milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Loan servicing, payments, escrow account

Complaint: A bi-weekly payment plan was initiated for my mortgage with Bank of America. I was told that when the amount of a full payment was received it would be applied to my account on the date received. In review of my account all funds would sit as a " available balance '' until XX/XX/XXXX and then be applied. I have been over charged for interest on my loan and my payments have not been applied properly. In addition my mortgage account was paid XXXX full month in advance prior to entering the biweekly payment plan. I will use XX/XX/XXXX as an example : ( Please note that no payment is due on my account until XX/XX/XXXX in this example because i have already payed in advance ) XXXX/XXXX/XXXX first biweekly draft in XX/XX/XXXX occurs XXXX/XXXX/XXXX second biweekly draft occurs. On this date the full mortgage payment is available and in the banks possession. 
XXXX/XXXX/XXXX a third biweekly payment is deducted from my checking account XXXX/XXXX/XXXX funds are applied to the account with a posting date of XXXX/XXXX/XXXX Every month my payments sit as an available balance and do not get applied until the next month.

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 06/27/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Other

Complaint: I have a huge problem with my Citibank payment. My FICO score dropped over XXXX points due to " miss payment '', which, is totally not my fault. First of all, I set up automatic payment for my account at the very beginning. Second, I have been having difficulty logging into my Citi account on my mobile app, as well as online. So when I tried to check and pay my monthly bill, I simply had no way to access anything. Plus, Citi closed all its branches in Pennsylvania, and this is where I live, so I can not go to any local offices to solve my problem, but to call their hot line. Third, after I got through the hot line, the representative said that the reason why I could not log in to my account is they sent me another debit card before without letting me know, and, I do not understand why they sent me a new card. Anyway, I did not receive the new card, so I have been unable to log in to my account. This led me to miss my payment, and they blamed it on me. The week before last week, I tried to pay my bill over the phone by giving my authorization ( last XXXX digit of my checking account ) to the representative to take money from my auto payment checking account. And I was confirmed that the payment was successful, so I guess they have my correct payment information. But today when I called Citi again after I found out I lost over XXXX FICO score because of the " miss payment '' ( absolutely not my fault ), the explanation they gave me was the auto payment did not go through. I found this extremely unacceptable, because they used the same payment account to pay my bill the week before, and it went through. But, they refused to cancel the report of my miss payment to the credit union. I have been trying to solve the problem for almost three months, but I still can not login to my Citibank account, I still can not make any payments on my own, and, because of which, I lost over XXXX FICO scores.

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 05-11-2016 about Credit card () with Army and Air Force Exchange Service (MD).
Issue: Billing disputes

Complaint: I have an account with the Military Star credit card, issued by the Exchange Credit Program, XXXX. XXXX XXXX XXXX, TX XXXX. I made a purchase on this account under a promotional zero interest plan. The company intentionally prevents payments made from being applied to the no interest balance, in order to carry that balance through the end of the promotion which would then begin earning interest. There are no materials or billing information listed either in the promotion materials, or the billing statement, that tell consumers that they have to request each time a payment is made, exactly how that payment would need to be applied. Without their knowledge, the agency automatically applies the payments to the non-promotional balances, including when additional payments are made or when no payment is due. This will cause all of the military customers to begin earning interest on a balance that they believed was paid off before the promotion ended. I find this to be a predatory practice, specifically targeting young service members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was not told initially about the income driven repayment plans, which resulted in my agreeing to a large loan payment monthly that I couldnt afford. When I finally logged back in after hearing about the income driven plan, the system erred and would ot allow me to apply for it. The School I attended was The XXXX School in XXXX, TN.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I recently realized I lost my check card, and upon checking the account, I noticed Check Card transactions which were not mine. I called my bank, Regions, immediately to report the fraudulent transactions. I received an affidavit form back, which they did not ask me to sign. In addition to the fraudulent transactions, they included several transactions which were actually mine. I faxed the affidavit form back with the appropriate corrections. 

I just received a letter in the mail dated XX/XX/XXXX, stating that the bank has determined not to provide me a credit for any of the fraudulent transactions ( see attachment ). This is a clear violation of the Electric Funds Transfer Act, which limits my liability to {$50.00} on transactions I reported as fraudulent, because I contacted my bank within 2 days. 

Additionally, the bank charged me a {$250.00} excess activity fee on XX/XX/XXXXbased partly on these fraudulent transactions. Approximately one year ago, the Bank had charged me an excess activity fee based on their attaching my debit card to the wrong account. At te time, they mailed me a letter saying they were changing my account type so I would not be charged this fee again. 

Inexplicably, they charged me an excess activity fee this time for transactions which were not even mine!

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 09/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted by Fair Collections and Outsourcing inc.by phone that I owed XXXX $ to XXXX XXXX XXXX owned by XXXX XXXX on XXXX XXXX. 40 days after my lease ended at XXXX XXXX XXXX XXXX IN XXXXon XXXX XXXX. No prior notice of any money owed was sent during this time prior to the phone call. XXXX collections explained the amount owed was for unknown late fees, unknown damages, XXXX $ unexplained and XXXX $ described as electric re-billing. I was never offerd a final walkthrough inspection of the apartment to check damages. The Electricity was never included in my lease and was my responsibility not XXXX XXXX to pay. After 15 years leasing from this company I am surprised that I was turned over to a collections agency threatening my credit score and rental history without notice and so quickly. On the day my lease ended I was returning my keys ; the Offices of XXXX XXXX in XXXX Indiana were closed. This includes, XXXX XXXX and 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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Did not authorize these inquiries i called to dispute and company says call credit agency and credit agency says call companies.

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 03-09-2016 about Debt collection (Auto) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Last year I filed a complaint with you regards to Midland Funding. A few years back I noticed that Midland Funding showed up on my credit report and disputed it through XXXX and XXXX because I did n't know who they were. I received a letter from the credit reporting agency that they did not respond so it was removed. Last year my work received a garnishment letter from the Sheriff. I was given this information from my employeer. I contacted Midland Funding who referred me to the collection agency they had turned it over to. When I contacted the collection agency the informed me that this was for XXXX XXXX XXXX. I financed a vehicle for my family member back in 2001 and never knew the vehicle was taken back by XXXX XXXX XXXX. I was able to verify the date that the last payment was made. I contacted the courts to see when a judgement was filed. I contacted an attorney who informed me that the statue to file a judgement in NY was six years from the last payment. After verifying this the judgement was filed after six years and I was never served with paper from XXXX XXXX XXXX, Midland Funding or the collection agency that they were suing me for this debt. The collection agency informed me that payments were made to them in the last coule of years, I asked them for copies of these payments made which they said they could n't provide me. This clearly is because I never made payments to them and my family member who I financed the vehicle never made payments them either. I want proof of these payments made within the statue of limitations which were never provided. I was informed to file a complaint through this site and am also going to seek an attorney as well to assit with this matter. I would like assistance to find out how they can violate the law and not provide me with this so called payment that I made to this account. I would like this documentation but none of them will provide me with this because it is not the case. I was told that you could assist with getting them to provide this since their acting in violation of the states laws. I notice that the collection agency they placed this with has been sued several times due to this. I was told I could also file something with the attorney general which I will also be ding today.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MI).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Best Buy Citibank I went to BestBuy to buy an XXXX XXXX. I have XXXX credit score and only qualified for a gold card which is a sub-level card for credit deficient account holders, upon applying for the Department card I was told since my credit history is so poor that I only qualify for the gold card which means I have to pay for monthly financing and a {$59.00} annual membership fee instead of getting 0 % for the first 12 months. This was a deal-breaker I went home to call Citibank to find out why and was told that only because of my name and address was I denied the top-tier level because if it was only for my credit then i would qualify for the highest level. Citibank laughed at my frustration. The supervisor/manager literally laughed at me.

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 08/22/2017 about Credit card or prepaid card (General-purpose prepaid card) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: On XX/XX/XXXX, Simple closed my account with them without giving a reason. Since then I have had many many contacts with them in an attempt to get them to refund the almost {$300.00} remaining. They first stonewalled, then " sent a check '', which was undelivered ( and refuse to tell me the address they sent it to ) and returned to them, then they again went silent for 12 days before telling me that they are stopping payment on the check ( which THEY HAVE ) and reissuing a new one. Again, this has been ongoing for 90 days now. I previously filed a complaint, and they responded that I may have been the victim of fraud. When I contacted them about this, they did n't know anything, and again refused to talk to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-05-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have lived in California since   XX/XX/XXXX . There was an account opened for   XXXX   under my name in  XX/XX/XXXX f rom Florida, which I did not authorize.  XXXX  reported the account to  XXXX  credit bureaus and then sold the collection to convergent outsourcing. I have disputed this with the collection agency and filed a victim 's identity theft report with the police. I also faxed my report and letter of dispute along with a request to delete any information regarding this account with the credit reporting agencies, but, the account fraudulently remains on my credit reports.

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 05/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with VIRTUOSO SOURCING GROUP, LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Virtuoso Agency located in XXXX Colorado. The customer service agent was very rude. I had sent them a police report and other items verifying that it I was a victim of identity theft. The original creditor direct energy cleared the balance realizing it was identity theft. I asked the debt collector to send paperwork to XXXX to clear my name. Virtuoso is reporting that it is in open collections to the credit agencies. The agent was rude and said I am not your friend and I do n't care and I do n't have to help you. All I asked was them to send a letter to XXXX that the account was recalled by XXXX because of fraud. They are reporting to the credit agencies even with the fact that they know its fraudulent debt and wont do anything to clear it.

Company response to consumer: Closed
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with JPMORGAN CHASE & CO. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX a.k.a. XXXX XXXX XXXX XXXX XXXX ( XXXX ) a.k.a. XXXX XXXX XXXX a.k.a. XXXX XXXX XXXX a.k.a. XXXX XXXX a.k.a. Bank One complaint with Consumer Financial Protection Bureau ( CFPB ) XXXX/XXXX/XXXX - Original debt to XXXX discharged in bankruptcy ( please note that all account numbers given to me are different from the original account number from XXXX ) XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent collection letter for {$9400.00} ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, phone : XXXX, fax : XXXX XXXX/XXXX/XXXX - XXXX permanently closed account per A. XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX sent collection letter for {$10000.00} ; XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX permanently closed account XXXX/XXXX/XXXX - I filed online complaint against them. 

XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX called my cell phone ( never been listed with original debt ) looking for my spouse, claimed to be representing XXXX XXXX XXXX and threatened legal action if $ XXXX debt was not paid over phone, insisted that debt was made in XXXX XXXX and payments were made until XXXX, refused to send any documentation supporting claim, XXXX XXXX/XXXX/XXXX - Contacted bankruptcy attorney and was told it was a scam, not legal, and I was covered under bankruptcy laws. 

XXXX/XXXX/XXXX - XXXX XXXX XXXX said the debt for {$4500.00} was charged off in XXXX XXXX and then sold to XXXX XXXX in XXXX XXXX. Phone : XXXX, fraud line : XXXX, customer service : XXXX XXXX/XXXX/XXXX - XXXX Collections has no records of debt. Phone : XXXX, XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX called my cell phone, looking for my spouse, and wanted to collect debt for XXXX claiming same as XXXX XXXX XXXX XXXX ( same scam? ), agreed to accept proof of bankruptcy either via fax or email ; upon receipt I need to call them to verify that file is permanently closed, phone : XXXX, XXXX, fax : XXXX, email : XXXXXXXXXXXX XXXX/XXXX/XXXX - Filing complaint against all involved to end this illegal harassment over a non-existent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Bank account or service (Checking account) with POPULAR BANK (NY).
Issue: Account opening, closing, or management

Complaint: Popular Community Bank 's mobile application lists completely surcharge free atms on a map around you. I went to a listed surcharge free atm and was charged an atm fee and a bank fee. When I called Popular Community Bank customer support they said the atm was no longer in their network. Upon further questioning I was told the atm list has n't been updated since XXXX ( 7 days ). They said they 'd only give me a credit for the bank fee and not the atm fee because their system was wrong but it makes me wonder how many other consumers got stiffed with bank fees when unknowingly using atms that had not been removed from the app. I was not able to find out how often this happens. In their 2015 annual report to investors, Popular Community Bank claimed to serve XXXX clients with access to more than XXXX atms. If Popular was incorrectly charging bank fees for XXXX out of the XXXX atms in my community, then how many other communities and clients were affected and how much money in bank fees does Popular make during the time when their atm list is " outdated ''?

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 04-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a credit collection letter from XXXX for {$640.00} with creditor Wells Fargo account ending in XXXX. I contacted Wells Fargo regarding the amount due for the account ending in XXXX. The representative stated that the account ending in XXXX had a balance of {$450.00} and he not sure were the collection agency got the amount of {$640.00}. The account is being disputed as fraud with the original creditor Wells Fargo for fraudulent activity on account ending in XXXX for the amount of {$450.00} reference # XXXX DATE : XX/XX/2017 @ XXXX. The credit collection agency has sent a letter for a debt collection from a creditor for an amount that I do not owe. This debt is not valid for collections. The is a fraud account/identity theft. This credit collections agency is trying to collect on a made up amount.

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 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Two years ago I was not informed of my renewal date for my income based repayment plan, and I was hit with a charge of over {$1000.00} when my regular payment was nearer to {$400.00}. This caused me to overdraft my checking account and caused a number of other financial hardships as I was unable to pay other bills and had to adjusted payment schedules. They would not refund this money though I asked a couple of times. Last year, I received an email stating that my income based repayment was expiring, and that my new payment would be approx. {$500.00} so I decided not to renew my income based repayment. When my income base plan expired, again is shot up to over {$1000.00} because the email I received was only in regard to a collection of my loans, not all of my loans. In this case they refunded me the {$1000.00} and I was able to reapply for income based repayment. This year, I submitted my renewal for the program and it has been over two weeks and I have yet to hear from them when the deadline XX/XX/XXXX. I withdrew from the autodraft system last year because of this, which increases the headache of making sure they get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit reporting () with ProCollect, Inc (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: While I was in law school I received a phone call from ProCollect, Inc., and a letter to my mother 's address claiming I had a balance on my account for a medical visit. When I asked for documentation so I could pay the bill, they refused and demanded payment of the amount stated verbally. I had no recollection of a past visit to which I owed a balance. I responded in writing to the letter and received no response. When I followed up online via their Chat assistance, they claimed it was for a visit in the XXXX XXXX area on a date I was in XXXX, Texas, and at a hospital I have never been to. Also, I have always had health insurance and anytime I went to the hospital it would have been filed on the insurance for my records and I would have had to made a co-pay the date of the visit. My insurance records show no evidence of a Doctor 's visit on the date stated either. Now, ProCollect, Inc., has reported the debt but claimed it was " PAID '' on my credit report. This makes no sense as I have never made any payment to the company, I have disputed the charge and requested proof of my balance to which none has ever been received.

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