milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: Back on XXXX XXXX my wife went to the XXXX XXXX Regions Branch to cash her pay checks. She would save up several and cash all at one time for the given month. I believe it was on the day of XXXX XXXX the branch manager called her ( wife ) and told her they over paid her by {$700.00}. and would need the money back. My wife told them she did not have there money and even so she did not have the money in her account. The bank manager replied " I Know '' XXXX ( Wife ) then told her she would need to look into this matter and call her ( XXXX ) Back. As soon as the phone hung up the money was pulled out of our joint account and put the account into overdraft. Please understand that this is 2 months latter with no written notice or no verbal notice. The bank basically put us in a really bad situation with paying bills and checks bouncing. I could be very understanding if a notice was given and we had time to investigate. We have asked for proof that XXXX actually received these funds and they have said no. On the day of XXXX XXXX XXXX called a lady by the name of " XXXX '' a regional manager for regions every 15 minutes over a 4 hour period with no return calls. ( she gave up ) At this point we want and need our money back unless Regions can show and proof to us we have the money. This was very unprofessional and has caused anguish for my wife and I. All they had to do was handle this matter with respect and professionalism and this matter would have been resolved. 
Thank You, 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 07/25/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Closing on a mortgage

Complaint: My loan was modified and I made three payments as requested but then the loan was transferred and foreclosure action started. i applied two more times, they denied it without any reason why denied. they sent me no documents indicating the reasons. I engaged a lawyer to protect our interest. My lawyer got an extension and NationStar Mortgage promised that they will send documents for modification. They never did even though my repeated calling. Their answer was that they do n't have enough time for modification.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (FL).
Issue: Problems when you are unable to pay

Complaint: I am late on my car payment, that is obvious, but the car company calls daily 6 times, sometimes I will speak with someone and literally 5 minutes later I will get another call from someone else within the same company will call and I will explain that I just spoke with someone, yet they will continue to ask the same questions again, it seems as if they are looking for my reasons to change? They have been verbally asked to stop calling so frequently Additionally I submitted a written request to them through their own internal contact process a copy of this message is attached ; however this has not deterred them at all. The company is Exeter Finance Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I recently went into my account to try and figure out why my balance is still so high after paying on this loan for 17 years. I see the initial balance at {$6500.00} on XX/XX/XXXX. On XX/XX/XXXX, it appears that I consolidated my loans with an ending balance of {$7100.00}. The history from XX/XX/XXXX thru XX/XX/XXXX is missing ( which I requested from AES, but never received ). My loan was transferred to AES on XX/XX/XXXX and now showing a balance of {$9900.00}. I did not take out any additional student loans at this time and do not understand how the balance increased by {$2700.00}. I 'm also certain that I made payments during this time, so this could n't be from accrued interest due to forbearance, but I have no way to confirm this since the history is missing. Going into the history details, it shows that I had an Unsub loan with an original balance of {$11000.00} with XXXX and a Sub loan with an original balance of {$2100.00}. This is obviously incorrect as you can see from the attached that my original total balance with XXXX was {$6500.00}, NOT {$13000.00}. Additional payment summary information shows that I 've paid a total of {$14000.00} in principal over the life of this loan. I was able to get a copy of my billing summary from XXXX along with my transcript that will show that I never took out student loans resulting in {$13000.00} in debt. I appreciate any assistance you can provide in helping me straighten this out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Credit decision / Underwriting

Complaint: Specialized Loan Servicing XXXX company owes me {$3000.00} money they held in a suspense account and never payed me back after close of escrow per XXXX XXXX at XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XX/XX/XXXX, Great Lakes told me that my student loan payment was jumping up from {$270.00} a month to {$560.00} a month because I made a few thousand dollars more than the year before. That would be the payment under income-based repayment. I called and asked why my payment was almost doubled considering I only made a little more than the year before, and no one could give me a good answer. I asked if there were other options, and they said that I could pay {$5.00} to apply for the PAYE program. While this was going on, I had also hand-written a XXXX-page letter explaining that I could not afford a $ XXXX monthly payment, asking for a reconsideration of this amount. I faxed them this letter and mailed it to them. When I called again to check on the status of my application, I was told that I was not eligible for the PAYE program. I asked why I was made to pay a {$5.00} application fee if I was never eligible. I did n't get a good answer but was told that I could apply for the REPAYE program to get my monthly payment down. To make a long story short, I keep getting emails and letters that my income-based application is in process and that my $ XXXX monthly payments will begin on XX/XX/XXXX. I have called them probably a dozen times by this point to ask again and again for the status of my REPAYE application, and I keep getting the run-around. Every time, it 's a different story -- '' We need a paycheck stub. The application is still in process ( after several weeks ). Your payment will be {$560.00} a month. '' I have given them all of the information they need to make a decision on my REPAYE application, and yet it always seems to be in process. I even asked to speak to a manager last time who said she would make a note to rush my REPAYE application, only to get another email from them about my income-based repayment. I 'm tired of constantly calling them and getting the run-around. I feel like I am being pushed to make a payment I can not afford -- a payment which has no justification based on my income -- or pushed into forbearance where my interest will continue to compound and accrue. I am trying to pay off my student loan in earnest. I need a straight answer from them with regards to my REPAYE application. I need a lower monthly payment than {$560.00}. I 'm not sure where that number comes from. Can CFPB help, please?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Other fee

Complaint: The annual fee of the AMEX Gold card keeps increasing XXXX $ year-by-year. Although I know it is a choice and, supposedly, we get informed for any increase, this is outrageous. So you end up paying every year paying the fee, as if you cancel the card, you lose all the reward points that you have collected so far.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Their refusal to have the accounts removed has ruined my life and especially my credit. The XXXX XXXX XXXX has my accounts listed 4 different times on my credit report starting from XX/XX/XXXX to XX/XX/XXXX and these are with XXXX XXXX. And the others are with XXXX and they are listed multiple times from the dates of XX/XX/XXXX-XX/XX/XXXX and they are all the same accounts.

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 05/18/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: All XXXX credit bureaus have extremely different and inaccurate information contained within my credit report. These include accounts that are n't even mine, accounts that have never been late and still open reported as collections and closed, items not reported accurately and some accounts open and in good standing not reported at all.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I have a line of credit /home equity with Wells Fargo . Back on XXXX XXXX I received a letter that my pmt may change in XX/XX/XXXX. It stated that the est pmt may be {$500.00} and in small print it stated that this was an estimate only and that I should call for a more detail clarification of my new est pmt. I did call on XX/XX/XXXX at XXXX MST and spoke with XXXX XXXX she specifically calculated what my new pmt will be and came up with {$220.00} p/m - I asked her why in the letter it said {$500.00}? she told me not to worry it was only an estimate as the letter stated but my real pmt was going to be {$220.00}. Before my pmt was interst only about $ XXXX p/m but I was sending about XXXX per month so it did not appear to be a fin prob for me. As of XXXX and eevry month since I have paid them {$250.00} on time every month and they suddenly kept increasing my " past due amount another {$250.00} more per month. They increased my pmt to {$500.00} per month. I contacted them and file a dispute with them and asked them to escalate it and correct it as this is not waht I was told by them. I actually talked to XXXX XXXX on XX/XX/XXXX and before I explained the whole situation he also calculated for me the same pmt of {$220.00}. Wells Fargo never took resp of the bad info they provided me ( 2 diff.people ) and they claim that it was a mistake but they will not correct it for me. I have been calling them since and complaining and they wont help me. I just checked my credit score today and it has gone down from XXXX in XXXX to XXXX!! because of the reporting of WF. It is affecting my credit and I ad a very good score. I need help with WF I will attach all of my notes as I have done everything I can with them and they wont help me even though they admit they made a mistake. They want me to do a loan modification which will affect my credit even though I have not done anything wrong and for years I never missed a pmt and always I sent more than the min. I also have in the same house a 1st mortgage with them and I have never been late. The lasy time I spoke with them on XX/XX/XXXX with XXXX XXXX at XXXX x XXXX at XXXX mst I asked her to escalate the issue and she told me that GT at extension XXXX was going to contact me in less than a week - as of now XXXX XXXX I have not heard back from anyone at WF evrytime I try to call its a nightmare to speak with them and I have to explainthe whole thing thing over and over and they just give me the run around. 
please help 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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried a number of times to resolve this issue with the creditor XXXX to no avail. They are reporting 6 late payments on each one of my 3 loans out of their office from the months of XXXX XXXX - XXXX XXXX causing me to have 18 late payments reporting on my credit report despite any proof that I was in the repayment phase of my loan. According to official records obtained from the XXXX XXXX XXXX XXXX XXXX there is nothing to show that I was in the repayment phase for the period of time reporting late. On the contrary, the NSLDS documents show that I entered repayment XXXX XXXX and forbearance the very next month XXXX XXXX, XXXX where my account status remained until XXXX XXXX, XXXX when my account went into repayment status again. This information is verified and supported by my account activity pulled from XXXX 's website ( which i have attached to this complaint ). Under Fair Credit Reporting Act Section 623 XXXX has a responsibility to furnish accurate information, investigate claims of inaccuracies, and update information determined to be inaccurate. I have included an excerpt of the section of the FCRA that has been violated by the inaccuracies being reported by XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the  information is, in fact, inaccurate. the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is my 3rd request to have my state tax lien status reflected as " RELEASED ''. I disputed two previous reports hoping that it would display my status ; however, they are only displaying the date of the release but will not update the status as it is currently showing ( -- - ) in the status field.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (AP).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Credit Bureaus XXXX XXXX XXXX XXXX XXXX Santander Consumer is showing inaccurate and erroneous information. It has labeled my account as a charge off. Accountbwas current and used as a trade in witbanother auto company. Would like this deleted. 

Please have them send me an updated credit report once removed to the below address. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened the account when I was a employee at XXXX. The overdrafts happen when I left the company. When I opened the account I told the loan officer not to allow me to overdraft ( you will see what code I wrote in on the paper work with my passport on it saying i dont want to be over drafted ). But when I was no longer a employee and was using my card, I did n't realize I was over drafting my checking. What I think happened when my account was set up is that overdraft codes were changing at the time and were not classified properly and the loan officer made a mistake. I did not worry about the account because I was going to only use the money I had and put a little more every six months because that is the proper use for it so you do n't get charged a fee ( I know how the fees work obviously because I worked there ). Well right after I stopped working at XXXX I changed address. I was not notified of my overdraft charges until my mother who lived on XXXX told me I got a letter from what seems to be a debt collector. I was shocked. I opened the letter from XXXX and found out I owed about {$78.00} to XXXX. I paid XXXX I believe in XXXX ( not certain ) and they informed me I would be in good standing with the bank. I called XXXX a few days later to ask a representative if good standing meant that the bank would n't report it she confirmed yes. I went on with my life, and now that I 'm trying to open another checking account at a different financial institution, they said they cant because of 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 11/13/2015 about Credit card () with JPMORGAN CHASE & CO. (ND).
Issue: Other

Complaint: Chase Cardmember Services for Visa credit card failed to handle fraud charges in reasonable time frame. Received a notice today. This fraud alert was send to me in XX/XX/XXXX and it is now XX/XX/XXXX. I emailed them on regular basis to send me infor. 
They need to refund me fees and penalties and correct the card payments. The credit card is current. I have been working with Executive Corporate office.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: APR or interest rate

Complaint: I am a customer of Bank of America. I have XXXX separate credit cards. Back in XXXX I was in need of cash and was checking interest rates and fees with each of my credit cards for cash advances. I chatted with XXXX different Bank of America agents before I did the cash advances and I asked some simple questions : " What is the interest rate for a cash advance? Is there a transaction fee? What is the fee? What methods can I use to get the cash ( bank, atm, direct deposit )? 

At that time, XXXX agents I chatted with informed me that I would be a charged a very large fee of 5 % but they told me I would get a 0 % promotional interest rate until XX/XX/XXXX. Based on this information I went ahead with the XXXX cash advances totaling {$11000.00}. I was charged the 5 % fee as expected however when I got my next statements I was charged a very large amount of interest. I contacted Bank of America and the first agent denied my request to have the interest refunded. They said they needed proof that I was promised a 0 % APR that can be used at a bank or atm. I was accused of lying and was told that there was no way they told me they would give me 0 % for a cash advance. I did n't save those chat logs. 

Due to this, I did an experiment last Tuesday ( XX/XX/XXXX ) and I went online and enacted a total of XXXX chats with Bank of America through your website. The first chat I was n't provided any information and I saved the subsequent XXXX chats. Of those XXXX chats, only XXXX agent could answer my questions correctly. XXXX of the XXXX agents gave me incorrect information. XXXX of the agents informed me that I could get the 0 % APR with a cash advance through a bank teller or atm. XXXX agent told me I could get a 5 % interest rate with a {$10.00} FIXED fee. 

This was very alarming to me and I was hurt by misinformation given to me by Bank of America. I am sure many other customers have also been hurt by being given misinformation. My goal is to make sure no other customers are hurt by agents giving them incorrect information like offering a 0 % interest rate when the actual rate is 24.99 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-07-2016 about Mortgage (Conventional fixed mortgage) with FIRST NIAGARA FINANCIAL GROUP, INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Consumer Financial Protection Bureau Case # XXXX This is an ongoing case in which I have submitted a letter to First Niagara Bank in response to their letter detailing that the information they provided was not in fact proof of fraud and that actual proof needs to be submitted. I have attached a copy of the letter. 
Please help to get this matter retified. This was originally submitted to the Attorney General 's Office and they submitted it to you. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation