milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2016 about Bank account or service (Checking account) with U.S. BANCORP (OH).
Issue: Deposits and withdrawals

Complaint: On Friday XXXX XXXX at approximately XXXX, I deposited a certified check for {$1500.00} into my account at my local branch of US Bank. The bulk of the funds were to be transferred via XXXX XXXX XXXX for a 'mystery shopping ' survey. I would not transfer the funds until my bank made them available to me, so I checked my account balance online every XXXX minutes to an hour. The funds showed on my app as being deposited, but not yet available. The app shows both balance and available balance. When I woke up Saturday morning, my available balance equaled my balance. Saturday morning, XXXX XXXX, I transferred {$1200.00} through XXXX XXXX XXXX as instructed. On Tuesday, XXXX XXXX, I was unable to check my account online, so I called US Bank and told my account had been put on hold because it was overdrawn. After being transferred to fraud prevention, I was told the certified check had been flagged on Monday and the funds put on hold for seven business days. I intentionally waited for the funds to show as 'available ' before transferring them as I was worried about just this situation occurring. In showing those funds as 'available ' when they were in fact not, my bank directly lied to me and is wholly responsible for this over draw with their deceptive practices. I ask they be penalized for fraudulently using the words 'available balance ' when I have learned that that was not the balance available.

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 09/15/2017 about Mortgage (Other type of mortgage) with LEVEL 4 FUNDING LLC (AZ).
Issue: Applying for a mortgage

Complaint: I continually receive multiple unwanted SPAM emails from this commercial mortgage broker every day : Level 4 Funding LLC XXXX XXXX XXXX, Licensed Mortgage Broker License No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I have repeatedly requested to be removed from their spam generating system, but they refuse to remove my email address. Can you please help? 

Hi XXXX, Please remove my email address from your automated emails and marketing : XXXX Thank you, Live Support Chat Your Name : [ XXXX ] Hello! My name is XXXX. May I have your name please so I know who I 'm chatting with? 
[ Visitor ] Please remove my email address from your automated emails and marketing [ Visitor ] Please remove my email address from your automated emails and marketing [ Visitor ] mailto : XXXX  [ Visitor ] Please remove my email address from your automated emails and marketing XXXX Thank you [ XXXX ] I have that noted. may I have your name please? 
[ Visitor ] XXXX [ Visitor ] I called and requested this in the past, but I still get several emails everyday from your company. If you could remove my email address, that would be greatly appreciated. I will call you in the future if I need your lending services. Thank you [ XXXX ] Alright. Thank you for contacting us. Please do not hesitate to contact us again if we can be of further assistance. Take care! 

I called and requested this in the past, but I still get several emails everyday from your company. If you could remove my email address, that would be greatly appreciated. I will call you in the future if I need your lending services. Thank you Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: ChexSystems has reported information that is inaccurate. Under personal information they display names that are inaccurate such as XXXX XXXX XXXX, and XXXX XXXX XXXX which are not associated with any business nor my social security number seen on attached document chexsystems.pdf. There is also a page that is reporting my address inaccurately including the name XXXX XXXX XXXX XXXX seen on attached document chexsystemsXXXX.pdf. XXXX XXXX XXXX , XXXX is also reporting inaccurate information for a savings account that I had transferred money in and out of. They stated it was account abuse and closed the account without any notification. They also state that the account was PAID IN FULL AND PAYMENT PLAN which I do not understand how that relates. It was a savings account without any negative balance and nothing had to be paid all which can be seen on attached document chexsystemsXXXX.pdf.

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 11/23/2016 about Bank account or service (Checking account) with PNC Bank N.A. (CO).
Issue: Account opening, closing, or management

Complaint: My bank consistently finds new ways to charge new fees. I am constantly checking my account because they attache fees that do not belong on my account and refuse to reimburse the fees and never give me a straight answer as to why the fees were applied even though my accounts are suppose to be exempt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Bank of America charged me 2 overdraft fees and it was there overdraft fee that actually took me over the limit. This bank continues to charge me several fees when it is only 1 charge that takes me over the limit. How exactly does that happen. I am working 5 different jobs and do n't have any  funds to just give away.

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 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Disputed multiple credit inquiries on credit report on  XXXX   XXXX ,  2017 . The credit bureau responded after the 30 days indicating that they were unable to " read '' my request. However, other than my signature that document was completely typed. This delay tactic has occurred each time I dispute with the credit buruea.      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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a collection on my XXXX credit report from XXXX XXXX. I previously had XXXX for my TV and internet service. Upon cancelling my service I returned all equipment and paid account in full. The collection on my credit report is not accurate and should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Debt collection (Medical) with Community Health Investment Company, LLC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had no insurance and was XXXX and given pills I did n't need and forced to stay against my will then charged for it

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 02-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Billing disputes

Complaint: Besides closing my account without informing me, CAPITAL ONE put charges on my account which I never made. I never had overdraft protection, but balance showing now is {$1100.00} instead of {$700.00}. I contacted them a lot of times, but they just keep ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Student loan (Private student loan) with SLM CORPORATION (AZ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Hi, I 'm  XXXX   XXXX  a college graduate in  XXXX , AZ. I started college at  XXXX  with no real knowledge of student loans or how it works. My school told me that sallie mae was about the only option I had for payment. So I went with it. Everything seemed golden until I graduated college and it was time to pay it back. I have {$58000.00} in loans fro m Sallie Mae  which with interest is at over $  75,000+ I cu rrently work at   XXXX     XXXX   making just about {$30000.00} a year. The enormous monthly expense of {$780.00} a month is impossible for me to pay. I have had no luck with sallie mae being willing to assist me on this matter, by either helping reduce my interest, consolidating my loans, extending my loan life to render smaller payments, and even declining forbearance while still being within their policy limit.     So essentially I have this heavy life ending debt hanging over me with no option but to default and essentially ruin my financial future.     It 's a shame how we go to school in want for an education only to end up worse off than those who do n't even go to college. Something 's got to give ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of XXXX, I changed my home owners policy because I rented my house out. PennyMac, my mortgage company, never sent out the payment for my new policy which they collect in the escrow so I received a cancellation letter from my insurance agency. I contacted PennyMac that day and was told a check was going out overnight. The money was withdrawn from my account at that time.I then received a lettter that my policy had been cancelled due to non payment. When I called the insurance company, I found out my insurance had gone from {$740.00} to {$1500.00} due to the cancellation. I contacted PennyMac who said something happened with the computer system so my check was never sent out. At this point they withdrew the {$1500.00} from my account and gave me a credit for the difference. I thought things were resolved until I got my new escrow account which said I owed $ XXXX. So I called PennyMac and when reviewing my account, they found that they never refunded my account for the {$740.00} check that never got sent, which has since been refunded and charged my account the {$1000.00} for the new home owners policy. When I spoke with my agent as to why my premium was still inflated from the original {$740.00}, he told me that it was because I was cancelled the previous year. I then contacted PennyMac regarding the fact that I am still being penalized for their misappropriation of my funds and requested the difference of {$300.00} because I would still be paying {$740.00} if my policy had not been cancelled and their supervisor 's response was " You had a year to find another insurance. ". I then contacted multiple insurance companies who all were as or more expensive then what I was paying now. I called the supervior I had spoken with on XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX XXXX, received a call back later that night XXXX/XXXX/XXXX but missed a call as I was at XXXX with my girls and I called her again XXXX/XXXX/XXXX at XXXX but have not heard back from her since. I filled out a complaint with the XXXX on XXXX/XXXX/XXXX, at which point I got a call on XXXX/XXXX/XXXX from another person at PennyMac saying he was in charge of trying to resolve my complaint and PennyMac insurance department were looking into the matter. On XXXX/XXXX/XXXX, I called PennyMac again and received a call back stating that the insurance department had determined that the refund was a XXXX time deal and that they were following with their original decision to not refund me the difference. I do not agree with this decision as I am paying more of my hard earned money because of carelessness of PennyMac. I did everything in my power to avoid this issue, spending hours of my time to correct the original issue and hours of my time a year later because the problem was never completely resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Other

Complaint: I had lost my XXXX rewards card and there was fraudulent activity. I made multiple calls to chase and each agent : XXXX XXXX, XXXX XXXX, XXXX, and supervisor XXXX XXXX refused to shut down and reissue card. The card is still open to make fraudulent purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: I just filed two complaints with this bureau about Serve. The original charges I have tried to get disputed and could not, I am in the process of trying again. AND ONCE AGAIN, I AM BEING SHAFTED AND REFUSED THE RIGHT TO DISPUTE FRAUDULENT CHARGES!!! THE PEOPLE WHO HAVE REFUSED ARE : XXXX, XXXX, XXXX, XXXX, AND XXXX, WHO ARE GIVING ME THE SAME XXXX ABOUT AS REP 'S THEY DO N'T DO THAT. XXXX even connected me to the Account Protection, WHICH WAS CLOSED!!!!!!!! I 'M SICK OF THIS!!! I wa n't these amounts put into dispute : XXXX/XXXX/2015 : J. Department, {$10.00} ; XXXX/XXXX/2015 : XXXX, {$4.00} ; XXXX/XXXX/2015 : XXXX XXXX, XXXX ; XXXX/XXXX/2015 : XXXX XXXX, {$11.00} & XXXX. They 're giving me all kinds of lies. A couple of weeks ago, I was successful at getting something put into dispute. Now, suddenly, this policy does not apply and I need to speak to account protection. This is GARBAGE AND THEY KNOW IT!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I finished a 2 year contract with XXXX and switched to another phone company where the balance was to be paid by the new company for making a change to them. The balance was sent to collections while I was unaware and they claim they are unable to delete the item from credit report even after I pay the full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: This is an ongoing case with case ID number XXXX XXXX XXXX has not resolved this matter even though the merchant is willing to refund me at least half the disputed amount

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter datedXX/XX/XXXX18 included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is a credit report with all frivolous items still present. 

These are the frivolous accounts that needs correction/ removal asap. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX REF # XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX ref # XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Deposits and withdrawals

Complaint: For 3-4 years PNC routinely holds my tenant 's rent paid by wire transfer- typically 3-4 days before it even shows up as pending. If a holiday weekend they will hold it an additional 2-3 days. Rent typically was XXXX/mo but was raised to $ XXXX/mo this year and transfer coming via XXXX. If they can float the money and charge overdraft charges as w result they will!

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I called trying to resolve my account with them and wanted to talk to the person that I last spoke with. They would n't have him call me back and wanted to transfer me to a supervisor. I hung up because I wanted to talk to the person I talked to last. They have called me back four times in the last 30 minutes

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Results Unlimited, Inc. (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Results Unlimited Inc, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Virginia XXXX, used a Writ of Fieri Facias to obtain my bank accounts. They improperly did so, the lawyer 's they hired to go to court for them used the wrong address on the Writ, I was never served and the Writ says " Not Found ''. " Not Found '' was supposed to stop them from going any further at that point. They have since sent me a copy of this via mail at the correct address, even though my correct address has been in the court documents since the beginning. They obtained my bank account information and sent a lien to my bank over a week before the process server date listed on the Lien Notice they sent me. The Lawyer 's say they are only their stand in 's in court and ca n't help. Results Unlimited says they refuse to remove the Lien unless they get {$1500.00} and a payment plan. They violated my due process rights and are committing fraud by holding my bank account with an invalid lien. They committed fraud to my bank by sending them paperwork that said they had a valid lien when in fact they did n't since I was never served.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: have been contact the citibank many times in the past, the executive XXXX XXXX finally called back, she agreed that what my claim was all true the agent made mistake regarding my account balance only told me that I should pay my balance whatever showed on my bill, even there is a return which will be a credit on my account. 
She is a real calm artist did nothing rather than telling me to pay the bill on my statement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Do n't ever recall having or doing anything in my life with XXXX banks or credit cards!

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit card () with TD BANK US HOLDING COMPANY (CT).
Issue: Other fee

Complaint: I opened a line of credit with XXXX XXXX XXXX with TD Bank. I have since made two payments to them. My bank is rejecting the payments because they are not recognizing the creditor as a legitimate creditor. I have since called my bank and asked them to allow payment for this line of credit. TD Bank, who holds the line of credit, has since charged me fees and filed against my credit. I have made multiple calls to them and made every effort to pay them. They have told me they were going to have a supervisor contact me multiple times and I have never received a call back. They have agreed to remedy the credit issue to ensure that this has no negative impact on my credit and now I can not even get them to give me an update. It is a never ending list of them asking for more information and then never getting anything done. I have spent hours on the phone and been treated terribly by them. I am seriously concerned that TD Bank has no interest in helping me and I feel like they are ignoring the issues to attach additional fees to our account. Please help us as it appears TD Bank has no interest in helping. What options do we have?

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2016 about Debt collection (I do not know) with Charlottesville Bureau of Credits, Inc (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have already submitted a complain against this company, however, it seems that parties involved are inept as the complaint concluded that they " could n't identify the company ''. So here is my attempt to humor your inabilities : Valley Credit Sevices XXXX XXXX XXXX XXXX, XXXX, OR XXXX Acc # XXXX As stated in my previous complaint, I was not rendered services by this company, I 've never dealt with them in my life, I certainly did n't do business with them, yet they claim that I owe them over {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (I do not know) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving calls ( XXXX ) a day from BBVA Compass and have told them on the phone and in writing I am not XXXX XXXX ( my name is XXXX XXXX ) and to please stop the barrage of calls. They clearly do n't believe me and another person may call within hours, most certainly days. I should n't be getting calls all evening and I have an XXXX shift and head to bed early around XXXX. Weekdays, weekends, they do n't believe me and wo n't stop. What do I do?

Company response to consumer: Closed with explanation