milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2015 about Credit card () with WELLS FARGO & COMPANY (AZ).
Issue: Other

Complaint: In 2008, I was offered a credit card from Wells Fargo Bank. I excepted the credit card incase of emergencies and went over the particulars with a personal banker. One of the topics was rather I wanted to have it linked to overdraft perfection ; I declined to have it linked to overdraft protection as I used a saving account for this. I also knew that if attached to my credit card that interest would build on overdrafts and any fees. 
I attempted to use the card during an emergency sometime in 2008 after never using it and found out that the credit card was full in the amount of {$800.00}. I contacted the bank and they told me it was link to my overdraft and that is why it has the amount of {$800.00}. I took responsibility as my car insurance came out and I used my debit card for about 2 days not knowing it was over drawn. Wells Fargo charged me fees on top of using my credit card which I never allowed them to use for overdrafts. If It was set up to my savings account like I had requested, the money would have been taken out of there and I would have only been charged XXXX small fee. The banker had signed me up for this to gain more of his/her incentive and I went to the branch to dispute this but they continently told me there was nothing they could do. I paid on this bill as I continued to try and dispute it but they would not help in any way. 
I have been paying on this credit card and have it almost paid off. During this time I was still disputing these charges and about a year ago I did not want to pay anymore until they worked with me as this was unlawfully and unknowingly attached to me account and the card has a really high interest rate. During this time they sent it to collections and I am now having issues with my credit and obtaining any financing. 
I am and have been willing to pay my over drafts and even the fee that would have been placed to my savings account. I have now paid XXXX 's of dollars in overdraft fees and high interest due to this banks negligence to monitor what their personal bankers do to receive there quotas. 
I have no problem paying the card off at this point but I do n't deserve to have this negatively affecting my credit as I have paid them over a XXXX 's in interest and fess that I should have never even had to begin with. ( fraud )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen has not been helpful when it comes to me making my payments. I make my payments in person at a local office. It takes a long time for them to process payments and they hold me accountable for paying late fees I should not be paying. I met with a Housing Counselor who has assisted me in my attempts to bring my account current. Last time we spoke with Ocwen they provided the amount due to bring the account current. We sent in that exact amount split into different checks because I had gotten assistance from different sources. They sent one back stating it was not the full amount due, well neither was the other half they accepted. Their customer service will just read the notes to you, and not look or even try in anyway to assist. This has been taking so many hours and I am still not able to resolve the issue yet. It all started on XXXX/XXXX/2015. They sent my payment XXXX years ago they claim, I have not gotten anything back yet. They told me to just re-send it, I see this so pointless. They have added a late fee once again, they should be responsible for not processing the payment correctly, and somehow it ends up being my fault. They have not even offered any type of assistance to me. I have XXXX, and have been having XXXX. When I reached out to them, and explained my hardship they simply said ... .. " This is the amount that is due on your account, do you think you can pay today? ". When Ocwen says, " Helping customers is what we do '' I feel like its a straight lie! Even if they do n't help me, can they just simply do their job right?

Company response to consumer: Closed
Consumer complaint received 02/23/2016 about Debt collection (I do not know) with CAINE & WEINER COMPANY, INC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I would like this collection to be removed from my XXXX credit report was reported as collection debt without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/XXXX all off my inquiries were deleted from. I logged in today and they have been added back on. This has had a major effect on my credit score and it has caused it to go down tremendously.

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 06-08-2015 about Consumer Loan (Vehicle loan) with U.S. BANCORP (CA).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX XXXX, 2015 I tried to initiate a payoff of my Auto Loan on US Bank website. I entered the amount in the box on the bottom that said " other amount ''. I entered the entire payoff of my vehicle along with my banking information and clicked " submit ''. I was met with a screen that said " unable to process your request online, Please call ''. I called the XXXX number to speak with a representative. They advised me that such a large payment ( approx. {$25000.00} ) could not be paid online and that I would have to mail them a check. She provided me with the address and I sent them a check. Well Monday XXXX XXXX, 2015 comes around and I check my banking statement. Low and behold that payment that I attempted to make online XXXX/XXXX/2015 was processed and taken from my bank account. US Bank online banking webpage never gave me a confirmation number or indication that a payment was accepted. That fact that the only thing the US Bank website told me was " unable to process your request online, please call '' tells me that the payment was not made. US Bank website does not offer a way to view pending payments made online, no email notifications are sent, and their is no way to cancel a payment you have made online even before it is processed. Since I sent a check through my XXXX XXXX account online bill pay that was delivered XXXX XXXX, 2015 my account was overdrawn due to the lack of information on US Bank website advising me a payment was processed when the fact is that its website clearly told me it was unable to process my payment. I have encountered fees for payments that could not clear due to the incompetent website US Bank provides its customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: CREDCO pulled my XXXX, XXXX, AND XXXX   credit report on XX/XX/18 with out my permission or written 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 explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I reached out to experian on two occasions about a fraudulent account listed as XXXX XXXX XXXX XXXX XXXX on my credit report. Experian claims to have investigated the complaint and in the end the issue has yet to be reosolved. I reached out to XXXX ( the originator of the debt ) and they have no such account listed in my name. The account has since been removed from transunion and XXXX but Experian refuses to remove the fraudulent account. I believe that experian has no validation of the account and never did a thorough investigation.

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 03/22/2018 about Checking or savings account (Checking account) with M&T BANK CORPORATION (VA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: When I opened my account with M & T bank, I did so online. I opened an account with them after receiving a mailer stating that customers would receive a {$250.00} bonus 90 days after opening an account as long as they had a direct deposit linked to the account. I applied for my account online using the special code " QC '' or " QD '' can't remember which. I even entered the code in the promo code box. My direct deposit started on XX/XX/XXXX and the account was opened XX/XX/XXXX. As of this date, I have not received my {$250.00} bonus.

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 07/22/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Closing/Cancelling account

Complaint: In XX/XX/XXXX I closed my credit card account with Bank of America. About two months later they processed a " recurring charge '' and sent me a bill, which I paid promptly. On XX/XX/XXXX, I sent them a letter which stated : " I DO NOT AUTHORIZE BANK OF AMERICA TO ACCEPT ANY NEW CHARGES ON THIS CLOSED ACCOUNT '' and " I would like written verification from you that this account is closed and that no additional charges will be accepted. " On XX/XX/XXXX, they processed yet another charge for AAA membership renewal. AAA had notified me that the card on file -- the BofA card -- had expired. However, B of A processed the charge, billed me, thereby ignoring my withdrawal of authorization. I spoke to XXXX people at B of A and was repeatedly told that they could not block future charges, as I had requested. I also requested a letter promising to block the account and to remove me from their data base. The person said, " I 'm not authorized to do that. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: Loan  Care, LLC,   XXXX   XXXX   XXXX ,   XXXX    XXXX , VA  XXXX  Re : Loan  XXXX  Loa  n Care had fabricated ( 1 ) a payoff, ( 2 ) a delinquent and ( 3 ) a default all at the same time ; whereas evidence indicated none of the above is true.
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My record also indicated that Loan Care has mess-up of the same mortgage account about a year ago, and dragged long enough to correct it. When the mess-up was cleared you had irresponsibly posted a derogatory on your customers credit file for the mistake you initiated.
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It is apparent that Loan Care never service their customers account seriously and professionally.
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The attachment will give a full of the complaint.

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 01/28/2018 about Debt collection (Medical debt) with Simon’s Agency, Inc (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was admitted into the hospital back in 2014 and a doctor who seen me while I was in the ICU kept sending me bills. I called up XXXX XXXX XXXX and gave them my insurance information again. My insurance paid the bill and XXXX XXXX XXXX placed me in collections. I called up the collection agency and they are saying that they have no record of the collection account. When they are the ones who are reporting the account on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a bankruptcy listed on my Equifax report that was settled, paid in full and closed in 2007. It is still listed under deragotory complaints. I believe this should ne romoved as it was resolved 9 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Debt collection (Medical debt) with Armor Systems Corporation (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have Illinois Medicaid which paid in full.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX and XXXX and XXXX are reporting an account on my credit file that is not mine. I have never applied for any loans or any sort with this company. And due to this has caused my credit score to decrease and show negativity on my credit report. I know nothing about this company. However I have XXXX the company since learning of it being on my credit report and they are on a scam list. 
I have never ever applied for anything with them and would like to know how my information was provided to them to create such a scam. The company name is MIDWEST RECOVERY SYSTEMS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX This company is representing for another scam company :XXXX XXXX /XXXX I obtained all the above information from my XXXX credit report. 

The company claims that I owe {$1100.00} I OWE THEM NOTHING!!!!!! CAUSE I HAVE NEVER EVER APPLIED FOR FOR ANYTHING WITH THIS COMPANY. 
I AM PRAYING FOR RELIEF FROM THIS SCAM. 
Along with this I am also seeking legal help has well.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XX/XX/XXXX, I received an email from XXXX XXXX XXXX saying they were a student loan forgiveness program. I enrolled in their program with a contract of 240 months, paying {$49.00} a month for 40 months. After that as long as my income did n't change and I made payments on time my entire student loan debt would be forgiven. Last month, XX/XX/XXXX, I received a statement from Navient where I noticed the loan was accruing interest. I contacted XXXX XXXX XXXX, on my first attempt the phone number I was given played a recording that the company no longer was accepting phone calls on behalf of XXXX XXXX XXXX. I XXXX the company on XX/XX/XXXX and spoke with a manager named XXXX, ID # XXXX, who told me after 3 days I was no longer able to cancel the contract. I 'm contacting the CFPB because XXXX is using a third party collection agency XXXX XXXX who is expecting payment and should this turn out to be a scam I do no want to continue paying for a service that is not doing what they said there company would do.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX Violation of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR XXXX XXXX XXXX reported 9 separate accounts with late payments to XXXX, XXXX, and XXXX. I disputed these accounts with the credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX and all disputes came back as 'verified '. I sent a letter to XXXX XXXX on XX/XX/XXXX and another on XX/XX/XXXX, asking for an investigation of said accounts. By law, they had 30 days to respond to me. To this date, I have received no replies from XXXX XXXX, yet the derogatory accounts are still listed on my reports. 

Please see attached letters that I sent to the credit bureaus and to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: recently i file a complain best buy citi credit card about the unreasonal interest charge but they give me back the answer is ridiculous they say if two month in the row i pay it full amount i do n't need to pay interest the question is XX/XX/XXXX and XX/XX/XXXX i pay full amount in statement balance but i still need to pay interest on what they say billing cycle that is unacceptable answer they can say whatever they want and do whatever they want to ripe the customer off and how they count billing cycle this is only credit card cheating me and what mean by statment balanceso if like that they do n't need to sent people statment just keep saying that statment balance is nothing billing cycle is right

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 02-05-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I purchased a home in XX/XX/XXXX. The mortgage was issued by Bank of America ( BoA ). I then opened a checking account with BoA because they offered their Advance Tiered Checking account to customers who had mortgages with them free of charge. the fee for this account is normally $ XXXX/month, unless you have either $ XXXX in the account or qualify for free checking through some other offer, such as having a mortgage with BoA. Several years later, I think in XX/XX/XXXX, BoA sold my mortgage to a third-party servicer. I did not want to be serviced by a third-party, but I have no control over what BoA does with the mortgage. Apparently, BoA issued a waiver at the time so that the {$25.00} fee would not be withdrawn from my account since I no longer had the qualifying mortgage for the checking account. I was not informed of said waiver. Fast forward to XX/XX/XXXX, BoA audits my account ( without telling me ) and cancels the waiver ( again without notifying me ) and promptly begins withdrawing {$25.00} from my account each month. I noticed this in XX/XX/XXXX after BoA had already taken {$100.00} in fees from my account. I complained to their customer service department but was told that they would only return {$25.00} and that basically I was out of luck and should switch accounts. Do NOT bank with BoA. They are crooks.

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 07/15/2015 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: Enhanced Recovery added a collections account to my credit report on XXXX/XXXX/14. I noticed the debt on my credit when I checked it in XXXX 2014. I sent the first certified letter XXXX XXXX, 2014 and have sent multiple letters since then to this company and all 3 credit bureaus. We have sent multiple certified letters to Enhanced Recovery Company , LLC requesting verification of the debt because it is not mine. They have refused to provide proof of the debt and refuse to remove the item from the 3 credit reports.

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 04/27/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (FL).
Issue: Other service problem

Complaint: On  XXXX  -17 a t  XXXX , Florida  Branch of Chase JP Morgan bank, I need ed to wire transfer almost {$160000.00} from my checking account that I have had with  Chase JP Morgan ba nk to the  XXXX   XXXX   XXXX   ,   XXXX  located in  XXXX , Florida.   The transfer was performed quickly without any disturbance, however the problems appeared after I requested written confirmation for that transaction. The employee who performed the transfer (  XXXX   XXXX   XXXX   ) br ought the filled up form of Wire Transfer Outgoing Request but refused signing that confirmation. I was very surprised and asked why couldnt he signed that form. He told me that the rules dont let him. That made me even more surprised. After some painful conversation he went to the branc h manager asking for signature. She, ( the branch manager, a  lady who didnt even introduced herself, so I dont know her name ) signed that form.   However, when I asked her to sign the Service Confirmation form she refused telling me that the bank branch keeps all documents. Thats alright but I need that document in my records as well, I said. Still, she wouldnt sign that document. I was not able to understand what was the problem with signing that document by the manager or the employee who performed the money transfer. I strongly requested signing she kept refusing. She raised voice at me in public in the main area of the branch office. Many people witnessed that very ugly quarrel. Finally I was forced to give up and I left the branch without the signed document. I hope I dont need to explain how upset, insulted and humiliated I felt. And I still dont understand what was the reason for that lady to be so stubborn refusing signing the document given to customer. The document important to me  ( almost {$170000.00} ), which in nor mal business environment mustve been signed by a responsible party. If I had a little bit more time I would probably call police because her behavior looked very suspicious.   I have been your client for probably longer than 15 years. Was my request really something illegal or unusual? I have to say also that Ive never been treated in any business place like that written above.   The situation, which Ive described above brings impression that the Chase bank doesnt care much about its customers, because some of Banks employee miss the basic skills, neither training to deal with customers, act very unprofessionally ; having no idea how they need to treat the Banks customers.     The worst is that I still do not have idea why I had been exposed to all of that stress. Why the person, who made important work for the customer was so stubborn and rude and kept refusing to the end, signing that job was done properly. I can not believe that.

Company response to consumer: Closed with explanation