milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have uncovered deceitful and unfair practice of how bank of america is assessing overdraft fees. As of XX/XX/2018 my actual bank balance ( posted transactions ) was + {$89.00} ( in the black ). However, there were 4 pending transactions totaling {$120.00}. After accounting for the pending transactions, my " available balance '' was negative {$31.00} As a result, and based on my " available balance '', which factored in the 4 pending transactions, I was hit with two {$35.00} overdraft fees on XX/XX/2018. 

On XX/XX/XXXX, I could finally see all of the activity from XX/XX/XXXX ( this is not visible through online banking features until the next business day ). So I called to ask Bank of America how much money I needed to put into my account in order to ensure I did not incur any additional fees since the same 4 transactions that were pending on XX/XX/XXXX were still pending on XX/XX/XXXX and no new transactions had taken place. I was advised that one of the 4 transactions ( a {$29.00} annual auto renew subscription from XXXX ) would result in a {$35.00} overdraft fee. 

It is unfair, deceitful, and possibly illegal for Bank of America to factor in all pending transactions when determining the " available balance '' that is used as the basis for determining which posted transactions trigger an overdraft fee. It is fraudulent to then charge a customer an overdraft fee on the pending transactions when they finally do post since they were already factored into the historical balance used to determine overdraft fees. If pending transactions were excluded from the overdraft assessment, then I would not have incurred any overdraft fees on XX/XX/XXXX, but they were. Bank of America can then not treat them as newly incurred overdraft incurring transactions when they do post. 

I remember the days when banks would manipulate the order in which same day transactions posted to an account in order to maximize the overdraft fees they could charge ( regardless of the timing of when those transactions actually occurred during that day at the retail terminals ). This practice is now illegal. 

I have uncovered a new way in which Bank of America is manipulating the way in which they double count pending transactions against a customer to incur overdraft fees. They are manipulating pending transactions ( both while pending and again on the very same transactions when they post ) in calculating the balance used to assess overdraft fees. 

This is fraud, deceit, unfair and possibly illegal.

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 08/26/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a shortage in my escrow almost every year since I opened my loan in 2009. My taxes nor insurance have increased in these years. In fact they decreased. I applied for a modificiation in the beginning part of this year. At the time I applied my mortgage was current. I have not missed any payments. My Escrow is currently short {$700.00} as well as {$720.00} of my payments were applied to fees. I should n't have any fees because my account was current and still is current. A representative told me that there was no money applied to my escrow XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This needs to be corrected as well as investigated because I should n't have a shortage in my escrow every year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Debt collection (I do not know) with Penn Credit Corporation (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am getting telephone messages about " personal business '' from XXXX for a month. Calls come twice a day. They are robocalls. I am not aware about any debt that I own as I pay all my bills on-time and never received any paperwork from missed payments from anyone. I called the number back on XX/XX/XXXX and was told that my number is not registered in their database. However, the calls are continuing to come. Even today, Sunday, XX/XX/XXXX, I received 2 calls. When I called back, the message is that the business is closed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I made a mortgage payment online and my mortgage bank changed the amount of the payment. I called them, they called me a liar. They said I changed the amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Problems caused by my funds being low

Complaint: My account has been hit with a negative balance fee on top of overdraft fees. None of my personal banking reps could explain to me or understand what this fee is. Once I called the phone reps explained it as a fee given when deposited funds are not available and are able to be used. This is not my case however. My account has been charged with a negative balance service charge which then puts my account in the negative .I am charged an overdraft fee and then I am charged again for a negative balance fee for the same occurrence. I have been double charged for the same overrdraft caused by this " negative balance fee " and then the cycle happens the very next month for having a negative balance. Ive been charged nearly XXXX $ in the last two months alone. This seems very unfair and I feel taken advantage of especially since my personal banking reps had no clue what a negative balance fee was there for how could I as a customer. I am a seasonal small business this is my XXXX year going into business and I feel Fifth Third Bank is taking advantage of me. If this is not resolved I am shutting down my account immediately and taking my complaint to the highest level possible. I will spread the word that Fifth Third is not a bank for small businesses that often struggle with making ends meet only to be gouged with high fees.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus continues to mail letters stating I am responsible for a debt discharged in Bankruptcy Court 3 years ago. I filed a complaint in XXXX XXXX and the company agreed not to contact me however they continue to do so. 
Further Seterus admits in the enclosed documents that they are sharing my private financial information with their affiliates. They also sent me paperwork via XXXX overnight stating that I need to fill out mortgage loan modification forms. 
I have documentation going back to XXXX from Seterus trying to reaffirm this loan, which is in violation of the Federal Bankruptcy Court ruling in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: inquiries were removed and added back without proper notification and it 's against FCRA.

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 12/21/2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was forced into a payment arrangement wit pressler & pressler. Upon moving out of state they stopped sending my receipts of payment or a balance of my bill. When I called them they told me they could n't call or mail me my statements anymore and " by the way you missed XXXX payments 4yrs ago ''. I asked for copies of my statement with my balance from that point forward but was denied. I felt I was not being treated legally and wanted my statement before I mad another payment. They told me they would ask and mail me a response. I never got one. They are now trying garnish my wages for 9xs what I was paying before. They once again said they would ask for permission to send me my statement but in the mean time they would only reduce my payment to 5xs what i was paying before. I 'm 17hrs away and cant get to court to defend myself. What do I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicing company, Select Portfolio Servicing, received my payment on XXXX XXXX, 2016 electronically from my bank. Funds were applied to my conventional mortgage on XXXX XXXX, 2016 XXXX day after electronic receipt, although they were applied incorrectly. The payment submitted was {$28000.00}, of which {$3200.00} was for the regular payment and the remainder for principal reduction ; for this it was noted as " other payment '' on their web site, the only option available. The payment applied was {$3200.00} for the scheduled payment and {$5000.00} in principal reduction ; the remaining {$20000.00} was noted in the payment since it was a single electronic payment but the amount does not show in the accounting of the mortgage. In particular, the mortgage principal shows a reduction of {$5000.00} only. Several calls have been made, with the most recent saying it will take XXXX5 business days to apply this ; unfortunately, this is contrary to Federal law requiring payments be applied on the day received. Their mishandling has incurred extra interest charges since the principal was not reduced. Additionally, they changed the next payment date, apparently with a policy to pay up to two months ahead with extra payments instead of applying to principal ; this was not provided in any documents or truth in lending, and results in the customer paying higher interest for the loan which is disturbing when Select Portfolio Servicing , Inc. already maintains an escrow account with has more than a months payment in it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Credit card) with Blackrock Mitigation Group LLC (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: At approximately XXXX on XXXX XXXX i received a phone call from # XXXX. They asked for my son and I explained that he was not here. they said since I was his mother they could talk to me but I had to call a different number. The second number is XXXX. The woman on the other end XXXX told me that my son was going to be served papers to go to court due to non payment of a card with a department store. I was very nervous about this since my son is XXXX and could never go to court for something like this. I was trying to figure out how to avoid this happening. The woman on the phone told me that the company was BlackRock Mitigation and so while on the phone I used my ipad to check this out and found out it was a scam. I was directed to call FTC immediately which I did and was told to go online and fill out the complaint. they wanted my bank card number and were going to take the money from my account to pay this debt. I ended the call. I then received it again and I was told be ready to go to court. It was not even for me. The call then came through again twice more.

Company response to consumer: Untimely response
Consumer complaint received 02/20/2018 about Mortgage (Conventional home mortgage) with BOK FINANCIAL CORP (NM).
Issue: Trouble during payment process

Complaint: We have been trying since XX/XX/XXXX to cancel our PMI. XXXX XXXX requires the loan to value ratio to be 75 % or less if the loan is between 2 and 5 years old. The original appraisal was for {$280000.00} which meant that we reached 75 % in XX/XX/XXXX. We followed instructions to request a BPO and paid {$150.00} for the appraisal fee. Appraisal was done on XX/XX/XXXX and the suggested list price was {$280000.00}. We were were denied PMI cancellation and the reason given was because the new appraisal was less than the original value at the time of purchase. This requirement is not stated anywhere. The only requirement given is 75 % or less loan to value which we have surpassed. As of XX/XX/XXXX, I was told the value of the house is {$280000.00} and our principle loan balance is {$210000.00}. I was told that our loan to value ratio is 84 % which simple math shows is incorrect and customer representative could not explain where this number came from. Customer service told me this was the information they had and they couldn't help me unless I ordered another appraisal or paid {$22000.00} towards our principle.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Residential Credit Solutions, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I am filing a complaint against Residential Credit Solutions , Inc. ( RCS ) for three actions related to my loan. First and foremost RCS withheld {$630.00} of my money that I had paid into my escrow account when they transferred my loan to a new servicing company ( XXXX XXXX XXXX XXXX XXXX, hereafter XXXX ). Second, after RCS sent me a transfer letter and XXXX sent me a statement for my XXXX payment, RCS sent me a XXXX mortgage statement. Thus, I am being billed twice in one month by XXXX companies for the same mortgage. Third, RCS instituted an improper increase in my escrow payment that occurred in XXXX, 2015. I have provided detailed supporting evidence in attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (Reverse mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen has been working with us to perform a loan modification per the HARP program. Recent policy changes has delayed the process. I recently began a loan modification b/c the loan to home value is upside down due to the market crash which means I could not refinance. Also, I have not lived in the home for over 6 years and I need to remove my name to buy my own property. Included, we discussed my separation from my wife which means I no longer live in the home. They began the process by trying to modify the loan and removing my name from the loan so I can move on and buy a home on my own. I was told that it was possible and I would need to submit a certain list of paperwork. Since the beginning, the list changed. The last change required a quit claim deed to remove me from the deed and then loan. After going through the difficult process of getting my ex-wife to agree to start the paperwork and the grueling time and effort it took to get the claim through the county clerk, I was told that the policy changed and they can no longer assist me with out submitting another document which includes a finalized divorce decree. Per the manager, this may not guarantee anything. Their only concern has always been to get our payments up to date. I feel like I have been given the run around, no concern for my needs and a total disregard to the government program that is in place to help people in my situation. Corresponding with the representatives is difficult if you are not used to the language barriers. You can never reach or get a response by the same representative. Policies change which prevent progress on actions being taken. Documents needed always change or the list is always incomplete. Takes weeks/months to accomplish anything and by that time, a policy changes that conveniently keeps actions/requests from being completed as desired by the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Promotional Payments are not being allocated accurately. I have to call Customer Service to pay the outstanding balance first or allocate a payment to the correct promotional balance. The customer service representative indicated this is an ongoing issue that has no solution.

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 11-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit bureau 's failure to provide me with information to prove that this is my account they have stated that they will no longer investigate my claims. I am requesting proof or remove the in accurate information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I initiated a balance transfer to send XXXX from my Barclay credit card to my XXXX XXXX XXXX equity line of credit on XXXX. It is now XXXX and I still have not received the balance transfer and every time I call they say they will investigate and refuse to send any proof that the balance transfer was processed. XXXX XXXX has asked for proof several times either a transmittal number or a cashed check. Barclay has not sent 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 explanation
Consumer complaint received 06/26/2017 about Checking or savings account (Savings account) with TIAA, FSB (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Contacted EverBank several times including the office of their CEO   XXXX   XXXX   XXXX  and was given the run around.   EverBank did not address the false & misleading advertising or shortage of interest I had received. Please see my complaint letter & attachments.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried numerous times to get this fraudulent inquiry off my XXXX  report and this company Barcklays bank has been unresponsive

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 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Google Compare Credit Cards Inc. (MD).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX is reporting incorrect information about my business. It keeps saying it will send me a postcard to verify me but wont and I never receive it - it is sending my customers to the wrong address and I am seeking action now against them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I currently have a loan with Navient. They bought my loan from   XXXX   XXXX   and never gave me a payment option to repay the loan other than an interest only loan that I have been paying for several years. I have had this loan for 17 years and still owe more than the original loan amount. They just recently let me know ( after I pressured them for more detailed information ) that I could have been paying a little over {$100.00} per month more and I would have been in a program that was paying down interest. I feel that this company did not review all their loan programs with me, to keep me in their interest only loan to increase profit on my loan.
Please review phone call that I had with representatives as they have stated they are recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Payment was made over the phone But for some reason reported it as a late payment

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THE THREE CREDIT BUREAU ADVISED ME TO GET A POLICE REPORT DO TO FRAUDULENT INFORMATION ON MY CREDIT FILES, I DID THAT AND SENT IT OVER THE EACH COMPANY XXXX FRAUDULENT ACCOUNTS ( 2 XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX FEDERAL COURT 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