milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I had over paid on a Bank of America credit card that I had done once before and transferred the over payment back into my checking electronically ( from B of A to B of A ) however B of A decided to charge me a cash advance fee and charges on my own money. I Called B of A and complained to where they finally refunded the fees and said to call in next time and make the adjustment manually to avoid the charge. Well it happened again, I called in being bounced around until she would make the correction. I checked my account and the overstatement was gone from my credit card but no deposit to my checking. Called again and this time the customer service rep. said that for some reason there was a check drafted instead of the direct deposit being made. She stated the records indicated that it was to be a direct deposit as I had said and commented how dumb it would be for me to request a check just to put it right back into the bank, also I commented on how I would never do that because USPS and does n't always deliver the mail and quite often we never receive it. She claims she put a stop payment on the ghost check and made a request for the electronic deposit and would have her supervisor call me on Monday for verification of the deposit. This call was on Friday and I watched all weekend long for the cancelled check to show in the mail and /or the deposit to my checking. Come Monday I checked again and still no cancelled check, no deposit and no call from any body. So I placed another call to B of A and asked for a supervisor. This lady was no help at all. now she says that it could take up to 5 to 15 days for me to get my money. This is the last straw. If I messed around and played games with their money I would be charged penalties, fees and interest.I am on social security and have n't received a descent increase for the cost of living in a long time. I now want to charge them interest and late fees and damages. I 'm at risk now on being late with a payment or two because of their greed. I have told each and every person that I spoke to that the call is being recorded just as they record me. I am seeking help in this matter urgently. 
The option below dosent cover my situation. It 's Checking and credit card issues XXXX XXXX vs 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 monetary relief
Consumer complaint received 02-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have XXXX separate accounts in my credit report that are in debt collections and I never tried setting up any accounts nor have accounts with any of the companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Mortgage (Other type of mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Trouble during payment process

Complaint: Caliber Home Loans Servicer Alleged Owner = XXXX XXXX XXXX as Nominee for the LSF9 Master Participation Trust Caliber Home Loans statement XX/XX/XXXX has  a transaction backdated to XX/XX/XXXX! 
Amount back and forth {$40000.00} Mortgage payment and payment reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (GA).
Issue: Account opening, closing, or management

Complaint: I am a victim of identity theft. A bank that I had not heard of before the identity theft is US bank. I live in Georgia and I do not believe they are located in Georgia. The person trying to take my identity according to the bank opened bank accounts and credit card accounts. I denied the debt and they requested information from me which I sent to them, i.e., copy of license, proof of residence, such as mortgage payments and I even sent copies of mortgage statements dating back some years and other statements to prove my residence. I also sent the police report that I filed with hopes that these people can be caught. They wrote back and said they could not do anything unless I sent them a very clear copy of my social security card. I am concerned because when I googled the US Bank I see all the claims of fraud. If they have people in their bank committing fraud I would not want them having a clear copy of my social security card. I offered to go to my credit union or XXXX XXXX and I can take both my birth certificate and social security card and they could verify my identify but they said I would have to send them the information. I would like to know if this a normal because other companies where the fraud was committed such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, asked for a lot of information but not my social security card. Please help me with this because they are reporting the fraud persons address as my address to the credit bureau and will not release me from this obligation.

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 04-11-2016 about Debt collection (Credit card) with CITIBANK, N.A. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX had this account during the statue limitations. XXXX financial systems has put different dates on a XXXX credit bureaus when the account was purchase and forged payment on my account to keep the account open. The payment has rise from XXXX XXXX. XXXX and Citi Financial has put and double jeopardy on the credit trying to collect from the same debt. XXXX XXXX has given me numerous dates of when they purchase my account and I have the dates infront of me when I call about every letter I have receive for XXXX XXXX within the 6 years and more about this account .This account is also past the statue of limitations. XXXX has been acquiring contacting the credit bureaus using my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Payday loan) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Harrison finance employees has been calling from different numbers and does not leave a message saying what company they represent or what the call pertains to.. they simply leave messages stating a name only when calling my phone. It has gotten to the point where they called my job everyday 3x a day as well as family members who I never listed as a reference. I am starting to believe they are looking up my family in the cities directory because they have even started calling my wife 's family and we just got married a month ago and I received this loan almost a year ago. 
I have sent in partial payments and the company states that they will not except anything but full payments. I have asked numerous of times for them to simply stop calling but now its has lead to full time harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Payday loan, title loan, or personal loan (Installment loan) with Avant Credit Corporation (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have had this loan sin  XXXX   XXXX ,  2015 over two years paid the loam on time. I ran in to difficulty in the last few months. I was offered a payment arrangement by Avant however I ask do not direct draft my account. They set up the payment arrangement one time it 'go through I had to wait over 30 days for the support dept to resolve the issue then they cancelled it and created an additional one. Same situation  the direct draft which I request they not do. That one was cancelled. I complained asked for management told it was forwarded to support. I was told they would call me back. Today I was notified it has been report 120 days late. This I believe an attempt to use the credit reporting agencies to harassment in paying this debt. There has been no other communication in writing or phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Credit card () with First Data Corporation (IA).
Issue: Other

Complaint: My wife and I have received credit cards and statements from credit card companies addressed to someone else to our address. We have lived in our new home for 3 years this XXXX. No one else has lived at this address. This is a new address/new home in a new subdivision.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have suffered severe hardships that have led to me falling behind on my mortgage. My hardship began when my ex-husband basically abandoned me and my son XX/XX/XXXX-this led to our divorce in XX/XX/XXXX. My ex-husband was the main income earner for my family and after he was fired from his job of almost 10 years we started to have problems with paying bills. When the divorce was finalized I was awarded this home and spousal and child support. Due to him losing his job that support stopped for me and my son, making the mortgage payment unaffordable for me. I receive XXXX for some debilitating conditions and in XX/XX/XXXX I was diagnosed with XXXX. The diagnosis as debilitating as it is, has not stopped me from doing what I needed to do to keep my home. I wanted to keep my son in his familiar neighborhood, that has proven to be a challenge for me. I have been appliying for mortgage relief with Nationstar for years now. I have income to prove, I can afford a mortgage payment but have experienced nothing but difficulty in the review of my options. I was even foreclosed on back in XXXX of this year, another error by Nationstar, that was corrected via them rescinding that sale. I was told they would work with me on a HAFA short sale, I desperately need relocation assistance to move my young son and my mother that is now in XXXX. I listed my home as instructed by Nationstar with an agent that presented an offer to them for consideration, this was all before any new sale date was set on my home. Nationstar working against me set a sale date on my home and are now using that sale date against me, refusing to proceed with reviewing everything I have given them. It is painful to come to terms with having to let go, now I must also face being forcefully removed from my home of almost 15years! I have worked tirelessly with this company, I am not trying to delay anything

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
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 received a response from XXXX XXXX and I am not satisfied with the response from XXXX XXXX. XXXX XXXX denied my request to remove a 30 day past due on my credit report. I attempted to make a payment using my phone and I thought the payment went through to my knowledge but it didnt as I later found out. XXXX XXXX website has been down multiple times over the past couple years and I believe this was the source of the problem. When I finally found the error in nonpayment - I posted a payment that was I believe 31 days late and I paid the current bill. I recently changed my cell phone and XXXX XXXX was unable to reach me to notify my of the late payment. XXXX XXXX is purposely trying to keep this damaging information on my credit report when I was only 31 days past due. 

XXXX XXXX is not being truthful when it states the customer has received two invoices to advise of the account 's need for payment. No late payment notices or invoices were sent to my current or previous address. I have never been 30 days past due on any of my previous payments to XXXX XXXX in the past 4 years nor have I been late on any bills for the past 10 years. It is disheartening to learn XXXX XXXX has such a hardline attitude towards the circumstances 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 10/19/2015 about Mortgage (FHA mortgage) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to complete a short sale with BSI Financial who has now purchased my loan as servicer XXXX ( lender ), as outlined in the Relief from Stay they filed in my Bankruptcy case. My agent has been working with them and receiving emails directly from them in which they continue to change the terms of what they need to get an approval. First, they declined the offer we presented due to it being an investor buying my home and the value being too low. BSI sent an appraiser to look at the value of my home, and he went inside my home on XXXX XXXX, 2015, but never disclosed to me what the value is. My agent and her short sale team requested the valuation many times without any response from them. I believe they have to provide it per the XXXX valuation rules. The bank then cut the commission in a later email to make it harder to obtain a buyer. Then, they required the buyer be owner occupied and get cross qualified with their lender. They even provided exact XXXX comments that my agent used exactly as they requested. We complied with this and my agent held an open house and obtained an owner occupied buyer ( and getting the Owner Occupied Affidavit signed that they provided ) with a much higher offer, {$15000.00} above market price. The buyer did get cross qualified with their lender as they requested. We submitted the full offer with all documents, repair bids and comparable sales as they requested. They declined the file with no reason other than a XXXX line email " offer is too low ''. BSI Financial should provide me with the value they believe my house to be worth and/or counter offer the great buyer we have. Its a nice family who is spending time and money to wait for some response from the bank. My agent and short sale team emailed BSI on XXXX/XXXX/15 requesting correspondence within 3 days and to provide the valuation done on my home. We have yet to hear anything from BSI Financial. XXXX XXXX XXXX is the person who has been in touch with us. We have asked for his manager and left many messages with no response. In addition, my lawyer has already obtained the required approval from the bankruptcy court allowing the short sale, which cost me legal fees. I do not believe that they are doing anything to assist me preventing foreclosure on my home, in fact, they seem to be stalling and trying to deny me as they want to foreclose. They clearly do not want to work with me on this short sale, even though I have a physical and financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I had applied for Lowes Credit card via online. I had infact used this card in the store also. Later due to some issues either I misplaced my card or just lost it. I asked Lowes to send me a replacement card - is it a big deal. Since then I am going thru all sort of troubles ... rather than sending me a replacement card ... they troubled me like anything. 
Finally i got this letter that they had closed my account - why???? I have no idea? 

Does n't this Lowes or XXXX XXXX are aware of the fact that obtaining a credit card incurr hard inquiry on someone 's credit history?? Is it a joke to close the account unless somebody ask or agree for that? And please do n't make excuses for some useless fine terms.

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 03/28/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Modification of loan granted in XXXX by Citimortgage then " unbooked '' by Citimortgage in XXXX XXXX due to their " internal issue. '' As a consequence, Citimortgage has reported nine months of delinquent payments and inaccurate balance of account to the XXXX credit bureaus dating the inaccurate data from before the modification was approved. I have documentation from the company assuring me that no negative reporting would occur. I submitted disputes to the bureaus but when updated, information from the mortgage company continues to reflect the inaccurate information with even greater delinquencies.

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 09/25/2015 about Prepaid card (General purpose card) with U.S. BANCORP (CA).
Issue: Fees

Complaint: I received XXXX ( XXXX ) USBank Cash+ Bonus Rewards Cards in the mail some time ago, each valued at {$25.00}, for a total of {$75.00}. They were Visa cards. The first one has a " Valid Thru '' date of XX/XX/XXXX, the second XX/XX/XXXX, and the third XX/XX/XXXX. 

Apparently, though, these " Valid Thru '' dates are not the actual expiration dates on the card. Instead, USBank helped themselves to {$2.00} per month after 12 months had passed on each card. Even though the " Valid Thru '' dates on the fronts of the cards said XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, in actuality, all three cards have been completely drained by USBank. 

This seems to me to be a deceptive business practice. A reasonable person would expect the " Valid Thru '' date on the front of the card to be the date the card expires. The cards themselves appear as a standard Visa credit or debit card, with the card number, the customer 's name, and the " Valid Thru '' date embossed and in silver on the front. 

I can give the XXXX credit card numbers ( and attendant CVVs ) on request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2018 about Debt collection (Private student loan debt) with Riverwalk Financial Corporation (RI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was, briefly, a student at XXXX XXXX in XX/XX/XXXX. My student loan balance was taken on by XXXX XXXX XXXX XXXX. I was advised by a member of XXXX XXXX staff that I could temporarily defer payment on said loan due to financial hardship which I did via a 3 way phone call between the school employee, a XXXX representative and myself. At a time when I became able to make payment, XX/XX/XXXX, I made arrangements to pay an agreed upon monthly sum towards my balance with XXXX. As of today 's date, XX/XX/XXXX, my balance from XXXX  is listed as {$850.00}. XXXX XXXX. called my personal cellphone several months ago and stated that they had acquired my debt and I currently owed a balance of over {$5000.00}. I asked for more information and they were either unable or unwilling to provide me with the name of the company they had bought my debt from and they had no access to any of the previous payments I had made with XXXX. The representative from XXXX XXXX threatened me with imminent legal action unless I made immediate payment. They offered to take a substantially lower payment, on the spot, to wipe out my debt and I declined. Again, I was told that legal action would be pursued. I then proceeded to contact XXXX and they assured me that they still retained my debt and they had no knowledge of XXXX taking over said debt. They advised me to disregard the payment demand from XXXX and continue paying my loan off with XXXX, as I had been doing. I was content to follow this advice until I checked my credit report today and it showed an open account with XXXX XXXX with a balance of {$5200.00}. I do not believe this to be correct. I receive multiple phone calls on a nearly daily basis from a number I believe to be associated with XXXX XXXX. No voicemail is ever left. I would like the phone calls ceased and the account stricken from my credit report as I believe it to be erroneous. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: hippa and cra violation of my rights XXXX XXXX XXXX XXXX not mine sent police report no knowledge of account police report was sent to XXXX and 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 05/31/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Navient : I was paying the agreed {$250.00} a month ( which was what they said was a garnishing of wages which I agreed to ) and when I checked my auto pay they had pushed it up to around {$380.00}. Along with multiple times kicking me off  of Auto pay.  Which I should not be liable for due to their fault in system.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Trouble during payment process

Complaint: made payment. Ocwen is saying. I was late. payment got to them by XX/XX/2017. 
now they want me to pay a late fee. 
I dont think this 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 explanation