milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (GA).
Issue: Problems caused by my funds being low

Complaint: I no longer use my M & T account. I accidentally selected it to pay a bill online and it became overdrawn. M & T did not notify me via email, despite the fact that that has been their standard practice for fraud notifications and updated statement notifications. They deliberately chose not to use that standard form of communication to collect excessive overdraft fees. The bill was due XXXX/XXXX/15 the last time I had checked on the M & T account had been XXXX, and they are showing the bill in question coming out of the account on the XXXX, which is not correct or was outside business hours. I only found out about the overdraft because I could not see where the bill came out of my main bank account on the XXXX. I immediately scheduled a transfer of funds from my main bank account and called M & T they told me that since I was a good customer they would waive the overdraft fees. Despite this conversation which occurred on the XXXX, I was hit with a 5 day extended overdraft fee. I believe that M & T 's deliberate choice to not contact me via email when the overdraft occurred as well as charging me a 5 day overdraft the same day they told me they would waive the overdraft fees amounts to a UDAAP violation for deceptive practices. I would like the 5 day overdraft fee to be waived and for this account to be closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit card () with U.S. BANCORP (IL).
Issue: Credit card protection / Debt protection

Complaint: There was no validation sent. Was served to come to court with out a right to dispute debt. There was mail forwarding from previous address and nothing was ever forward. Requested validation of the debt and it was not provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Deposits and withdrawals

Complaint: I was called by a USAA Bank XXXX, during the discussion the lady made the statement that we checked the taping of my phone discussion, I was surprised, I was not told that they were taping me, I feel my constitutional rights have been violated, plus is there not a federal law against WIRE TAPS with out a judges approval???? + also not informing me that I 'm being TAPED???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Bank account or service (Checking account) with BB&T CORPORATION (KY).
Issue: Making/receiving payments, sending money

Complaint: I made a payment of {$800.00} on XXXX/XXXX/15. The bank processed this transaction, and it was officially pending on my account. On XXXX/XXXX/15, the transaction for XXXX/XXXX/015 has completely disappeared from my online statement. I call BB & T to see what happened to the payment and the representative informed me that the transaction had been cancelled by the debtor and she proceeded to tell me that this transaction would not be posting to my account because it had been cancelled. I had some other bills due since this transaction had been cancelled I thought I would put this payment off XXXX. I went ahead and paid XXXX other bills and was not concerned about being overdrafted since it was evident that transaction for {$800.00} had not been processed and had been cancelled according to the BB & T representative. On XXXX/XXXX/15 the transaction of {$800.00} had been posted to my account even though I had not been told that there was no way this transaction could post. Now I have XXXX other ACH items out at the moment and once they post my account will completely overdraft. I called a BBT representative again to only be told that there is nothing that they can do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently viewed my credit report and noticed that this company has report that I owe them a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I accidently sent XXXX to a closed account at TD Bank. I immediately tried to reverse and was told by TD Bank my account I sent from would be credited by TD. This happened XXXX XXXX, 2016 and I am still awaiting a positive response from TD. I have provided the tracking number to them from my " send '' account with no reolution bt TD. I am at a loss

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Application, originator, mortgage broker

Complaint: Bank of america started an application for my home refinance. At the time of application my FICO was XXXX. They told me that XXXX of the delinquencies of a small $ amount due to miscommunication with XXXX of my lenders while as I was out of country was told to me as a non issue as long as I could provide a letter explaining the delinquency. In the process of lending, after the appraisal was done, the originator of from Bank of America suddenly asked the letter to be sent by the lender who had this delinquency. They changed requirements in between. More importantly appraisal showed significant equity in the house and my FICO is good. Originator from Bank of America abruptly stopped the deal. This led to waste of my appraisal cost. Also, I think this is a case of discrimination given after he received information on my race and nationality, they decided to flip on original decision. Would like to formally complaint and would like to seek damages in the amount of at least $ XXXX ( net present value of money I would have saved by refinancing at lower rate ) and appraisal cost of {$500.00}. 

Thanks! 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never recieved a right to dispute and the debt is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (GA).
Issue: Late fee

Complaint: I am wanting to report an issues with XXXX of my creditors auto payment that will not withdrawal properly from my bank account even after several setups causing me to have to constantly log in and pay manually and I finally figured out that the issue was not on my end for being reported late and impacting my credit report. After the several attempts before of setting up autopayment and it not paying. I figured I was thinking to myself that I may have forgotten to so I did a manual payment before. I was basically second guessing myself since I was thinking a creditor website should always have this working. This is during the beginning year when starting to use this creditor. Then I just started to just continue to log in and pay manually until around XXXX and XXXX I decided to set the autopayment again. Not thinking I didnt log back in because of my busy schedule to the site to check and thought it would go through this time. After later on finding out that I got a negative report that I was 30 days late. I decided to try one last time and setup autopayment after I got that. Then I logged back into their site and found out I was late yet again and no auto payment from my bank account yet again, fortunately I logged in again and did a manual payment before the 30 day mark. This creditors system is not functioning properly to do any autopayments for me. I am requesting for them to remove my 30 day late negative report for their haste of system issues. The third time setting up autopayment and not working is a charm to finally wake me up and understand that their website is not fully doing any proper auto payments. Do you know what are my options on getting this resolved to have the negative report removed. Do I need to submit a claim to a court to have them get this removed? Did they violate any laws for this? This is certainly not my fault for having a negative report if you relying on the creditor website system to do what it should be doing. If you look at my credit report. I have never had a late payment ever. After moving to this creditor and using their website system to make on time payments. It has ruined a bit of my credit. I have had on-time payments since I was XXXX and now XXXX. This is the first time every running into a creditor that system does not work the way it should or I would like. I relay on these autopayments to work so that I do n't have to login everytime to pay due to busy schedules. With my XXXX child its already hard to get some free time to spend for these things. The creditor I am mentioning about is the following below : FNB OMAHA XXXX, NE-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (I do not know) with Centric Asset Management Inc (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Centric Assest Management called and said I owed a debt of XXXX from 2011 which they said I signed ion the Internet they will not provide proof and they said with interest now I owe {$1800.00} and I need to pay it immediately or they will take legal action against me. I never signed for a XXXX loan on the Internet and I never received anything in my bank account and do not owe this!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Student loan (Non-federal student loan) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had a student loan with XXXX that was sold to AES. Which is when my problems started. I was paying them consistently for a few years then around fall of 2015 I changed something with my bank and forget to set up the payments again. I started getting notifications in the mail and called to request a Forbearance on XXXX XXXX, 2015. The lady on the phone read me a bunch of information and said that I must agree to them then said I was approved for the forbearance. Then in early XXXX I started receiving more phone calls from AES. Today, XXXX XXXX I called AES to see why they are still harassing me. I spoke to XXXX in the Graduate and Professional Services within AES. XXXX said that my forbearance request was never approved or denied and that the person on the phone told me they would be sending me some forms to fill out and sign and that once it was sent out I would have 30 days to return it and then they would tell me if I was approved. I WAS NEVER TOLD ABOUT THIS LETTER TO BE SIGNED AND FILLED OUT AND I WAS TOLD ON XXXX XXXX THAT I WAS APPROVED FOR THE FORBEARANCE. XXXX said they mailed me the forms on XXXX XXXX. On the XXXX of XXXX I was told by XXXX I was 30 days past due on my payments. They have already reported the 30 days past due on my credit report. He would not tell me when they did this. So they basically did n't give me time to even return the forms in 30 days ( the forms that they never told me about in the first place ) before they reported this to the credit bureaus. I did what I was supposed to do and it seems like unless I paid in full they had every intention to ruin my credit. By ruining my credit this prevents me from getting a student loan for my next semester of law school. I also have to maintain good credit to keep my job. This negative report can ruin my life. I 've been paying for years and after 30 days of being late they just put this on my credit and I called before 30 days were up. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XXXX XXXX, XXXX I applied for XXXX XXXX credit card. XXXX XXXX sent me a paper with my interest rate based on my credit score. It used TransUnion credit score of XXXX in FICO Credit Score range. XXXX XXXX explained that it is a good credit score ( not excellent ) and therefore I will get a middle interest rate ( 18.99 % rather than 13.99 % ). I have been monitoring my credit score with Transunion and it was 807 ( on XX/XX/XXXX ) using XXXX XXXX which corresponds to an excellent score. I also have an excellent credit score from other two major credit bureaus.On XX/XX/XXXX I signed up with transunion credit monitoring plan to check my actual score on XX/XX/XXXX using historical data but was unable to find it. On XX/XX/XXXX I contacted Transunion through phone ( no other options are available ). I was told that they only have access to my today 's credit score and they can not give me any information about capital one inquiry. To summarize I want request Transunion to release my credit score ( that was reported to XXXX XXXX on XX/XX/XXXX ) to me. In case if there is mistake occurred in my score i want Transunion to report my updated score to the XXXX 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 01/18/2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Application, originator, mortgage broker

Complaint: XX/XX/XXXX, I applied for a loan modification, just wanted to reduce interest only with XXXX. I was lured to miss a few payments in order to qualify for MOD by XXXX representative ( XXXX ) Unfortunately, I was wrongfully denies for MOD.XX/XX/XXXX. Then I had litigation with XXXX and other defendants. My loan was lost ( broken chain of title ), presumably at XXXX XXXX. Even, I presented all evidences at XXXX County Superior court, the judge XXXX XXXX refused to accept the facts. I think he should move in to live with the bank because he made his ruling so much favor to the bank. XXXX! I am woundering why should the court system even exists from the first place. Then, I already submitted my loan modification again ( I have to starte all over again ) through XXXX XXXX XXXX on XX/XX/XXXX. Now, Nationstar Mortgage , LLC served me a " Trustee sale '' dated XX/XX/XXXX again. This is another violation of XXXX. I would like to let the world know my XXXX suffering and enduring for a very long time.Thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (OR).
Issue: Loan servicing, payments, escrow account

Complaint: The complaints I have been having Wells Fargo get me the answers to are all coming in the mail and there are so many discrepancies as to what I have. What I have was all sent to me many years ago and I kept all of it. 
My computers, tablet and phones have all been hacked and there are many reasons Wells Fargo does n't want me to be able to upload any more documents that prove they have been causing a housing shortage, until the FED does a hike in interest rates and then they are going to kick the remaining people out of their homes without doing anything to help them. 
I see what they have done to my brother and now it has affected me personally. Due to their need to get these zombie homes back into the mainstream and sell them yet again, they need to stop me from providing further damaging information on them. 
PLEASE make sure all information you have is correct as I am also willing to provide the information that they were allowed to use false information. 
I will be following up with hard copies that I printed in advance as I thought something like this would happen. 
The foreclosure victims should be able to get at least fair market value for their houses if they are forced to sell.

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 07/29/2016 about Debt collection (Credit card) with Allen & Withrow (AR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: See also Complaint XXXX, against XXXX XXXX XXXX. This complaint is against law firm representing them. 
Currently engaged as Pro Se Defendant in lawsuit w/ XXXX , XXXX XXXX District Court , XXXX , Arkansas division Case No XXXX. See attached items. 
Plaintiff 's counsel is in clear violation of XXXX of Consent Order XXXX-CFPB, which is specifically applicable to Respondent 's attorneys and representatives. 
Bill of Sale presented by Plaintiff, via their counsel, as evidence in this matter contains no reference to the Defendant, any personal information pertaining to the Defendant, nor the alleged account number or particular Debt being collected on, at issue in this action, nor is there " exhibit attached to each bill of sale or other document transferring ownership of the Debt that is represented or warranted by a Seller to be a list all Debts acquired in that Portfolio. '' There is only a separate XXXX column printout page which does not meet the requirements of Order, and has no notation, header, footer or other identifying characteristic back to bill of sale.Although I requested adequate proof of ownership in Discovery via Request for Production of Documents, Plaintiff 's counsel objected to request as irrelevant. 
Also, Plaintiff 's counsel is in violation of XXXX of Consent Order, there is no direct reference in the original Complaint Affidavit nor Trial Affidavits as to the definitions of what or which documents the Affidavits to be " personally acquainted with the facts stated herein. '' Trial is iset for XXXX. Plaintiff 's Counsel 's XXXX responses indicate no further documentation to be provided nor witnesses to be called, depriving me of opportunity to cross-examine affiants, No affidavits filed from alleged original creditor. 
This indicates a continued effort to litigate and collect on a debt which can not be properly proven, and a lack of appropriate documentation which, per Consent Order, must be in hand before filing suit.

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 07/13/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: i was going to this private school called XXXX ( XXXX ) for XXXX program. while i was doing my XXXX the school was shutdown by the government. however the place i was doing the externship kicked me out because is shutdown. we supose to finish XXXX hours at XXXX to finish the school. I was almost there but somehow i was really disapointed when the school shutdown. So the weirds thing is this company that fasfa connected who paid my loan still asking me about the loan and keep adding some interest. i would like to get help for this because i didnt finish the school and i paid some of money and also i wasted my times. so i would like to get some help about this. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problems when you are unable to pay

Complaint: Capital One mailed me an acceleration letter stating that I fail to pay my note. I pay XXXX every month on the XXXX of every month because that is all I can afford to pay since my company check out checks. I called Capital One on XXXX XXXX explaining the situation and to see if I could get a lower note every month until I was able to pay the full XXXX a month. I explained that I was looking to either refinance my loan for a smaller amount or at least get a little time until my pay raise in XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Bank of America  Charged OFF  my credit card account on  XXXX   XXXX ,  XXXX  after I had negotiated a settlement. Bank of america Continues to Report the account delinquent on my credit repo rts 7 +  Years after I settled this account for less than full balance.Bank of America Refuses to discuss this account and referred me to  XXXX   XXXX . After Contacting  XXXX   XXXX  I was advised that they had referred this account to an attorney in  XXXX   XXXX   (  6 years and 11 months after the initial charge off ). The Attorney returned the account to  XXXX   XXXX  and  XXXX   XXXX  has No knowledge of the status but they will reassign the account to someone else in the n ext 5  to 10 days. Bank of America Continues to provide the Credit Bureaus with Incorrect information 7 Years after the account had been charged off. The latest Incorrect report was  XXXX   XXXX  We attempted to resolve this account years ago but B of A was Not interested.     The Original dispute Involved B of A Raising the % rate to 18 % from the original 6 % rate and advising me that if I did not like the rate, I could pay off the account and go away

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