milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/19/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (DE).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, an amount of {$220.00} was moved from my checking account to my car loan with Suntrust. This was not initiated by me. I later found out from a Suntrust phone rep they moved these funds themselves. Because they did not notify me this was done, I processed a payment at the same time, also for my car payment ( the only thing this account is used for ). Given the payment was made twice, I received an overdraft and an extended one - due to a payment I did n't even initiate. 
I called to rectify this and was told it was no problem, to simply dispute the payment from XX/XX/XXXX. I stated several times that I was fine with the payment itself - it was going to be paid to the car loan eventually, it just was n't fair that I was n't given the chance to reduce my payment, as when I made my payment that was the available balance. I was told the dispute was the only way and would return the XXXX fees. It did not. 
I was then issued a temporary credit, which I of course paid right back to my car loan in good faith, as, again, all I wanted were the fees returned to pay them to the car loan as well. Instead, the temporary credit was removed, and I received XXXX MORE fees. 
Well I call and spoke a manager, XXXX, he stated he could not help. I asked for the address for executive relations and he stated that did not exist. 
Why are you actively making it more difficult for your customers to pay your own bills? This is a ridiculous business practice that you can not see that the right thing to do would be to return all XXXX fees - and then give no way to escalate higher than low level management.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (FL).
Issue: Customer service / Customer relations

Complaint: I purchased XXXX tickets to a show using my First National Bank of Omaha credit card. The show was canceled. The money was refunded to the credit card. There was a balance of {$130.00} when the money was refunded. The credit card company will only send me {$470.00} and kept the {$130.00}. for a payment. I requested a check for the full amount {$610.00}. The payments to the card were current with no past due balance. They have no right to keep my money. I did n't want the balance paid off at that time. Some of that money I needed to give back to the people that were going to the show with me. It 's wrong and they should have sent me the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (Medical debt) with Credit Associates, Inc. (MO) (CA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: In  XXXX  of   XXXX   I suffered an injury at work that was covered by worker 's comp. Since that date, I have been receiving notices from the  XXXX   XXXX   XXXX   XXXX   XXXX , indicating that I owe them {$290.00} for a consultation while I was in the hospital. This should be covered by the worker 's comp company. I have contacted the worker 's comp company and they have assured me that they have been trying to reach the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  without success. Meanwhile, the  XXXX   XXXX   XXXX   XXXX   XXXX  has continued to send me letters, despite multiple calls to try and clarify the situation.     Now, I have begun to receive letters from  Credit Associates , Inc.,   attempting to collect what the  XXXX   XXXX  reported as a debt. As of this morni ng, Credit Associates left a  shredded note taped to my front door at approximately  XXXX , in regards to the supposed debt. Not only is this in violation of the California State  Rosenthal Fair Debt Collection Practices Act and the Federal Fair Debt Collection Practic es Act for contacting me well before  XXXX , but I believe it also constitutes harassment ; not only for coming to my home to post a shredded notice, but also for potentially revealing information to persons other than my attorney and my sp ouse ( i.e. my neighbors and  roommate ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Medical) with PlusFour, Inc (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: File chapter XXXX 0n XX/XX/2016. At the time this debt was created my dental insurance paid more than absolute dental claimed I owe. 
I claimed this debt on my chapter XXXX bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Incorrect information on your report

Complaint: We applied for a modification which took over 2 years to accomplish, meanwhile we continued to make payments and NEVER missed, I have written goodwill letters, as well as attempted to dispute with credit bureaus, to no avail, we still have these on our reports causing us to not be able to get the credit we need for other things ... Chase Mortgage refuses to remove these..Obviously, if we had missed 29 payments, we would have been foreclosed on, we are still in our home, and have never been served any foreclosure notice while in the mod process, and yes, still paying on time. Our experience was we would send in documents and be told " they lost them '' we would call and always have a new " mortgage help rep '', these things caused our modification process to last too long. These " missed payments '' are not accurate.They are a huge mistake on Chase 's part. False credit reporting as well. 
The dates they show we never payed were : XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX,  Not sure how far back i can go, but, I can load payments off of my bank account if necessary to prove that all payments were made ... This is all a lie!! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I tried opening an account with Chase bank today. The gentleman informed me that they would n't be able to but refused to give me a reason why or a number to contact to find out why it was denied. He said they were not obligated to share the information.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (Medical) with Seattle Service Bureau, Inc (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I filed a complaint with the CFPB on the original creditor after ( case # XXXX, I also submitted paperwork from my insurance company that clearly showed that I didn ; t owe this bill and now they have turned it over to a collection agency,

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On my credit report is an entry for a credit repair company that I never used, had a deal with, or even knew existed. I do n't know where this came from. 
The company is XXXX XXXX XXXX and XXXX XXXX XXXX is collecting for them. 
They are trying to get me to pay XXXX and have put derogatory information on my credit report. I want this removed. I never had this service.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Other transaction issues

Complaint: i signed up for Venmo last week and made some transactions though folks i know. 
Venmo froze my account last Thursday and has not provided me any information. They stole XXXX of my money and refuse to provide reasons why. The company does not have a customer phone number. i have no way to resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have XXXX FFEL Stafford Subsidized Loans in default. Both loans were for {$5500.00} and I owe {$3200.00} on one ( {$88.00} outstanding interest ) and {$3200.00} on the other ( {$100.00} outstanding interest ). I could only find out this information on the federal student loan website. Navient apparently owned both loans at some point, but they show XXXX loan as transferred and XXXX loan as paid by USA Funds. On the federal site, one shows that XXXX has it, but when I login, there is no information and no payment due. The other shows that it 's all still with Navient, but Navient 's website shows it 's not. I moved in 2011 during an economic hardship forbearance, and I never got any more information on repayment. Since then, I 've been trying to track them down, and I STILL ca n't figure out how to repay everything. I need some sort of straightforward information, and when I contacted Navient their response was a form letter telling me options on how to repay loans, but no specific information as to WHO and HOW I repay loans that they show as not being at Navient, even though the federal website says XXXX is at Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: During refinance process, closing papers were signed on Saturday, XXXX XXXX, 2015. Papers were forwarded to finance company, funds were distributed XXXX XXXX XXXX XXXX on XXXX XXXX, 2015. 
Payment was wired transferred to Caliber Home Loans - funds were denied and returned to lender. This process was done 4 times and rejected by Caliber Home Loans. I am a XXXX veteran and am seeking resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (MI).
Issue: Struggling to pay mortgage

Complaint: Freedom mortgage took over my mortgage on XX/XX/XXXX. They tried to give immediate relief but they said I needed more income. Then they said that I should fill out a loss mitigation packet. I filled out packet onXX/XX/XXXX and sent it over night. I spoke with someone on XX/XX/XXXX and set up a payment for XX/XX/XXXX for XXXX. But as we continued to talk he said he could n't set up another payment because of the letter that went out. He also said that any other payment should be western union. I told him that after the payment of XXXX on XX/XX/XXXX I could pay 2 payments on XX/XX/XXXX and another payment of XXXX at the end of the month XX/XX/XXXX.That would be a total of XXXX. He told me i should be fine he was going to try and extend the date of the letter fromXX/XX/XXXX to XX/XX/XXXX. But after the talk with the customer care dept. I mailed off the loss mitigation packet and went to my mailbox to open the letter from freedom mortgage. It 's a demand letter for all past due payments for XXXX no later XX/XX/XXXXand if payment in full is not made they will require full payment of the entire loan. So with all of the money I have coming in profit sharing and my pay checks to get back on track Freedom mortgage is going to take my home. I would like to believe that they are going to help but after all of the negative reviews from this company I believe that they will just take whatever I give them and if it 's not the total amount byXX/XX/XXXX they will keep it and sell my home. I was working with XXXX but they sold my mortgage to Freedom Mortgage. I have worked so hard to get my home at this point I feel as if my only option is to file bankruptcy. This is not what I want to do but letters speak louder than a Customer  service representative saying I should be fine over the phone.

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 04/24/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient increased on of my loans interest rate to 10 % without notification or approval from me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Enova International, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX of XXXX I hired XXXX XXXX XXXX to help with debt management. All companies involved, including XXXX, agreed to repayment plans via XXXX XXXX XXXX. Their agreed upon amount was {$260.00} per month. In XXXX of XXXX I had XXXX XXXX Counseling contact XXXX  to get a current balance due. At this point they said {$3300.00} left to pay. In XXXX of XXXX a final payment of {$200.00} was paid. During this entire time they have been reporting to the credit agencies that I am past due and that I owe them more than what I did, when I was paying them, on time, on the agreed upon amount. They have been reporting this for almost two years and continue to report the account as open and past due when it is not. XXXX entered into a contract, as all the other companies, with XXXX XXXX XXXX, accepting their terms and repayment, but continued to report as a delinquent account when, in fact, they were being paid correctly and on time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with JDJ Investments, INC. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An apartment complex is attempting to collect alleged damages from me without providing any evidence that said damages occurred. Six months after I moved out of the complex ( lease payments made in full and on time ) I receive a collection notice. When I sent the collection agency a letter requesting information under the FCRA, I did not receive a response. As neither the original creditor ( XXXX ) nor the collection agency ( Credit Bureau Services ) has provided sufficient evidence that any damages to the unit were incurred ( before/after photos, work orders for repairs, invoices, etc ), the attempt to collect against me is clearly a predatory practice directed toward young college students whose parents will likely " cut a check ''. When pressed for documentation, the original creditor stated that the documents were " lost ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do not have any Real Estate. I never owned 5 cars. I never had 7 credit cards. I am a 100 % XXXX Veteran and was approved for department of education school loan forgiveness. I would like for all of these to be removed from my credit report. For my Hard Inquiries please provide original signatures that I ALLEGEDLY signed ... .I believe someone has used my name and identity. Thank you in advance for your help. 

XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX .... XXXX/XXXX/XXXX XXXX XXXX  XXXX .... XXXX XXXX XXXX .... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 11/19/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Please view case # XXXX from the CFPB database and you will see I have attempted to get this debt " validated '' and not " verified ''. However, NO supporting documents have been provided. Also, I have attached supporting letters to mailed to the Equifax on XX/XX/2016. Please provide supporting documents for this debt or delete off my credit profile. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian has reported incorrectly a judgement that I have satisfied as still owing. This information has hurt my ability to get new credit and need them to update my report. I have tried through other means ( XXXX XXXX ) to have it removed or to have it show as " satisfied : or " paid ''. 

Please help! 

Respectfully ; XXXX 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 non-monetary relief
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This account was never late and is a duplicate account.

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 05/14/2017 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: Reporting company used your report improperly

Complaint: While by fact we WERE ABLE to get financial loans, a mortgage etc. now that we have PAID a substantial amount OFF such as mortgage and high balance loans My  Credit score  has dropped significantly by  XXXX  or more points and I am being rejected for credit. Amazingly they, you and lenders do nothing but reject. Also even while having a security freeze on my account people still inquire  WITHOUT  permission. My husband has written of this to you but has informed me you do nothing! Never the less this in by opinion a scheme to further encumber us since this created our current financial woes. We were better off before paying those lenders off.  So HOW can my   XXXX   be lower? OF course you 'll give me the unfortunately leav ing off the total debt is less.

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 03/20/2017 about Debt collection (Credit card) with Love, Beal & Nixon, P.C. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was contacted by the debt collection agency in regards to the debt I owed on a credit card. I had closed the account with the company because I knew I could n't make payments because I had lost my job. After several phone calls I was forced to block the number they were calling from because they would not cease and desist. It was a few months later when I received a phone call from my brother informing me that they had called his wife 's parents in an attempt to get my information. I explained the situation to my brother and apologized to his wife 's parents. Since that transpired the company has filed in court against me and I 've responded with a request for line item detail of the debt. They sent me a copy of the old credit card bill, that is all. I offered to settle and make payments, but they would not compromise. When I notified the woman on the phone that I would be making a harassment complaint she became angry and hung up the phone. The debt collection firm is Love, Beal, and Nixon out of XXXX ; notorious for trying to get default judgements and using scare tactics on people.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Filed for Bankruptcy in XX/XX/XXXX because of a divorce, received moneyfrom the divorce in XX/XX/XXXX, I paid all bills I had filed on and withdrewthe Bankruptcy. Had not been a month till I withdrew the BK. Today is XXXX XXXX,XXXXand I still have not been able to get this taken off my credit report. It is showing aBankruptcy dismissal. I did not go through with this yet it is still on my report. I have been denied a Home Loan, a small personal loan, a credit card, an apartment, and even have to pay higher prices for utilities to be turned on. I am a XXXX senior citizen living on a fixed income. I feel I have been treated unfairly because of this BK.I would like for this to be taken off, since I did not go through with this. It is effecting my credit score XXXX pts. 
I try very hard to keep my credit score up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2016 about Mortgage (Conventional fixed mortgage) with PLANET HOME LENDING, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage company will not remove mortgage insurance, continues to slam my phone with daily collections calls, does not allow payments to be made online if you get behind, and charges a {$10.00} fee to pay by phone.

Company response to consumer: Closed
Consumer complaint received 02/18/2017 about Credit reporting () with AmeriCollect (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do not recognize this collection i was a victim of identity theft its not mines and there are multiple charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: 1. Reporting incorrect credit score from XXXX, property manager, Experian and XXXX. 

2. XXXX tenant screening report showing incorrect current address as XXXX XXXX XXXX XXXX. This is a previous address. Current address which is XXXX XXXX XXXX XXXX XXXX XXXX is reported as previous. 

3. Under eviction search, XXXX/Experian shows 2 items. Item # 1 has been satisfied and should be completely removed from reporting. Item # 2 did not involve me as i was not the tenant. The plaintiff erroneously included me in the action. I was never a lessee of this property in question. The lessee/defendant was the plaintiff 's son. This should be removed entirely.
4. Under credit information bureau, medical payment data, collection amount of {$120.00} has been paid in full and should be removed from my report.

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