milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-03-2015 about Bank account or service (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: I am a co-executor of an Estate that maintains bank accounts at People 's United Bank. I had to make tax payments on XXXX XXXX. I am providing a letter dated XXXX/XXXX/15 sent from the account officer at Peoples which succinctly summarizes the problem that occurred. There were more than sufficient funds in the Estate money market to cover the tax payments that needed to be made. The IRS is claiming a penalty of {$4100.00} due to the dishonored payment. The Estate accountant sent a letter to the IRS explaining the situation and including a copy of the letter XXXX XXXX, People 's United customer service manager. In response, the IRS sent form XXXX 'Bank Payment Problem Identification XXXX which I forwarded to People 's for completion. They refuse to provide any assistance in this matter as it is their contention that it is not their problem, despite the letter from their officer XXXX XXXX XXXX XXXX acknowledging that it is. In light of the letter from XXXX XXXX dated XXXX XXXX, 2015, the position that Peoples has chosen to adopt is incomprehensible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There was a glitch in transunions system. There are inquiries on my account that are not authorized. Please assist me in removing the following inquiries of my credit report : XXXX XXXX. XXXX XXXX, 2016 XXXX. XXXX XXXX, 2016 XXXX/ XXXX XXXX. XXXX XXXX, 2016 XXXX XXXX. XXXX XXXX, 2016. & XXXX XXXX, 2016

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 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I am contacting regarding the following three cards from BofA : ( 1 ) XXXX There was a {$19.00} credit on my account before XX/XX/XXXX last year and the credit was gone after. A transaction named " CREDIT BALANCE REFUND DEBIT '' was posted on XX/XX/2016. I have no idea of what it is. I never requested for the refund ; I did not see where the refund went either. <P/>( 2 ) XXXX The customer service gave me wrong information about my autopay setup and it prevents me from calculating and meeting the spending request of the welcome offer. I was confirmed a few times by the customer service that I had set up autopay successfully. However, I have been charged late fee and interests multiple times after that. Though they agreed to waive those fees, the inconsistency confused me with the calculation of my spending amount in the given period specified by the welcome offer. I calculated using the payment amount with the assumption that the payment amount should equal to the spending amount ( as the customer representative told me that autopay 's been set up correctly. However, there is discrepancy between them for either the wrong info provided by the customer service or issues with BofA autopay system and hence the spending amount was calculated wrongly ( I missed by ~ {$20.00} ). After finding out this issue, I immediately filled up the difference by spending another {$40.00} in XX/XX/XXXX and tried to contacted BofA. I received a voicemail from BofA during the winter break when I went to another country. I tried to call back and left a voice message but never heard back. <P/>( 3 ) XXXX I should have received a companion pass after paying the annual fee. I did not get anything.

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 03-10-2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: I recently setup an automatic payment on my American Express credit card to pay the statement balance on the due date. Previously I had been paying this account using the mobile app. With the payment due date approaching I logged in to my mobile app and made a payment for the statement balance. There was no indication that an auto payment was already established and the credit card company accepted my duplicate payment. I was made aware of the duplicate payment when it was debited from my bank account twice on the day after the due date causing my bank account to overdraft. Luckily I was able to cover the overdraft while the payment was still pnding. I called to get the duplicate payment reversed and they said they would have to send me a check in the mail that would arrive in 7-10 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-01-2015 about Mortgage (Other mortgage) with FIRST COLONY MORTGAGE CORP. (CA).
Issue: Settlement process and costs

Complaint: XXXX XXXX XXXX. First Colony Mortgage ( XXXX ) XXXX did not Relinquish the Keys to my houses which should have been done No later than XXXX XXXX, 2012 based on No matter what they are you XXXX when he or she gets the XXXX and claimed with faxes and foot step on land rule. The person is accounted for paying the XXXX from SSI and Welfare and the Direct Deposit Abduction Law is not neglected.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I took a private student loan with XXXX XXXX ( Navient ) in the amount of {$10000.00} with my mother as a co-signer in 2008. I was attending XXXX University in XXXX, FL. My new balance is over {$19000.00}. They offered a settlement amount of {$15000.00}. I am currently applying for SS XXXX and my co-signer 's only income is social security. We have both declared bankruptcy in the last year and have asked them repeatedly to accept a smaller payment amount and they refused so I am sending them a small payment monthly. They are calling on a daily basis and stating that they will not accept the payment I am making so I told them to send it back and I would report them for not accepting it. I am sending what I can afford. I have repeatedly asked that they quit calling my cell phone and they said that I had to send a letter. Which I am sending and now they are saying that they only have to follow that if " approved ''. I have told them if they continue to call after I send the letter I will contact my attorney. What options do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX-2013 Not my account Fraud account identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Consumer Loan (Vehicle lease) with VW Credit ().
Issue: Taking out the loan or lease

Complaint: XXXX XXXX my husband XXXX XXXX XXXX XXXX received orders that he was to deploy to XXXX by XXXX XXXX, XXXX. Right after we where notified of the deployment I contacted VWCredit in reference to my lease and to find out steps I need to take since my lease was not to terminate until XXXX XXXX. I spoke to a lease representative and he explained to me the steps I needed to take. I faxed my husband 's orders to them and the next day I received a emailed with a form attached that needed to be filled out by a VW dealership and returned to them 15 days prior to turning the vehicle in. So 15 days prior to us departing we took the form to our local VW dealership and had the form filled out and faxed it to VW credit. On the Friday prior to us leaving for XXXX on our way to visit family for the weekend I received a phone call from VW Credit stating after reviewing the orders they discovered that we did not qualify for the XXXX and would be responsible for the remaining 11 months of payments totaling {$5400.00}. After many phone calls I finally was able to speak to the head of VW Credit leasing department. He sympathized with me but said there was nothing he could do. I explained that I have owned XXXX VW XXXX and have been a valued customer. Also I said if we had been told back in XXXX that we did not qualify for the XXXX we could have sold the car and had no out of pocket expenses since the car was in excellent condition with only XXXX miles on the XXXX lease. Well under the allowed mileage. We ended up turning the car in and it will be sent to auction. We will be responsible for the remaining balance not to exceed the {$5400.00} owed. The head of the leasing department agreed that I had been miss informed and given inaccurate information that ultimately lead to our dilemma. But he could do nothing about it. My brother is part owner of a dealership XXXX and told me that is not true, it is a choice that has been made. I 'm very frustrated by the treatment we received and by the fact that XXXX does not apply to all XXXX XXXX and retired government employees XXXX. My husband gave 21 years to the XXXX and now 11 years XXXX. As a civilian he has XXXX 3 times XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/30/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold by XXXX to Chase as of XXXX XXXX, 2015. With XXXX and original mortgage company, XXXX, I paid my mortgage biweekly. It was due to this free biweekly payment option and the mortgage rate that I signed up with XXXX originally. 
When XXXX sold my mortgage to XXXX, all the conditions of my mortgage stayed the same, including biweekly payment. With biweekly payment, I pay less in interest over the life of the loan and the loan is paid off sooner without any extra financial burden. 
Chase does not have the biweekly payment as an option! I called Chase, stated that this change of mortgage payment results in financial loss to me, and asked them to either compensate me, provide the service, or sell my mortgage to a company that can keep all the loan conditions as it was with XXXX. 
Chase responded that I have to accept their conditions! 
This is outrageous! I want to challenge the legality of Chase action. 

Please help me with this issue.

Company response to consumer: Closed
Consumer complaint received 04-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (OH).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Aargon Agency Inc. is calling me at XXXX. Per Aargon 's records, they know that I moved out of XXXX and now live in XXXX as I am the one who updated that information with them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Out of no where this debt collection shows up on my XXXX credit report. I am a victim of a natural diaster Hurricane Katrina. XXXX investigated this from XXXX XXXX XXXX and removed it from my account. The very next month they began reporting it on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Trouble during payment process

Complaint: For over a year my insurance company faxed proof of insurance to Ocwen our county provided them with proof of address changes on our street I have copies of all of it Ocwen placed forced insurance and will not refund I am XXXX and cant leave my house they wont allow me to make online payments they wont allow me to set up the npaymwnys due for XXXX and XXXX thus making me 3 months delinquent they want all amounts due plus another XXXX for insurance

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: Sears City bank issued me a Sears only use card. when the balance waSXXXX i ORDERED TO CANCEL IT. XXXX CARD REFUSES TO DO SO, ACCOUNT NUMBERXXXX. THE SEARS CITY BANK CARD HAS OVER XXXX SIMILAR COMPLAINTS.THE THREATHEND TO RUIN MY CREDIT.THANK YOU. XXXX XXXX, SS # XXXX PHONE 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 06/18/2015 about Debt collection (I do not know) with Citi Management Group, LLC (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: when this person contacted me at work XXXX times in a row, also going through the receptionist in our office. When I finally had a chance to answer them I ask that he not call me at work and to mail me any correspondence. He did n't even Identify that he was calling for me and told me that he was going to contact my human resources so that I would get fired.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (GA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: This account is showing up as open and it needs to be closed : Partial account number - XXXX Address identification number - XXXX Discover XXXX, DE This account was the result of identity theft. Remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Struggling to pay mortgage

Complaint: The latter part of XXXX, 2010, I got a Home Equity Loan from Bank of America for {$68000.00}. This man by the name of XXXX XXXX that has contacted me on XXXX had been contacting me for months and he said the was getting a loan from XXXX XXXX who was friend of his that XXXX XXXX was a consultant. XXXX XXXX called me several times by phone which he had a New York cell phone NoXXXX and a Texas Landline No. XXXX both which I still have. XXXX XXXX told me that he had contacts at Bank of America and that I had nothing to worry about at all. On XXXX XXXX, 2010,  XXXX XXXX called me stating that he had transferred {$67000.00}. to my Home Equity loan with BOA which it shows on my statement. Bank of America put a hold on these funds for TEN business days for the funds to clear. On XXXX XXXX, 2010, Bank of America released the funds as being good collected funds so I accessed them and did a bank wire as I was told over seas. I think since BOA put a hold on these funds for TEN business days releasing them as good collected funds then they should credit this back to my loan cause if they has not released the funds as being good then I could not have accessed them at all nor would I have accessed them either.I never heard of a bank putting a hold on funds for TEN business days then them not being good funds have you? I would appreciate your help please as this has been a nightmare for me. I have met with a NC State Senator on this issue too who passed a law 104 in NC because of my situation.

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 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX and XXXX fraudulently report Experian, XXXX, XXXX and NYS XXXX XXXX. Experian, XXXX and XXXX continue the fraud. Please refer to attachment.

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 06-11-2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On X/XX/17 I received communication from this company Transworld Systems INC of a debt which is currently being paid monthly with no missed payment to XXXX. They are yet another company that XXXX is attempting to use to try and discredit my credibility. I do n't deal with collection agencies I pay my debts to creditors as I have been from day one with XXXX I would like to charge XXXX and even this company if they continue to harass me for payment of an account I 'm paying. They are in violation of FCRA and I 'm tired of the harassment. I do n't owe XXXX nothing, I 'm paying them every month. I will not pay anyone else for the debt simply because I have no signed contract with them including this company. Unless this company can provide valid proof of this account not being paid to date. I suggest they allow XXXX to continue to receive payments until it 's paid and cease any further contact harassment with me for XXXX. I 'm including again valid proof of all payments to date in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit card () with DISCOVER BANK (PA).
Issue: Advertising and marketing

Complaint: When I filled out the pre-approval application for a Discover " it '' card they responded " Here 's the card we found for you '' leading me to believe that I had indeed been pre-approved but when I filled out the application I was denied. Discover has acknowledged to me that their pre-approval language is misleading, and that they intend to change that, but that does n't do anything for me - I 'm still a victim of their deceptive practices. I would still like to obtain a Discover card - and can assure them that I am going to be a good long term customer, but I 'm very discouraged by this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have had XXXX loans with AES and for some reason they had XXXX accounts for me. I would log into each account online and pay. In XX/XX/XXXX they had my birthday wrong and I faxed them my birth certificate and other documents they said the problem was fixed. I continued to pay. In XXXX XXXX they locked me out of my account. We called to resolve the issue and they said I did not have XXXX accounts and that they could not find the account we were locked out of and wanted me to fax my documents. I faxed everything and then in XX/XX/XXXX made another phone call and asked to pay the balance and for them to resolve my online access, they would not tell me how much I owed to be able to pay it. They sent me a letter saying the account was past due. I called again in XX/XX/XXXX to ask what I owed and they said that the account no longer existed and they had merged both accounts. Then on XXXX XXXX, XXXX a debt collector called me to say that my account was 130 days delinquent. I was not aware that the account was overdue and every time I tried to pay it they told me that it did not exist. They now want me to pay the balance plus charge me a late fee. The late fee should not be charged because it was not my fault that they screwed up my accounts and would not let me pay. I have bank statements and hard copies of receipts of where I have been paying both accounts until they locked me out of the XXXX account in XX/XX/XXXX and said that it did not exist. I am upset that my credit might be damaged and do not know how I am going to catch up on my payments. I spoke to a representative on XXXX XXXX, XXXX and gave her both account numbers. She pulled them both up, she unlocked the account that they said did not exist and told me how much I owed. All this could have been done in XX/XX/XXXX when I was not even behind on payments. I have tried to pay since XXXX and spoken to XXXX different people, all of who said that there was only XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: My plant is with Equifax Equifax is not following fcra regulations they claim that my credit file has split into two different credit files and it makes it very challenging to obtain the correct information I advise on numerous occasions that there is incorrect information on my credit report I 've sent documentation and they 're requesting documentation over and over again it is extremely frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: XXXX, Experian, and XXXX  will not remove a collection account from my file that I have disputed since I discovered it on my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX placed a Collection account on my credit files for {$1800.00} on behalf of XXXX Bank. The account has been on my credit profile since XX/XX/XXXX. 

I have disputed this over and over since XX/XX/XXXX. The credit bureaus continue to say they have already " validated the debt '' in a previous dispute and they refuse to contact the original creditor and dispute the claim correctly. 

I have reported this to the original creditor years ago as a fraudulent account. XXXX still sent the account to a collection agency knowing I was disputing the fact that the account was even mine in the first place.

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