milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2015 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: On XXXX, I had a beginning balance of {$18.00}. There were XXXX debits of {$15.00} and {$65.00} and a deposit of {$120.00} processed that day. The bank processed the debits before the deposit and charged me a {$38.00} overdraft fee on XXXX. When I called customer service on XXXX, the phone rep told me that it is the bank 's practice to post debits throughout the day no matter what time of the day so if a debit comes in during the day before a deposit comes in that same day, the fee is valid. But he then credited the fee. On XXXX, I had a beginning balance of {$35.00} and a pending transaction of {$10.00}. There was a debit of {$25.00} on XXXX. On XXXX, the bank charged me another {$38.00}. When I called customer service on XXXX, the phone rep told me that it is the bank 's practice to post transactions against the available balance, not the actual posted balance in the account so when the {$25.00} transaction presented, the bank did n't subtract {$25.00} from the balance of {$35.00}, they posted it against the available balance of {$24.00} because of the pending transaction of {$10.00}. I asked for a supervisor who confirmed it is the bank 's practice to post debits before credits on the same day if the debit presents at an hour during the day before the credit presents and that the bank does pay from the available balance even though a pending transaction may never post to the account. I told him that it was n't fair to do that because a customer has no idea what time of day during the day that debit is going to present to the account and a pending transaction may never post. He told me the fee was valid and that 's the way the bank does business.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Payoff process

Complaint: I failed to notice for a few months that my American Express card had raised my interest rate on new purchases. Therefore, I have been making payments in excess of my minimum payment requirements in an attempt to pay off this higher interest balance. However, I have discovered that my the entire portion of my payment up to the minimum amount due is only applied to my lower interest rate balance. And that only the amount of my payment over the minimum amount due is applied to the higher rate balance. Is this disportionate application of my payment legal?

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2015 we made a payment of {$82.00} to XXXX XXXX XXXXOn XXXX XXXX, 2015 the Bank decided to send another payment in account of e-bill which was {$81.00} without our authorization. Neither one of the account owners made such a payment and the money was taken arbitrarily by the Bank, causing impact to our finances. 
When we called in to place a complaint, we were told that we need to wait 10 business day in order to get our money back, which we deem not acceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Private student loan debt) with Radius Global Solutions LLC (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been paying a debt on a student loan I cosigned for eight years ago. I was paying XXXX XXXX, then XXXX, who sold the debt to XXXX XXXX XXXX XXXX. I have been paying every month but the loan does not reduce. I asked on XX/XX/XXXX 2017 for XXXX XXXX XXXX to send me a copy of all payments made, both to XXXX and them. I asked because their website will not navigate you to your loan. I have no idea how much has been paid, etc. I also asked for a copy of the promissory note. When I call I have to leave a message for " XXXX ''. but my calls are never returned. I was told back in XX/XX/XXXX to pay XXXX XXXX and the loan would be forgiven. That 's when I started asking questions and now no one will talk to me. I have asked our bank to stop payment but I have to go through XXXX XXXX XXXX. I feel we have more than paid the loan off and are being strung along. Our attorney suggested reaching out again, but they do not respond. he suggested filing this complaint. I would like answers and paperwork before I go back to our attorney and file charges.

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 05-05-2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Our homeowners insurance was not paid by Carrington from our escrow account, resulting in the cancellation of our policy. We were not made aware of the cancellation until we received a letter today from our insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a call from PennCredit claiming that I owe a debt for tax on a motorcycle that I purchased 10 years ago and that I purchased it under fair market value and so I still owed tax on that fair market value. The first woman who called refused to furnish me with all the pertinent info concerning who the debt was owed to. No full institution name, no account number concerning this alleged debt, not contact info and not even a full explanation. I asked for these things after making them aware that I did not receive any 30 day notice from any organization that I had a debt that would be put in collections, I also verbalized that this debt is definitely some misunderstanding because I bought this motorcycle completely wrecked and I notified the tags/title agency of the explanation as to why it was therefore under fair market value. The woman was rude and uncooperative and threatened that this would be placed on my credit report as a delinquent account. I advised her that the debt was over 7 years old and that she was not allowed to do that ... that in fact the debt is over 10 years old. I told her that I was going to have to file a complaint and possible judgement and she told me that there was no statute of limitations and that my credit report would reflect the delinquent account. I then called back in an hour and spoke to XXXX who was equally as rude, yelled at me and spoke over me while I was trying to obtain information to contact the debtor, I got nowhere with this agency and was threatened the entire time. I do not owe this debt and I had to search long and hard and make many phone calls to finally get a hold of an institution ( PA Dept of Revenue ) and find the right dept. I am currently working to resolve this mistake but PennCredit does not care and will not be reasonable while I work through this ... they continue to threaten.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Debt collection (Federal student loan debt) with Account Control Technology, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This morning my wife received an unknown call from XXXX. She ignored it but then received a call from her brother. Her brother stated that a student debt collection agency had called him and his wife ( my wife 's sister-in-law ) from the same number she had ignored. This happened within a two minute period. They were all trying to get a hold of me and stated that it was an urgent matter and needed to get a hold of me right away. 

I called the number back on my phone. They stated that I had given them all three of their numbers as permission to call them. This is not true at all and a form of harassment. I have no idea how they were able to research and obtain my brother and sister in laws phone numbers. I don't even have my brother and sister in law 's phone number. 

What makes matter worse is that they were trying to get information about me from both my brother and law and sister in law. When they refused to provide information, they kept asking questions about me. 

When I was on the phone with them, they admitted that they already had my phone number and home address. I complained to two people, XXXX XXXX and XXXX stating that from this point on, they could only reach me and to never harass my wife, brother and sister in law in regards to anything about me and my account with 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 non-monetary relief
Consumer complaint received 08/17/2017 about Debt collection (Medical debt) with Alorica Inc. (HI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XXXX XXXX 2017, I received a debt collection letter from Global Receivable Solutions Inc. This amount owed is not mine and the previous collector closed this case and so now this Global company is doing the same. I do not own a XXXX machine. I have been a victim of identity theft. I sent a Debt dispute letter to Global Receivable Solutions requesting they provide proof and validate this is in fact, my debt. I asked them to send me a signed contract agreement, a detailed explanation of how they came about this amount and proof this is mine. This company is fraudulently trying to collect money from me. And so was the previous collector. They keep changing the debt amount and has failed to provide proof it is my debt.

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 02/24/2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CT).
Issue: Managing the loan or lease

Complaint: We bought a range online and were offered an option to use PayPal line of credit. We accepted and they approved for slightly more than the purchase price. 

They then refused to honor the credit line for that same purchase saying it was a new account so we needed to develop a history with them. 

The reps were unhelpful and acknowledged that this happens as " they advertise at point of purchase '' and then decide whether they will let you use the whole credit line. The supervisor, XXXX XXXX in the Maryland office was particularly rude and unhelpful. 

Locking the credit is ridiculous as they extended it specifically to buy this product and have now stuck us with an unwanted line of credit. If we close and get somewhere else it will impact our credit. It is a classic bait and switch to get us to open the credit line and then not let us use it or even appeal to a department in PayPal Security. 

Their reps and supervisors say nothing can be done. No one can take the security block off. They obniously have heard this complaint before. 

This is clearly a scam, funded by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Noticed {$25.00} fee on my XX/XX/XXXX Mortgage Statement from BofA. When I called to inquire, they said, they had done an audit on my account. That fee is from an occurrence XX/XX/XXXX ( over 10 years ago! ) which had never been charged by my prior lender, Countryside Home Loans. Refused to eliminate the fee. Maybe BofA is in desperate need of money?

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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Investment Retrievers, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: These items appear on my credit report. Theses items were   discharged in my bankruptcy years ago. These companies insist on trying to keep their information on my report. They are being spiteful.
ALL ITEMS WERE DISCHARGED I  N Chapter  XXXX  Bankruptcy : INVESTMENT RETRIEVERS IN ( old car loan )  XXXX   XXXX   XXXX  IN  ( Illegal collection. We had military orders to move but they still sent us to collections and harassed us non-stop, called us liars even though we were stationed  XXXX  mil es away )  XXXX   XXXX   XXXX   ( medical bill )  I filed for bankruptcy due to post divorce debt that I could not handle on my own. I did this to restart my financial situation and these collections agency are too vengeful and spiteful to take their garbage off my reports. I do n't care if these do not affect my score, they still show as   XXXX   OPEN collections when they are NOT OPEN and have/show a balance of {$0.00}.     Disputes through the credit agencies have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Experian is not showing any credit history or score for me. I have been denied a mortgage twice in the last 6 months because of the missing information. XXXX and XXXX both show an extensive credit history and scores. I have spoke with my lenders and they are reporting to all XXXX bureaus. I believe this is against my rights as a consumer. Please help me resolve this issue. Sincerely -- XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2015 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with XXXX. On XXXX/XXXX/2015 I requested a pay-off quote for the following day along with wire instructions. I attempted to make the pay-off request over the phone but was informed that it needs to be made by email. The XXXX customer service representative agreed to email me wire instructions ( which arrived the following day, XXXX/XXXX/15 ). Still on XXXX/XXXX/15 I then proceeded to email the pay-off request to the pertinent email address with a pay-off request ( good through ) date of XXXX. 
It is now Friday, XXXX/XXXX/15, XXXX XXXX and I still have not received any pay off information from XXXX. To avoid accruing interest charges ( esp. over the weekend ) I wired pay off funds to XXXX at around XXXX XXXX today. I used the amount of {$81000.00} that was provided via their automated phone system ( XXXX requires wires to be received no later than XXXX XXXX to be considered on-time for that day ; they also caution that the phone system quote may not be used for the actual pay-off ). 
I have had liquid funds waiting for this pay-off since XXXX/XXXX/15. During this excessive waiting period those funds do not earn any interest for me while I am still paying interest charges on my mortgage. I paid off mortgages before ( most recently with XXXX Bank ) and it is usually a same day process from receiving the pay off amount to wiring funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX  and  XXXX   XXXX   2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  texas  XXXX   XXXX  placed an inquiry on my credit report without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 01/19/2016 about Debt collection (Credit card) with Gatestone & Co. International Inc. (WA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Gatestone Collection agency called my friend and my adult daughter and disclosed they were calling to collect a debt from me. They told them to have me contact them at XXXX ext XXXX about my debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been making monthly payments above the minimal payment due since XX/XX/2006, but my balance has barely changed in quite some time. I have recently requested a complete payment history from Navient so I might begin my own investigation, but I am almost certain that my balance should be well below what it is at this time. 
The balance was @ {$22000.00} to start and remains at @ {$19000.00} now, which seems high after 12 years of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Delinquent account

Complaint: XX/XX/XXXX I was waiting results of XXXX hearing, having had XXXX in XX/XX/XXXX and unable to work. My Chase Visa became past-due and was charged off. XX/XX/XXXX I received acceptance to XXXX and made a settlement payment to Chase for {$10000.00} and paid settlement in full XX/XX/XXXX. Chase sent me letters assuring me a paid in full settlement would be reported to the credit bureaus. But for 2 years and numerous disputes I still have CHARGE-OFF and a payment of {$0.00} for status for this account. I am being denied credit due to this account reported inaccurately, not reflecting any payment on this account, only charge-off. Chase keeps assuring me in letters they will report it as paid, but they keep giving credt reporting agencies misleading information as if I had made no settlement payment at all. XXXX just sent me a current dispute result, I requested and the status shows CHARGEOFF and the account code is charge off and payment is {$0.00} XX/XX/XXXX which is not true. I am not able to get a home equity loan due to this erroneous reporting. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (WI).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citibank checking accountpromotion back in XX/XX/2016 for {$400.00} promotional credit if you deposited $ XXXX and kept it in for 30 days and waited another 90 for payout.It has been 91 days aftermeeting all requirementsand no payout yet I have been calling XXXX in XXXX todayand that was about useless. Then I called a local branch guy in Illinoisand told him about the promotion I had and what was going on. I did not even have to give him my account # and he knew what the problems was and what was going on. He proceeded to tell me that hehas dealt with a lot of people over the last few weeks with the same issue as I am having. Apparently Citi is struggling to pay this $ XXXXpromotion out on time and is paying it outabout 3-4 weeks after thedayit was promised.When I signed up for this promotion I made sure to print all the " fine print '' out and I have it sitting right in front of meright now looking at it. Citi did not keep there end of the contract/promotion up.

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 02/18/2018 about Debt collection (Payday loan debt) with NCB MANAGEMENT SERVICES INC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: On Monday, XX/XX/2018 a XXXX XXXX XXXX, call my cell phone as ask for my name and date of birth. I did confirm that i was the XXXX XXXX and knew about this debt. Did try to make arrangements with the XXXX about this issue but the officer notify me that he wasn't from XXXX XXXXXXXX XXXX and they are going to collect this debt and accuse me of opening this account in the false pretenses. Even threat me, that they were going prosecute me and take everything i owned. I at this point told him i am not going to respond to threats and please get off the phone which then told me all the personal stuff including verbally attacking me say if " if you can afford your car payment you will afford payment i offer you. So start paying up now. Which at that point i hung up to phone which he called again.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX AND XXXX XXXX COMMITS FRAUD, he claims i owe something when the original instrument is quite valuable i see they make up excuses to keep this alleged ''bad check '' that they made profits from and keep secrets, if the check was bad so give it back, but rather the contrary i did them a favor and made them a securities instrument they can sell because thats what they do to everybody. 

Unless you can provide a verified complaint which lawfully consists of a sworn statement under penalty of perjury notarized with your wet ink signature also provide me with proof of debt which would be a bill other rather than a statement all this XXXX you're talking about is nothing but presumptions and word semantics and I'm not falling for it because you're guilty and I'm going to prove it furthermore you have not cited the particular federal law you speak about which federal law? Quote me the citation that you highlighted in your little book that you sent to me show me the actual federal law that you speak of. A bill would show something that's old I have never received a bill. The check that you have sold as a Securities instrument with my wet ink signature I have located it and when I fly over on the airplane to retrieve that instrument all XXXX XXXX is going to break loose I'm going to expose the biggest fraud of the banksters you don't XXXX sell my XXXX signature and make profit off of it and then tell me that I owe you something let me tell you something 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