milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2018 about Checking or savings account (Checking account) with Comerica (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX during a seasonal low period in my business, I was extremely cautious of my balances in our business checking account. Our payroll hit our account on XX/XX/XXXX, first thing in the morning I ran to the bank to make a deposit to cover 3 of the 14 debits as the funds were there for 11 of the debits. The unethical bank or banking practices took the debits before applying the credit in the same day. They charged me 14 x $ XXXX= {$530.00} in overdraft fees. I tried to work this out at the branch, they gave me a courtesy credit of {$190.00}, although it was appreciated, I was made aware of XXXX XXXX unethical practices, they settled a class action law suit in XX/XX/2012 but I feel they are up to their unethical practices again.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: There are a number of issues I have encountered wit  h Navient that I had assumed were just normal frustrations over loan servicers. Issue number one was the obscure emails I would get stating that my, " Loan document was ready to be viewed '' and was then provided a link that would not take me to my loan documents, but rather my normal servicer website. I would then have to work extremely hard to even find where my loan documents were as they were not filed under any normal tabs or website areas ; I would be directed to login to a separate page and when I would, I would be directed back to my normal Navient account website.
Issue number two, I have attempted to apply for income based repayment plans four separate times with no success. I apply online, my husband finishes his portion of the application that is sent to him, then I get an email letting me know I would be informed when I was approved or denied. The first time, I never got such email so I called Navient after a while and was told the application was never completed ( even though I had    emails proving it ) and I would have to start a new application, but that they would apply a forbearance until it was approved. During my second application, I was requested to provide proof of income, but that if I applied through the IR S Data Retrieval tool, it  would automatically pull income for proof. I decided to apply through the IRS  Data Retrieval  tool to streamline the process. However, I received an email later stating that my application had been denied again since I did not provide proof of income. When I called to discuss this, they said my application was, indeed, expired and I would have to apply YET AGAIN and they would apply an additional forbearance. My third time applying for income based loan repayment I was switching jobs ; I left my previous job in  XXXX , started my new  one on   XXXX   XXXX  but would not draw a paycheck until the end of  XXXX . I applied the third time, immediately calle d Navient and  inquired about my proof of income since I would have no paychecks or pay stubs until the end of  XXXX . I was informed that I would be able to provide a letter of job offer that had my pay scale included in the letter. I contacted my HR department, received the letter, and submitted it t o Navient and  was later informed that my application was denied because a letter of intent did not count as proof of income.   Third, I recently received an email that my loan payment amount was about to change and that action was needed as my income driven repayment plan was about to expire. However, I was never approved for an IDR plan and was still required every month to py {$350.00} instead of an amount based on my income.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax claims they can not send my my credit report and I need to go away

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On  XXXX  I sent over a certified letter of dispute for a number of erroneous accounts and Alias, Phone Numbers, Address, That Are REPORTING INCORRECTLY to Be REMOVED i sent over also my State ID as proof. I also Asked : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Se c. 605, 609, and 623.  On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without, it must be removed. They sent no proof just papers that was generated not from original creditor but it said verified nothing was used to match up information fro m Original Creditor and   XXXX ,  XXXX , Experain, with is in violation of the law ... ..

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 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have asked this company to stop contacting me and they continue to call me everyday, several times a day and today they called me at XXXX pm.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (NC).
Issue: Trouble during payment process

Complaint: To Specialized Loan Servicing / XXXX XXXX XXXX XXXX XXXX, Please verify that there are no other existing versions of the alleged note other than the two you have supplied to us. We desire that there be no more surprises of differing notes.suddenly appearing. If you are holding other copies that are different in any way, shape or form from these two copies claimed to be the copies of original note please send these to us now..We hope for your cooperation in this matter.

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 02/29/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I paid my monthly mortgage payment to PennyMac on time. They applied the entire amount to a one-time principal paydown instead of my monthly payment. My next statement showed late fees and that my loan was in arrears. I made at least two calls to their customer service center to clear up their mistake. I then got another letter from PennyMac stating that my loan was not current. 

I requested and was promised a call from a supervisor, which never occurred. I also requested and was initially denied a written communication from PennyMac stating that : a ) the error had been corrected ; b ) my loan was in fact current ; and c ) my credit rating had not been affected. 

Since I have neither received a call from a PennyMac supervisor nor a written communication, I am contacting CFPB to ensure that my credit rating is not impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A state tax lien was placed on my credit with the state of California. The lien is meant for XXXX in that state. I am an XXXX. I made an income of XXXX $ during XX/XX/XXXX. The state of California will not remove the lien after we sent XXXX documents showing proof of a XXXX $ income for XX/XX/XXXX, since I worked only for the XXXX and was then and currently am a XXXX resident. Please help. The lien was placed in XX/XX/XXXX. I have spoke to the XXXX XXXX XXXX XXXX office, they told me what to fax, sent all documents numerous times and lien is still in place on all XXXX crediting monitors XXXX, experian, and XXXX. I am not able to purchase a home with the VA home loan system due to this lien.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I contacted the BBB regarding a mis-reporting of my credit score from TransUnion LLC. They report to me XXXX credit score that falsely leads me to believe I am in " fair '' market value for obtaining credit or a loan, but then they report a totally different score to the lender or creditor. This is " Unfair '' credit reporting and biasly misrepresents my credit worthiness. The score they report to me, should be the same score reported to the lender or creditor. 
Both the BBB and TransUnion completely side-stepped the issue and the only resolution they offered was to send me a " free '' credit report. 
I have also contacted them regarding a credit reporting from a " claimed '' creditor that indicates I owe them money for a rental property from 2013. I did not owe the money then and disputed it with the creditor. The creditor refused to show " proof '' that I owed and they never acted on their claim ( i.e. filing suit to obtain a legal judgment making me responsible for said amount ). I have asked for proof of Court Ordered Judgment stating that I owe this creditor, but they refuse to produce or admit that they actually have one. Without this proof, they have no legal right to place this item against my credit. I have repeatedly asked for its removal as there is no proof that it is my responsibility to pay, but both TransUnion and the creditor will not comply. Again, this is " Unfair '' credit reporting and in direct violation of the FCRA and consumer protection laws.

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 03/23/2016 about Student loan (Federal student loan servicing) with Action Financial Services, LLC (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: On XXXX XXXX, XXXX, I received my first and only notification from XXXX XXXX that unless I paid over {$4500.00} I would be in default on my student loan of {$34000.00}. I called four separate times and finally reached out to the Department of Education, Ombudsman Group, to dispute the lack of communication provided. I received notification a month later, XXXX XXXX, XXXX, stating that I had been in touch with the XXXX XXXX XXXX and the matter was closed with them. At no time, did I ever speak with XXXX for assistance. On XXXX XXXX, XXXX, I received my first correspondence from Action Financial Services that I now owed {$43000.00} and an additional {$8500.00} was added for fees and costs. XXXX checks in the amounts of {$34000.00} and {$8800.00} were paid directly to the Department of Education for payment in full on these loans. These payment were received by The Department of Education and posted to my account on XXXX XXXX, XXXX. Since the loan was in dispute and I had correspondence proving this, I should have been given 60 days from XXXX XXXX, XXXX. Also, since I paid the entire amount owed to the Department of Education, I thought this matter was closed but am now being asked to pay more money for a collection notice dated XXXX XXXX, XXXX and received XXXX XXXX, XXXX both of which occurred after the checks had already been cleared and received by the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There was a fraudulent account opened with XXXX XXXX without my knowledge. I was able to get the account closed and removed, but I was not able to get the hard inquiry removed. I tried to dispute the inquiry with both XXXX XXXX and with the bureaus, but the claimed they could not remove it and it would just " fall off. '' Not sure what else to do, but I don't want to wait until it falls off.

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 12-11-2016 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have no recollection of any medical bills unpaid by me, I have not been to a doctor in over 2 years. I have not received XXXX phone call, letter, or email. I think this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: his is a request for intervention due to a wrongful foreclosure initiated on the first Tuesday of XXXX 2016 by HSBC Mortgage Services Inc. at the XXXX XXXX court house steps with said property XXXX Georgia XXXX. Previous to this wrongful foreclosure action on the subject property, I was assigned to XXXX XXXX, Housing Counselor with Home Safe Georgia to negotiate a loan modification or principal reduction with HSBC Mortgage Services , Inc. He requested the following information to complete the modification application : Profit and Loss Statement ; Recent 2 Months of Personal Bank Statements ; Tax Transcripts for Personal and Business for XXXX ; During this period, I truly believed that I was under HAMP review and HSBC Mortgage Services never sent me any denial notice for my HAMP prior to the wrongful foreclosure against the subject property. HSBC Mortgage Services Inc. failed to adhere to the Single Point of Contact policy in order to find out the time frame in evaluating a HAMP Loan Modification application. Moreover, I was assured by Home Safe Georgia that they have contacts at many of the banks in order to execute an amenable mortgage workout. I have attached Home Safe Georgia email communication to me for your review. HSBC violated CFPB rules against dual tracking, initiating foreclosure while negotiating a loan modification. 
Sincerely, XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Landlord cash my last check before I broke my lease and still put my account in collection spoke with collection agency who does n't want to remove this from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was not properly or reasonably protected by Equifax and was subject to the recent data breach they are involved in.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2015 about Bank account or service (Cashing a check without an account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: I had a bank account with Wells Fargo for about 4 months that ended XX/XX/XXXX, due to a check that was issued from an account I had at XXXX XXXX XXXX that was being closed sent directly from XXXX XXXX XXXX to Wells Fargo, never was I notified about this check. The Wells Fargo Account was closed because they said that said check boucnced and they have XXXX tolerance for this kind of thing. I went to a branch in XXXX Texas and withdrew the entirety of my funds left in my account and was told by the banker that it was closed. This was on the XXXX of XXXX. 
I receive XXXX and SSI Payments from Social Security every month. I had my DD going to my wells Fargo account, and was in a bind at this point because all of my accounts had been closed. I tried to get another bank account but found out that Wells Fargo or XXXX XXXX XXXX put my name on a list with a company named XXXX, and I was unable to open a bank account anywhere to have my SS payments for XX/XX/XXXX go to. Finally at the last moment a friend allowed me to use his account and I set it up with Social Security, but it was already too late. They told me the funds were still going to be deposited into the Wells Fargo Account. I contacted Wells Fargo and they told me that it would take XXXX business days for the funds to be returned to the depositor after being rejected from a closed account. So I waited and still no funds in the new account with my friend and SS stating that they had been deposited. I called Wells Fargo back and this time they told me that the funds should have immediately been sent back to the depositor because the account was closed and that was the law. But they did not see any DD go into my closed account at all as of that time, which was now the XXXX of XXXX. 
My checks are lost. I believe that Wells Fargo has them and would like them to release me my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Checking or savings account (Savings account) with ASSOCIATED BANK, NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: The issue relates to the complaint : XXXX I tried to log in into my online account today and the message I received that the account has been disabled for a security reasons. When I spent over 25 minutes getting the account unlocked including one time when the CSR 's informed me that the account has been unlocked. Unfortunately the explanation given was that it was " other security dept '' that overrode CSR decision therefore my online account access is still disabled. I have logged in numerous times before with the same ID and password and never had the issue such as this and it appears that account freezing is a retaliatory measure for filing a complaint with the CFPB. 
Questions : Why my online access was flagged to be disabled even when I entered a proper ID and password? 
Why the CSR has told me that the account was unlocked where in fact it was n't ( I did receive two email  messages confirming account lock out? 
What does it say for the culture at the bank that allows this type of retaliatory measure against a banking customer? 
When is my account going to be available for online banking? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (DC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Jefferson Capital System is reporting to all XXXX credit bureaus that I have an account with them which I do n't and that I made a payment to them which I did not which has now updated the account so that it does n't fall off. Is this legal?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I recently transferred a balance to Capital One and due to the fact that the balance transfer almost exceeded my credit card limit I asked for a credit limit increase and Capital One rejected my request. Their reason why they rejected my credit card limit increase was that my average monthly payment has been low. I feel that I am being mistreated and this level of unprofessionalism must be reported. I recently purchased airline tickets for about {$4300.00} and I paid that balance in full in XXXX. My FICO scores are ( XXXX XXXX -- -XXXX XXXX -- -- XXXX XXXX ). I have four Capital One credit cards with stellar payment history and I reject this level of reasoning from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: My credit report shows that this bank credit card account closed on XXXX XXXX, XXXX as part of a telephone conversation with a collection agency to settle the debt. They offered a payment of settlement and assured that the debt was be paid in full. I now see that it was n't and that this particular bank has also misstated inconsistent statements across a few reporting agencies. I have found that with XXXX they show that I made no payments from XXXX XXXX to XXXX XXXX, and my account magically went into good standing XXXX XXXX and up to XXXX XXXX, until I was " delinquent '' again and charged off XXXX XXXX. 

However with XXXX it shows that this account was closed XXXX XXXX ( consistent with settlement talks ), but the last payment received was XXXX XXXX. This is highly inconsistent with what they reported to XXXX. I am also wondering how payments and delinquencies can be made on a closed account dated before additional changes were made to the 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 non-monetary relief
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 have an account reporting on Experian that I am unfamiliar with. I have tried many times to get it resolved but have n't had any luck. I am hoping that your company could possibly help me. The account is SYNCB/CCDS that I am asking for validation from Experian who is reporting it. I just need help please

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