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Performant Financial Corporation (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2017 A Company who calls themselves PERFORMANT FINANCIAL CORPORATION was allowed to tap into my Consumer Report without my permission. They did an inquiry without my permission. This is Common practice with the Consumer Reporting Agency without Consumer Consent. I want these Foreign agencies to Cease and desist reporting my information, without my Consent, They allow anybody to get into my File without my permission. Please take all of this information out as I have asked on several occasions. This identity theft has got to stop. Send me {$100000.00} for this blatant intrusion into my files.

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