milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2016 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (NY).
Issue: Other

Complaint: BBVA Compass froze my BBVA Compass XXXX XXXX XXXX credit card account in XXXX XXXX and closed it a few weeks later. I had a - {$500.00} ( a negative balance ) on my BBVA Compass XXXX XXXX XXXX credit card account that I tried a few times to request a balance refund check for that amount, but customer service never managed to process the check because they explained to me that my account is now in a special department, and they need to process and approve issuance of the check. I could never contact the mysterious special department and was not issued a balance refund check. So the negative balance was sitting in my account for a while, until XXXX XXXX, XXXX when a mysterious charge posted to my account for the exact amount of {$500.00}, making the balance of my account {$0.00} and essentially seizing all the money that belonged to me. I contacted BBVA Compass several times inquiring about the transaction and nobody could explain to me why a transaction posted to my account in XXXX XXXX, XXXX, and whether and when they are going to send me a balance refund check for the negative {$500.00} I had in my account. I have attached a statement for XXXX XXXX, XXXX XXXX, XXXX period which shows there was a negative {$500.00} balance on my account ( meaning the bank owing me that amount ). I have also attached summary of details of transaction that posted to my account in XXXX XXXX, XXXX seizing the negative balance from my account. 
I demand BBVA Compass to send me balance refund check for {$500.00} which is the amount they owe me because of the negative balance on my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I re-financed my loan last year. I was told my my loan rep, XXXX ( XXXX ) XXXX ( NMLS # XXXX ) at JP Morgan Chase that if I took any cash out for the re-fi I would be subject to a higher interest rate. So we did n't. He also told me the closing costs could be rolled into our loan so there would be no out of pocket for re-financing.
We agreed.
We are trying to get a HELOC ( Home Equity Line of Credit ) now, a year later, because our AC Units went out ... and maybe we want to upgrade our home using the equity.
Today, XXXX/XXXX/17, I am being told by Chase that the State of Texas does NOT allow Line Of Credits if you took cash from your equity when re-financing your home. I thought to myself, NO PROBLEM ... I never took cash out, so we 're good!
Low and behold ... The State of Texas considers your closing costs ( added to the loan ) as taking " cash out of your home equity ''!!!??? Chase NEVER told me this.
I called XXXX XXXX and asked him about this. His response simply was " I did n't know about that at the time, and they never taught us that until recently! '' So now ... he knows, but before.. he did n't.
Do n't get me wrong, ... XXXX was fine/great through the entire loan process, being a loan refi expert and all. But because HE was n't aware of this rule, I was n't made aware of this rule.
And now ... my wife and I are going to be forced to refinance our home at a higher interest rate, lose thousands of dollars with a higher interest rate and closing costs ... or go without AC for the rest of the summer. -Thanks for not being aware of letting us know XXXX !
My question is ... if XXXX XXXX does n't know this simple rule, by the State of Texas ... how can he be allowed to re-finance homes? How can you not let us know if this HUGE reprecusion!?? How?
If I knew about this rule, .. I would have GLADLY paid the closing costs out of pocket. JP Morgan Chase never made me aware of this state rule!
I am very upset, and worried my kids will not be cool enough in this Texas heat ... all because XXXX XXXX " did n't know '' at the time. ( But now he does. ) Unreal ...

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The account was deleted by XXXX And Transunion because is from XXXX And more the 7 years has passed but the creditor reinstalled them with a different balance. But it is the same account .XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Student loan (Non-federal student loan) with ATG Credit, LLC (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XX/XX/XXXX I studied XXXX in XXXX, XXXX via a program through XXXX University while I was attending XXXX College XXXX in XXXX, IL as an XXXX student. I was awarded a certain amount of student loans to make this trip possible, in particular a federal grant ( not a loan ) that amounted between $ 5,500- {$5600.00}. Because I was not attending XXXX College for the XX/XX/XXXX XXXX due to my study XXXX program, these monies were applied to my study XXXX trip. I was later toldby the financial aid office at XXXX three months before my XX/XX/XXXX completion date that the grant to the amount of {$5500.00} was reapplied to my XX/XX/XXXX XXXX semester without knowledge. I never signed or made any written or verbal agreement with XXXX College, nor did my parents, to reapply funds from my study XXXX program to my XXXX program. XXXX College then attempted to tell me because they reapplied those funds without my knowledge or permission that I was now responsible in paying them back {$5500.00} because of adecision the financial aid office made without my knowledge or permission or that of my parents. I will not be held financially responsible for the poor decision making by XXXX College XXXX 's financial aid office. The financial aid office waited to inform me of this debt before I was set to complete my degree in order to impede me from receiving my diploma in an attempt to force me to pay more monies than I owed and force me into taking another semester of courses as they would not transfer my credits from my study XXXX program because of the debt they claimed I owed. 
I want confirmation in writing that XXXX College XXXX is responsible for the {$5800.00} debt and that it will be removed from my credit report and that I will not be held responsible for paying back any portion of this debt I did not incur.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: CBNA Inquiry : XXXX XXXX, 2016 I never authorized nor was I interested in obtaining credit with any company associated with this creditor ( Citibank ). I called the company over 2 months ago and was assured this inquiry would be removed because my information did not match their records but this hard pull has not been removed yet. I waited enough time for this issue to be resolved already. Your assistance will be greatly appreciated. Thank you

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 09-11-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had my transmission go out on my car and could n't afford to get it fixed so i cancelled my insurance since the vehicle was XXXX XXXX able. The insurance company did n't record me cancelling my services on the phone call or refused to correct their mistake and are attempting to collect a debt that never should have been a debt to begin with by selling the debt to a collection company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MI).
Issue: Other transaction issues

Complaint: After being a member of PayPal for 6+ years at least, my account has been permanently limited for no apparent reason at all. I 've called and spoken with XXXX different employees of PayPal and I 'm only told that they 've made an executive decision to close my account because the rick is greater than the reward. I 've never done any illegal or fraudulent transactions and have had XXXX or XXXX disputes per year. They are holding my funds for 6 months and claim they are doing so to cover any charge-backs ( which I 've never had not once ).

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 08/17/2016 about Bank account or service (Other bank product/service) with Comerica (LA).
Issue: Using a debit or ATM card

Complaint: Money 's was taken from my Direct Express account XX/XX/XXXX without my authorization. I immediately made phone contact with Direct Express via Cell phone and reported the incident. Paperwork was sent via Post which I filled out and returned via the USPS. I shortly received a letter advising that my claim had been denied and case closed due to Direct Express stating that they did not receive the requested information from me. I again sent the forms on XXXX XXXX 2016 via USPS Tracking # XXXX XXXX XXXX XXXX XXXX. I received receipt conformation delivery of XXXX XXXX 2016 by XXXX XXXX. XXXX. Upon receiving the denial I spoke with Direct Express via phone in ref. to Direct Express resending the forms to me, @ which time I was advised by Direct Express that my claim would be reopen when the before mentioned forms were received by Direct Express. I made phone contact with Direct Express on XXXX XXXX 2016 and spoke with XXXX @ XXXX hrs and was transfered by XXXX and spoke with XXXX @ XXXX hrs. At that time XXXX advised me that there was no info available on the status of my claim reopened/not reopened, and who was assigned to investigate. I was also advised by XXXX that there was no time limit on how long it would take to complete (? Why was my case closed without all info received if time is not a factor? ). At that time I made a verbal request to XXXX that the current status of my claim be sent to me in writing. As of this date XXXX XXXX. I have not received my request. I am currently behind on my financial obligations, I am a XXXX Veteran and live on a fixed income. I feel as if I am being victimized all over again. I do not plan to continue with Direct Express because I no longer trust them. I went with Direct Express because the Federal Government recommend them.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (VT).
Issue: Deposits and withdrawals

Complaint: I deposited a Foreign Bank Check on XX/XX/2017 at my local TD Bank Branch. 
I received a 'Credit Advice ' communication, dated XX/XX/2017 from TD Bank acknowledging that funds were received from the foreign bank and that the funds were credited to my account on XX/XX/2017. 
The exchange rate ( XXXX to USD@XXXX ) used by TD Bank on XX/XX/2017 was significantly lower than market rates. 
On XX/XX/2017 the funds were still not in my account. 
I called XXXX and talked to customer service agent who transferred me to another department where I was on hold for 15 mins plus before I hung up. 
I then went down to my local branch to ask about the missing deposit. They are looking into it and will get back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX REF : XXXX Date:XX/XX/2016 To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following HARD credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These were No firm Offers of Credit Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity. 
Sincerely, XXXX 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 10-04-2016 about Debt collection (Medical) with Continental Credit Control (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Good afternoon, Continental Credit is currently reporting the collection of an account that I have no knowledge of. I have called and provided all of my personal information in an effort to understand why/how I 'm responsible to no avail. I am currently going through law enforcement background check and fear that this collection error will smear my character. I kindly ask that this matter is quickly addressed. 

thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Fear Consumer Financial Protection Bureau, I live in Florida, and due to the XXXX disaster I applied to FEMA help. There i was told to call my mortgage company ( OCWEN ) to request few months forbearance at not cost added to the end back of the loan, since this is a Federal Law. I called Ocwen on XXXX XXXX 2017 and asked, they told me that they could give me 3 months without payments and then start paying those 3 months in the amount of {$5700.00} divided by 6 in the following six months plus my regular payments. I asked them why they where charging me {$5700.00} for 3 months if my regular payments are {$1300.00} and this multiply by 3 will be XXXX. They said that was the offer. So I escalate this issue to different managers and after 2 days of fight they said it was a mistake. 

Now I called on XXXX XXXX, I kept asking for 3 months added to the back of the loan ( the minimum the law says, I understand it could be up to 12 months ) and they said they do not have that offer. I told them this is a Federal law, finally they said that they are not saying they will not follow the law but that this option is not available now is under discussion ... 

I appreciate your help because i have been trying my best to deal with them, but instead of helping they are trying to take advantage. I just need some time to get back on my feed, considering i also have to pay my house taxes. 

I appreciate your help in advance. 

XXXX XXXX OCWEN Loan Servicing, LLC Account Number XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX agents ID : XXXX XXXX / XXXX XXXX / among others My email address is : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Mortgage (FHA mortgage) with PLANET HOME LENDING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Planet Home Lending Loan # XXXX XXXX for lower payments on XXXX XXXX closed sign loan docs for {$1500.00} payments. 
Had existing XXXX XXXX - XXXX XXXX per year {$3100.00}. 
On XXXX XXXX Planet Home Lending increases payments to {$2200.00}. 
Filed complaint with CFPB. resulted in lowering payments to {$1900.00} XXXX XXXX. 
Planet Home Lending has sent numeous Delinquency notices that I am delinquent for {$3800.00} XXXX XXXX and XXXX XXXX. 
My recorded payments have been for XXXX {$1500.00} XXXX {$1500.00} XXXX {$1900.00} XXXX XXXX requested for XXXX or open balances called in - they said a Customer Service Manager will call me. 
XXXX XXXX requested for XXXX or open balances called in - they said a Customer Service Manager will call me again. 
XXXX XXXX requested for XXXX or open balances called in - they said a Customer Service Manager will call me again XXXX XXXX spoke with XXXX - she stated again that a Customer Service Manager will call me again his name is XXXX ... he gets in at XXXX Eastern Time. 
They have not sent an allocation of cost or diff in payments owed ... only delinquency payments.

Company response to consumer: Closed
Consumer complaint received 02-05-2016 about Credit card () with BARCLAYS BANK DELAWARE (ME).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I discovered a recurring charge on my Barclays ' VISA card, issued by LLBean. It was a service I was not using, and I spoke to a Barclays rep who told me I needed to change my account number. After following this advice, the charge still appeared on my next statement. I called Barclays and was told that when a person orders something online, checks the box agreeing to " terms and conditions '', and charges it to their VISA card, the business is connected to that specific account, NOT the account number! So changing my account number did not matter ; I was still being charged. She kindly offered to stay on the " line '' with me while I cancelled that subscription, which I did. On reflection, however, I was concerned about the ability of Barclays to have that kind of control over my account, i.e., my " money ''. Why should any company be tied to my account, especially since I XXXX told that every time I changed my account number, then I need to give that new number to all the accounts that I have automatically charge my card each month, such as XXXX. It did not make sense that online companies should have that kind of " special '' treatment over my local companies with which I do business all the time. In the meantime, I had " googled '' the recurring address of the initial subscription I had ordered as it appeared on my credit card statement. I was shocked to see the words " Fraud '' and " Scam '' in the addresses that came up from " googling '' the company, which happened to be " XXXX XXXX ''. That is what prompted me to contact LLBean and let them know that ( in my opinion ) Barclays was " aiding and abetting '' that fraud by allowing companies to tie directly to my account, rather than just to my account number! For myself, I am done with that company since Barclays had helped me contact XXXX and cancel my subscription. However, I was concerned that others may not realize and be likewise charged each month, not aware that Barclays policy allowed a " tie-in '' to one 's account, as opposed to one 's credit card number. Plus, it could reflect badly on LLBean 's good name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I am a victim of their Inquiry issue : I have not given permission or consent for any of these inquirys XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 03-01-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX was offered a loan modification with a down payment of {$9300.00} from XXXX with a down payment. XXXX sent XXXX the check they cashed it and they never gave her the loan modification. Then she was transferred to another servicer and it has been an on going process of trying to get her loan modified as well as trying to find out what happened to the {$9300.00} and why did XXXX take her money and would not talk to her after they received her money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am a single mother raising XXXX XXXX. I have been targeted by lender and I feel this is based on my culture. I know that my counterparts many paid for school out of pocket. As a minority we are are the last hired at the lowest pay scales. I can accept that there is not much I can do about this type of discrimination. Now lender discrimination is a legal matter that should be addressed. I have on credit report 41 different accounts reporting of student loans. Each of these account have changed hands several time without any notice to me as the consumer. All accounts are showing negative payment history. Each lender has baited and switched these accounts for leveraging against me as single parent. I have received correspondence from the bureaus stating that they have removed an account or updated an account. When I look closer I see that they are still circumventing the rules. They are actually responding without even looking at the actual dispute because if I address 41 negative student loans account and the bureaus address one out of 41, they are still omitting the fact. As long as lenders are doing this XXXX XXXX and I have no future because we  can not pay in full student loan debt. I am trying to get better rate but these lenders have my family captured by using this process.

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 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My name is XXXX XXXX. I disputing my students loans. XXXX XXXX has been sending missed payment with reports to my credit for the past couple years. This is frustrating because I am currently in school. My contract them is i 'm not obligated to pay until 6 months after graduation. I contact them and they stated that sometimes it 's paper work error between school and Fedloan services. They keep telling me it 's an error but I am still seeing missed payments on my credit report. How to I get those removed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation