milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2017 about Checking or savings account (Checking account) with DISCOVER BANK (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I received an alert fro m the discover indi cating that my account was going to overdraw if I did not make deposit before  XXXX  I believe eastern time. I went ahead and followed their instructions on the email and set a transfer before that time frame on  XXXX / XXXX /  XXXX   so they would considered as settled even though the actual fund availability would take longer to credit the account ( according to the m ). Well tow ards the end of the day  XXXX / XXXX /  XXXX   discover decided to recall the accidental withdraw that was occurring in the account and assess a return fee. Keep in mind that they were recalling a payment from their own institution a  Discover Credit Card payment ( which they will most likely assess a fee on their card side as well ). This institution has no actual sister branches or self standing bank to make the deposit to cure d efault. This institution has no check accepting ATM contract with anyone to try to cure or make deposit that way. Their mobile check deposit according to them will be held at the same standard as if you were setting up a transfer. They have an overdraft system where they require you to open a savings account with a minimum of { $1000.00} ( not everyone has {$1000.00} dollars sitting around especially college students ). T heir checking product has this service where you gain cash back, I have around {$61.00}, previously I had tried getting to redeem these actual funds held by discover to correct a similar situation. They did the same thing and took their time to credit the checking account from funds they were holding. After I told them this apologize and provided a refund acknowledging that they had not been cleared that cash back gained from their check product also took time to credit checking account. In all this bank will not give any ability whatsoever to make deposit that will cover any outstanding withdraws but quick to charge you a fee and return the withdraw when they please. Also, I have had similar situations with this bank where they did allow the overdrawn account to sit while a deposit I made settled and no fee or return withdraw happened. I do n't understand how this bank expects you act promptly when they can not act promptly or understand that due to their lack of access you can not do much but try to correct an issue through avenues they provide.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Auto debt) with Glasser and Glasser, PLC (DC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XX/XX/XXXX, I purchased a car ( XXXX XXXX XXXX ) with a trade-in of my XXXX XXXX. In XX/XX/XXXX, bills seemed to pill up, as I was not getting a raise for 3 years now, so I had to do what was best for me and my family. I explained to XXXX my difficulties. In XX/XX/XXXX I  explained to XXXX that I could make a payment on XX/XX/XXXX, they agreed to it, but after I made my payment, XXXX repossessed my vehicle on the XXXX. After a few months, XXXX contacted me with the balance due, which I thought was high. A month or two later, XXXX contacted me regarding the XXXX account, we made a settlement for {$8000.00}. I made a payment, then maybe 2-3 months later, XXXX and XXXX called, stating they had the XXXX account. I first took them to be scammers, based off what they were saying and their manner of speaking, but I found out they were working for XXXX. We made a settlement for {$6600.00}, I made bi-weekly payments in the amount of {$150.00}. I received a notice for court, but I did n't understand why, because I was already making payments. The notice stated that my case with XXXX had been dismissed and closed. This is when the payments stopped. I noticed XXXX on my credit report in XX/XX/XXXX. I have been contacting them since to have it removed. It shows XXXX balance due $ XXXX. Attached you will see all I have gone through in trying to pay off this debt and have it removed from my credit report, immediately. XXXX 's collection attorney 's have lied to me, forged my signature, and XXXX is a huge part of this. XXXX and XXXX requested my paystubs and bank statements ( 2 of each ), my monthly budget, and a statement stating why I would like to settle ( {$2000.00} ). I did this twice this month, already. The first time for {$500.00} and the second time {$2000.00}, neither time has XXXX contacted me with an answer. I searched the Better Business Bureau and found similar issues with XXXX XXXX as well as XXXX and XXXX. I also searched your consumer search and found that XXXX was sued for discrimination against XXXX Americans, XXXX, and XXXX XXXX for overcharging on auto loans, as I believe I was in the beginning to have traded an SUV to get a XXXX XXXX. I was never sent a settlement package in that particular case on discrimination. I would like to have this debt deleted on my credit report. This has been a huge burden on me. I have been chasing XXXX, XXXX and XXXX as well as XXXX XXXX XXXX in order to make payment and resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX/XXXX/XXXX Portfolio Recovery Associates received my first request for debt validation as I do not recognize said debt. 

XXXX/XXXX/XXXX Received Portfolio Recovery Associates first response letter. XXXX failed to provide request information or anything that proves I owe said debt and only provided name, last XXXX of XXXX, debt amount, date account was opened, original creditor name and address. 
. 
XXXX/XXXX/XXXX XXXX receive my second request for proper debt validation, highlighting previously requested information that was not provided. 

XXXX/XXXX/XXXX Received XXXX second copy of bill originally received XXXX/XXXX/XXXX, still not providing requested information or anything proving I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Mortgage (FHA mortgage) with Neighborhood Assistance Corporation of America ("NACA") (MI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Hello, I am looking for an attorney to review my realestate case.
I had been working with NACA, ( counselor : XXXX XXXX ),, Which is funded by HUD. They promise no down payment, 3.5 % interest rate, no closing costs and poor credit ok and loans up to 150 % of appraisal to make improvements. ( I lost all my rentals and my primary house in XX/XX/XXXXhousing crises/ predatory lending and was forced to file bankruptcy ) I bought a house on land contract with {$3000.00} down and 7 % interest, ballon in 5 years which was XX/XX/XXXX.
You have to go to pay for membership with NACA and go to meetings, volunteer and complete extensive paperwork. I completed my paperwork beginning XX/XX/XXXX and completed in XX/XX/XXXX I was promised my loan info would go to under writing and within 10 days I would hear back of closing. As far as I know my loan never went to under writing. I have called left messages, sent emails then complained to Member services and then received an email asking for updated bank statements. Now the office does n't even answer my calls or respond to email. I do n't know if I am being discriminated as throughout the whole process I have not seen another XXXX.
My landlord is stating he will be forced to start legal action. Now I am being forced into getting a loan thru XXXX XXXX ( who is a cousin of my land lord ), with high interest rate with several thousand in fees and no additions money to fix and insulate this house.
I appreciate any help you can give me. Please call/email once reviewed.
Thank you for your help in advance.
Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit card () with KEYCORP (OH).
Issue: Billing disputes

Complaint: I have asked Key Bank to lower my monthly minimum payment on the two accounts that I have with them. I was in a debt management program for the last 4 1/2 years paying Key Bank {$270.00} on the one account and {$170.00} on the second. I have never been late with any of these payments. I have struggled through 4 1/2 year of making these payment but now since my balances have went down considerably from roughly {$24000.00} down to {$3400.00} I need my minimum payments recalculated to whats allowed by law. I have talked to Key Bank up management and they will not lower my minimum. I think its a disgrace for a person trying to do the right thing gets no consideration. I am currently trying to refinance my home but would not be able to with these current monthly minimum payment on credit card accounts. I will still pay more on these accounts to eliminate them but I need my minimum payments to reflect less so my debt to income ratio will work with my refi. My mimimum payment should probably be no more than {$75.00} or {$100.00} dollars. Even before I went into the debt management program my accounts were not past due. I have always paid them on time well before I got in the program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2017 about Mortgage (Conventional home mortgage) with FLAGSTAR BANK, FSB (CA).
Issue: Trouble during payment process

Complaint: I used a mortgage broker to refinance a loan a few years ago named   XXXX   XXXX  . Upon closing the loan, it was sold to a third party called  XXXX . That has been the mortgage servicing bank I 've used since.
Recently, I started receiving constant robo-calls and direct calls from Flagstar Bank stating that they needed to speak to me about a very important " business matter. '' I ignored the calls as I had never heard of them before, did not have any business with them and after a   XXXX   search of their poor customer service, had no interest in working with them.
Unfortunately, unbeknownst to me -   XXXX   sold my mortgage to Flagstar, but neither bank properly notified me. They sent letters allegedly to the wrong address. They did not attempt to contact me to explain the situation and kept harrassing me that they were sending me to collections. Never explaining that they were my new loan service provider.
When I did call them, they asked me to provide them my social security number - again, not something I was going to do to a random company I never heard of. When I protested, they were incredibly rude and did not offer any explanation as to why they were continuously hounding me on the phone. I think I have at least 20 calls from them over the course of 45 days.
Net net - I 've now made payments to the bank and am in good standing. But this bank 's poor mortgage transfer communications along with their harrassing and menancing calls is unacceptable. The people at this bank should not be allowed to treat customers in this way!
I have to imagine there are guidelines in place in terms of what requirements both banks must abide by when selling and transferring a mortgage between providers.

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 06/21/2016 about Consumer Loan (Vehicle loan) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (KS).
Issue: Problems when you are unable to pay

Complaint: UAC/Carhop harasses people everyday even after they talk to them. They also sell cars that have problems from the get go and wo n't fix. I am only 18 days behide and get calls or emails everyday even though I have spoke to them. I explained the reason for it and they come up with every excuse in the book.

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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXXXXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 01/18/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to my request to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (NE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had an unauthorized inquiry from a dealership, i sent in proof to company and they still have not removed the hard inquiry

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 02-07-2017 about Money transfers (Domestic (US) money transfer) with Comerica (NY).
Issue: Fraud or scam

Complaint: I recieve XXXX payments on the " direct express " debit card from " COMERICA BANK '' this morning I attemped to pay my monthly bills as usual only to find that {$800.00} was stolen from my checking account. I called customer service and the bottom line from them was, we will send you documents in the mail in XXXX business days to fill out and return. Then they will begin an investigation and in XXXX days they will decide whether to restore funds or not. so, im XXXX, I have no children and no savings and no rent or medical premium or food. can you please help? besides calling landlord and others i owe to ask them for more time due to stolen funds, what can i do or where can you refer me to at least pay my medical premium

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NV).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Navient has been collecting money from me for 8 years now and I do n't know why they wo n't help me. 1 ) I never opened these loans 2 ) I 've been paying them and when I do n't have the money to pay or when I call and tell them that I ca n't afford the payments they tell me there 's nothing for them to do about it. They have no options for me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: american express account ending XXXX i just received my XXXX bill and this isnt the first time that ive had the same issue with amex. not one alleged thing they said i approved has my signature to verify my purschase. i dont know how but if one attains your ssn number jeez every bill is via online. and ive written them and thy dont care they just ignore me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/19/2016 about Debt collection (I do not know) with Michael G. Niles (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company named Executive Financial is repeatedly calling my personal phone regarding debt. They do not provide the name of the person they are calling for and I do not have any outstanding debt that would have been submitted to a collection agency. Several online complaints claim they have erroneous info and are phishing. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (DC).
Issue: Shopping for a loan or lease

Complaint: I am receiving emails from Springleaf Financial Service indicating that they need to verify my income and identity to process my loan request. I have n't requested a loan from them.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Please help me to stop a foreclosure that is scheduled for XXXX XXXX. It would be unnecessary and unfair to foreclose while I am still waiting for a response to my appeal of Ocwen 's wrongful denial of my modification request. All I want is a chance to make a reasonable payment. 

I applied for a modification and sent in all the information that Ocwen asked for. Then I was wrongly denied based on Ocwen 's error. 

In a " non-approval notice '' letter dated XXXX XXXX, 2016 ( attached ) Ocwen said I was denied for a modification because my income was too low. The notice says that Ocwen verified my gross income as {$XXXX}. That is completely wrong. 

I had given Ocwen all the papers they asked for to document monthly income of {$XXXX} from retirement income as a retired XXXX XXXX XXXX employee, plus monthly income of {$XXXX} from Social Security ( {$XXXX} per month before deduction for medical insurance premiums ), plus monthly rental income of {$XXXX}. Even if they only count part of the rental income, that is still far more than the {$XXXX} they mentioned. 

So I sent Ocwen a letter dated XXXX XXXX, 2016 ( attached ) appealing the denial and explaining that they had made a mistake calculating my income. 

Ocwen confirmed they received my appeal, and in a letter dated XXXX XXXX, 2016 ( attached ) they said they would send me a written response. 

Since then, my niece has called Ocwen to check if anything more is needed. My niece has been authorized to talk to Ocwen for me since I am XXXX and it is also hard for me to communicate in XXXX. Ocwen has told my niece again and again that no more papers are needed for my appeal. They even told her the file was in the " under writing '' department. 

But we never got an answer or any update about the appeal. Instead, Ocwen scheduled a foreclosure sale for XXXX XXXX, 2016 ( letter attached ). 

Please have Ocwen postpone the foreclosure sale so there is time to give a fair consideration of my application and the appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Mortgage (VA mortgage) with CalAtlantic Financial Services Inc (FL).
Issue: Closing on a mortgage

Complaint: After reviewing my disclosures provided by my lender of choice XXXX XXXX, I decided to do my own research into choosing a title company and settlement agent to obtain the best offer and rates on services on a new construction home being built by a large National Builder. CalAtlantic Homes. After receiving quotes and offers from different companies I made my choice and provided that information to my lender. The title company that I chose did their due diligence and after reviewing the fine print of my contract noticed I had 10 days from the date of my contract to choose a settlement agent otherwise I had to use the builder 's chosen title company which as you would imagine is,  CalAtlantic Title. The attorney at the title company explained that I likely had no ability to change at this point as he has dealt with the builder before and they will always point to the contract and stand by what 's in it. I reached out to the original sales agent who I signed the contract with and explained my displeasure on not having a choice and that 10 days from contract on a new construction home is unreasonable given that the house will. It be built for months. I also explained that I had done research on read that I can not be forced directly or indirectly to choose any settlement agent. He spoke to " someone '' and advised that unfortunately it was in the contract and that 's what I had to use. This unfortunately creates an advantage to the builders title company to not only have virtually all the business since no one will likely read about the 10 day window but also will allow them to charge whatever fees they like and not have to be competitive as the consumer will have no choice on changing. Also in the contract the builder charges {$200.00} a day of the customer can not close on time yet there is no penalty for the builder if they change a closing date as has already happened twice. I fear their contracts are extremely one sided and give the consumer little choice and power outside of what options to pick for granite and color schemes.

Company response to consumer: Closed with explanation