milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Deposits and withdrawals

Complaint: I deposited XXXX $XXXX checks into my USAA XXXX account Friday XX/XX/XXXX. I deposited an additional XXXX XXXX checks into my USAA savings account on Saturday XX/XX/XXXX. My account was locked after depositing the checks into my account Saturday XX/XX/XXXX. I was told by a representative that my account wold be on hold for 2-3 days. When I called back in on XX/XX/XXXX I was told my account was under review and that my account would be inaccessible until Friday XX/XX/XXXX. The explanation was that they were waiting to see if the checks bounced. On Friday XX/XX/XXXX I called the bank back and was told my account wold be frozen/in a credit only status until the checks returned. The checks will not be returned because I still have XXXX in the account that the checks were drawn from. I can see that USAA presented and received all monies from the checks on XX/XX/XXXX I offered to call the other bank and give them permission to discuss my account as well as the funds available in the account. USAA refused. They are going to hold over $10,000 indefinitely and I have no recourse. This is criminal, illegal, and downright sickening that they would treat a customer with no incidence of bounced or returned checks like this.

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 12/31/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Kwikcash, Inc. (CA).
Issue: Struggling to pay your loan

Complaint: We did reach out to KwikCash for a loan when my credit schore was XXXX. I understood my loan payment for {$2500.00} would be {$180.00} for first payment then after that $ 118 Monthly. I also understood my interest rate would be accessed according to my credit score and credit history. KwikCash pused my interest rate to 125 % with a credit score of XXXX!! That is excessive and abusive lending My family experiensed a finicial hardship and reached out to KwikCash to inform them of our finacial hardship and the exccessive interest rate. Kwikcash offered to reduce our rate to 120 % and requested payments every two weeks. Also threatened to sue by filing a civil suit against us and ruin our credit. I asked for them to except one payment per month until we got back on our feet, we were told the under writer said NO. I was also told we had to provide them with a ATM Debit card to pay going forward. I expained we did not have a Debit card to provided to them and I would mail a money order/cashierspayment. I was told they would only allow us to pay by Debt card. I also explained that our goal was to avoid chapter XXXX bankrupt, i did not also know our interest rate was sooo excessive and to please lower it and work with us. I was told they would only lower to 120 %. This is offeal and wrong to threaten us. To threaten to sure a Military Veteran who severed our country and take advantage a soon to be XXXX Vetern is just offeal. Who can justify imposing a 125 % rate on a consumer with a credit score of XXXX % and a soon to be XXXX Veteran. Also the application was done online and the terms were deceptive, unclear. Small print and the payments were understandable to be monthly, not byweekly. Just wrong, and would not work with hardship and refused to take payment unless it was with a ATM card.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (Conventional fixed mortgage) with FIRST CITIZENS BANCSHARES, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: On Monday, we got a phonecall from the person ( XXXX XXXX ) who did the appraisal on our property at the request of First Citizens Bank & Trust - North Carolina. He informed us that the appraisal was inaccurate and that he 'd notified the bank. The bank was however trying to fool us into believing the appriasal was accurate. XXXX XXXX said he would refund the money we paid the bank for the appraisal. He 'd made the same offer to the bank, but the bank refused to take it. As a result of the bank 's desception we have lost the house we were going to build on our property, lost the builder, lost the downpayment, and lost the loan application fee. Not to mention, losing a year now that it 's XXXX and they 've been pulling this scam on us since XX/XX/XXXX. 
Resolution ... .I 'd like to see the bank lose it 's license to do business in North Carolina and plan to also file this complaint with the State 's Bank Commissioner.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I checked my credit and found out there is a medical bill from XXXX Hospital in the amount of {$2200.00} that is not mine and I wanted removed from my credit. XXXX Hospital is the state of Maine I live in California never traveled to Maine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2018 about Debt collection (Other debt) with EQUIFAX, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION ACCOUNT NEVER LATE / NO KNOWLEDGE OF THE COLLECTIONS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 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: Personal information incorrect

Complaint: In XXXX of XXXX I accessed my free credit report with all 3 reporting agencies. For the last three years I was not able to access Transunion 's only XXXX and XXXX. Transunion would state there was a problem then prompt me to pay for the report. This year was the first time I was able to access. Transuion had multiple addresses that were not mine, ever that I had to dispute. Transuiion had no current employer information. They had my current employer as XXXX XXXX which I worked at almost 30 years ago. I submitted my current address and was able to delete all of the incorrect phone numbers which were over 20. Transunion had a Date of Birth for me reflecting XX/XX/XXXX. How did it get there I don't know. When I asked them they merely stated that I needed to submit to them my birth certificate in order for them to change it. I was furious! How is it that XXXX and XXXX   has the correct information but they do not? How is it that someone was able to go into this credit report and change it? Was it a Transunion employee? was it someone posing as me? I am well over 40 with XXXX daughter in college in another state and XXXX who just got accepted. I was denied a loan that pulled A Transunion report, and I didn't understand why until now. If the DOB information did not match, then it would have looked like I wasn't who I was claiming to be. IRS, CA DMV has my correct date of Birth, why doesn't this federal entity? I filed 2 complaints with the  FTC. I spoke with a representative today which told me to file a complaint with this unit. Can you please investigate and see how long this information has been this way? As well as who submitted an incorrect DOB on my Transunion Report? I currently have security freezes on all 3 reports that fall of in XX/XX/XXXX due to possible identity theft with a company posing as real employers on XXXX and had Homeland security forms. I reported it to Ca Attorneys Generals Office as well as the FTC

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 03/28/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX divided bill to companies with identical names & same unique blue/yellow bills " XXXX XXXX '' and " XXXX XXXX. '' I paid XXXX off. Did n't ' realize XXXX entities. Once realized, offered to, and started paying monthly XXXX. ( Payments via money order not attached. ) XXXX submitted to credit bureau XXXX/XXXX/15 claiming " no payments. '' Disputed. XXXX responded with misleading info regarding my intake, refused discussion, and refused to remove. Continued dispute. XXXX removed. XXXX did not. I continued monthly payments. Accepted. Now, XXXX sent to new collections agency, that reported on XXXX and XXXX. I did nothing wrong. Costing me higher premiums, interest loan rates, etc. Not fair.

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 11-06-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We had a mortgage with XXXX that was transferred/bought by Nationstar Mortgage LLC. We got a transfer notice from XXXX on XXXX XXXX. It said to send our payment to Nationstar for our XXXX payment. We did that and it was returned by Nationstar. We called them and they said that because we are a XXXX BK loan we could only call them on the phone to make a payment and it would be a XXXX fee each month. We have filed CH XXXX BK but the mortgage was not included in it and the trustee does not make the payments. We have been making the payments on time to XXXX Also we asked for statement or why we could n't access the online. They said they do not send statements or allow online access for XXXX bk loans. How are we to know that they have been allocating money to our escrow tax and have paid our taxes. I think we are being penalized for being a CH XXXX BK. It is going to cost us an extra XXXX dollars each month to pay our mortgage. Then we have no proof they have posted the payment and paid our escrow. They also gave us a different address for the company than is on their website and in the transfer letter. We are unsure as to what is going on with our Mortgage. This seems a bit shady.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. There has been no known financial harm inflicted on me yet, but potentially all of my personal financial information has been compromised. This is completely ridiculous for a company that handles so many peoples personal information that can be used maliciously to ruin someones life. This is not even a service that I opted into. EquiFax has collected all of my personal information and then released it to bad actors because they were too cheap and irresponsible to hire professional security experts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Checking or savings account (Checking account) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: In late XXXX I signed up for a checking account with First Tennessee with a promised bonus. I fulfilled the requirements and waited the required time frame for the bonus to post. When the bonus did n't post I messaged them and they said the offer did n't apply to my state. I asked for a link to prove that it did n't, because I did n't see it at opening - and I read fine print. I was given a different number to call and when I called it I was told there is a bonus code attached and he would check the landing page. Than I was told it was expired when I opened the account, than I was told it did n't apply to my state. When I asked for a link/landing page I was told that there is n't one and the customer service rep remembered this bonus code from 5 months previous and it did n't apply to my state. He said customers usually have their own proof for the bonuses. I think this is very dishonest since a large number of First TN bonuses DO apply to my state, I did review the fine print, and they have no record of their own offers.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (I do not know) with Solutions To Portfolios, LLC (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX XXXX, claiming to be from STP assoiciates continues to call me at work and call several relatives. I told them to send a debt validation letter and to only communicate with me via US mail. She refused, saying she could call who she wanted, and that this would be a criminal complaint. I reiterated that if there was, indeed, a debt owed, that she should send me a debt validation letter via mail, and she said she would 'just send a summons ' and hung up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: i filed bankruptcy in XX/XX/XXXX and it ended in XX/XX/XXXX got letter from a debt collector saying i still owed XXXX on the second mortgage, i was told all that i still owed was XXXX but they are saying that this was interest on what was owed on my loan bankruptcy showed what was paid

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I properly filed a dispute of XXXX unknown medical accounts with Equifax on XXXX/XXXX/2015, they responded with a request that I contact the reporting collection agency, which I did on XXXX/XXXX/2015 ( proof of delivery attached ). The reporting collection agency did not provide me with any valid answer. I re-disputed to Equifax on XXXX/XXXX/2015 with a copy of my letter to the collection agency and proof of their receipt, Equifax again refused to properly investigate or delete these XXXX unknown medical accounts. Equifax opened the investigation XXXX XXXX, 2015 and mailed me the results of the investigation by XXXX XXXX, 2015. Equifax is the only credit reporting agency reporting these XXXX unknown medical accounts. I also contacted the reporting collection agency on XXXX/XXXX/2015 via phone ( since they were not responding to my requests ) I was told that they do not hold these XXXX unknown medical accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with Alliance Data Card Services (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit history request- never authorized, company not recognized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2017 about Debt collection (Credit card debt) with Gurstel Law Firm, P.C. (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: On XXXX XXXX, 2016 XXXX XXXX XXXX XXXX sued me in XXXX XXXX for the State of Arizona in & for the County of XXXX -- XXXX XXXX for {$11000.00} which was the amount credited to my husband 's XXXX XXXX XXXX XXXX credit card as result of a move of some of our possessions from XXXX XXXX XXXX to XXXX AZ in which some possessions were stolen or lost, and others were damaged which XXXX refused to reimburse my husband for despite insurance coverage from XXXX. Attached is a copy of the XXXX statement showing my husband, XXXX XXXX XXXX, received the credit after providing XXXX with evidence of the items stolen/lost and damaged. My husband was the XXXX to XXXX. Attached is correspondence with XXXX XXXX XXXX and a listing of theft/loss and damage to various possessions moved. I was only a signatory on his XXXX account. Despite the fact that XXXX accepted my husband 's proof over XXXX 's XXXX has sued me and refused to turn over any correspondence between XXXX and XXXX. I need assistence because hiring an attorney would me a large portion if not all of the XXXX recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: When REPAYE was made available in XXXX 2015, I submitted my application to switch from the XXXX repayment plan to the REPAYE repayment plan. Since XXXX of last year, I have spoken with my student loan provider ( FedLoan ) several times to get enrolled. Each time I have called their customer service has assured me that I would be enrolled in the next month or XXXX, but now it is XXXX -- nearly XXXX months since I submitted my application -- and FedLoan still has not enrolled me in REPAYE. Earlier this month, FedLoan direct debited a much larger " accelerated '' payment ( as they called it ) even though my REPAYE application was being processed and I specifically called them to alert them to the scheduled direct debit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2017 about Credit card () with Alliance Data Card Services (MA).
Issue: Billing disputes

Complaint: I went to a company ( XXXX ) for a medical issue that my doctor said was my last resort to avoid the XXXX I had to endure almost monthly. However, the company went bankrupt and gave their contracts to another company to which their lawyers sent out a letter to opt out of the next company and i did. Considering i felt as though it was a scam. I told Comenity that I opted out and they were bankrupt, they told me to go to the other company and try to get a refund. I tried multiple times to get info and refund or even get a location as to where that location was located. After talking to comenity for months telling them I could n't get a hold of anyone or get a refund with multiple disputes, they tell me to go down to the office that is located in the exact spot where I was getting XXXX before ( Am I they only person who sees scam? ). I get in my car and drive down there immediately only to find out that company is bankrupt as well. Comenity, now informs me to send a fax of all my XXXX history. I sent them a fax on XX/XX/2016 stating my contract was special due to my medical issue. That the usual contract was for XXXX treatments, I was allowed unlimited if my XXXX back and that due to XXXX I was able to get XXXX 3 times on other areas, but only once on the area i went in for in the first place, because you ca n't shoot lasers into an open wound. I got a letter back saying that I did n't put in the number of treatments. To which I went to their XXXX page livid asking if they were capable of reading. I got a number to escalated customer service explained the fax and a woman wrote in my exact details of the issue explaining why my issue was not cut a dry. I thought the issue would finally get resolved, but they closed the dispute, said I have to pay and the only way now to open a dispute is to write them a letter and find a copy of my contract from XXXX, that has now been chapter XXXX for over a year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/17/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: I have been a Bank of America customer for XXXX plus years. I am beyond confused and frustrated with the way my account is handled. XXXX is not consistent and therefore I end up paying the price. In XX/XX/XXXX I paid {$730.00} in overdraft fees. I ca n't say with certainty that all of those were justified fees. Customer Service reps ca n't explain why policy seems to fluctuate, and often do n't communicate in the tone of their voice that they really care. I utilize this account primarily for the XXXX Pay service, and automatic payroll deposit. I deposit a check weekly ( Fridays ) into this account from my XXXX account to cover all scheduled bill pay recipients. I previously made the deposits on Thursday nights after XXXX, to avoid the BofA account going into negative status, however the checks would post to BofA that same night, triggering a NSF fee from XXXX. My other payroll does n't go into XXXX until Friday morning around XXXX. So I now make the mobile deposits on Fridays to avoid fees from XXXX. 

Last Friday XX/XX/XXXX I made a deposit of {$1700.00} at XXXX pm. That checked cleared XXXX the same day. BofA put a freeze/hold on that deposit and several of my bill pays were flagged as NSF, including my mortgage and not paid. Again, the check deposited was from the same account that has been used weekly for several years. I went thru my email notifications to see what time the other Friday deposits were made and here is what I found. Please note none of these deposits were placed on a freeze/hold and none of my bill pays were flagged as NSF, all were processed. 
XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX {$1500.00} XXXX XX/XX/XXXX {$1500.00} XXXX XX/XX/XXXX {$1500.00} 10:20 pm Please help me understand what is happening. I just got off the phone with a BofA XXXX and was told the deposit on Friday could not be verified by XXXX, so a hold was placed. That check cleared our XXXX account that same afternoon. 
Any help you can provide would be 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 monetary relief