milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On  XXXX / XXXX / 17  a deposit was made for  XXXX . The deposit is made monthly to cover the BBT mortgage. No notification at the time of deposit was received at the  XXXX   XXXX  on  XXXX   XXXX  indicating that the funds would be held due to an old computer system being used. I did not notice until later when looking at my online account that the funds were being held. This deposit always clears during the nightly cycle. As such all transactions during that time frame caused the account to be overdrawn. The account experienced overdrafts of {$180.00}, {$36.00}, {$100.00}, and {$140.00} totaling {$460.00}. When I spoke with the branch I was told by the rep  XXXX  that they consider these held funds when taking the fund off hold. meanwhile, the funds had been withdrawn from my husbands account on  XXXX . This allows the money to be available t o BBT yet  not in my account. Additionally they now earned Overdraft fees by not releasing the funds for a week when they had them on  XXXX . I called to ask that the OD fees be reversed and they said they would only give  XXXX  dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off a mortgage with Bank of America in full last week. When I called them yesterday regarding the {$910.00} and change balance in my escrow account I was informed that it was their policy to hold that money for 20 days in case there was any financial claim against the property for outstanding tax. I pointed out that the sale went through a title company who would not have issued title insurance if there were any outstanding claims against the property. I then suggested that if they were going to hold my money that maybe they should pay me interest on it, of course that was not an option, even though I pointed out that if I had {$910.00} of Bank of America 's money for 20 seconds let alone 20 days they would expect interest. They may have some legal loophole that allows them to do this but just because you can do something does n't mean you should. They are holding my money for no good reason other than they have found another way of ripping off the consumer.

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 05-03-2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do n't have any knowledge of this debt, nor was I provided with proof of such debt

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint: Re : Barclay Bank XXXX card : I wrote out a " 0 % '' cash advance check in the amount of {$6500.00} to an individual that turned out to be a fraudulent individual. The check was written out and handed to him on Friday, XXXX XXXX at XXXX XXXX I immediately called Barclay Bank to inquire if I could stop the check. I got right thru to a customer service agent in the U.S. He said that they could n't stop it as it had n't yet appeared on my account.but not to worry, that it would take 7 - 10 business days to clear and that I would have plenty of time to stop it the following week. I asked again, are you sure I can stop it? Not a problem, definitely would not clear before 7 - 10 business days. That Monday was a legal Holiday, XXXX XXXX, i could n't call on Tuesday because I was working. On Wednesday, XXXX XXXX - I spent 4 hours! I repeat 4 hours - trying to get thru to the credit card customer service. I even called XXXX XXXX and they connected me finally - completely panicked. I could no longer reach a customer service in the U.S. I was told the check already cleared and that there was nothing they could do to help me. These are the complaint records : XXXX, XXXX XXXX ( Agent ) and Barclay Card XXXX - ( Agent ) XXXX - Case # XXXX. I just googled Barclay Bank to see if I could reach the corporate office. I see the Breaking News that they are in the headlines for fraudulent practises.

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 02-04-2016 about Mortgage (Conventional fixed mortgage) with FIRST CONTINENTAL MORTGAGE LTD (TX).
Issue: Application, originator, mortgage broker

Complaint: My husband and I put an offer on a new construction home by XXXX. They have an affiliate lender Advisa Mortgage. I did a pre-qualification on their website while I was rate shopping to find out what their interest rate was. When we decided that they had the favorable loan term I did a joint loan application that included my husband 's information. 
Advisa Mortgage had sent loan document for me to sign based on the pre-qualification I had done. I initially refused to sign the documents because the application information on there was preliminary and not a complete picture of my debt situation. The Loan officer however sent me an email stating that by signing the documents I was not agreeing to what was on there I was just acknowledging that I got the documents and he needed it signed to unlock the loan record. So I signed. After he looked at our joint application he decided that our debt to income was too high for us to be able afford the house and to be approved. We told him that if that is the case then we do n't want the loan. We proceeded to tell the seller that our debt to income was too high and we ca n't get approved for the loan. Advisa proceeded to tell the seller that because most of the debts were in my husband 's name they can approve the loan if they take my husband off the loan and do the loan just in my name.they can approve it that way. The seller then stated that we would forfeit our earnest money if we do not get the loan that is just in my name as was being offered by Advisa. We feel like this is predatory lending on Advisa 's part because they clearly know that there is these debts that are in my husband 's name that I am still responsible for but they are forcing us to remove my husband from the loan as a way to hide my debts and approve a loan so they can get commission from the loan as well as collude with the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Medical) with Receivables Management Partners, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I called and cancelled my doctor appointment 24 hrs prior to my appointment. I called back and reschedule my XXXX test few weeks later. I showed up ang gone thru the procedure. I completely paid for the bills. Couple month later, I get new bill for no show for first appointment. I called the doctor office, told them I followed the procedure. XXXX XXXX credit collection refuse to remove the collection on my credit report. They reported a duplicate report and collections on my credit. I disputed both cases wit XXXX, the original dispute case number is ; XXXX and the duplicate case number # is XXXX. The collection are extremely rude and hostile. Both reports has the same amount and dates. How is that possible? Please help. Thanks. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying for a long time 10+ years, it seems i can pay off my car faster than a student loan. I see no end to this madness!

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (IL).
Issue: Problems when you are unable to pay

Complaint: My auto loan company started to call me at my place of employment, leaving messages on a shared voicemail, sending emails through my work email, making repeat phone calls through my work phone. When calling my work cell at no time do they ever mention 1. who they are 2.that they are debt collector, just their name and to call them. After getting repeat phones calls from the time I arrive at work until XXXX at night. XX/XX/XXXX I sent a email to the manager to stop harrassing me while I 'm working. i received his response on XX/XX/XXXX stating the he place the cease and desist on my account, as per my request and will be honoring the cease and desist going forward. However sin the last few months I have received over XXXX threatening calls/emailed combined on my work phone and shared email account. when i post my XX/XX/XXXX payment on line as requested by a letter i received in the mail that it must be paid by XX/XX/XXXX, immediate after it posted I received another threatening call telling me I 'm still not caught up. Please help me in this matter I 'm a XXXX and receiving all of these threatening calls and emails are causing a great deal of stress and try to do my job so that i will have monies to pay my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Sale of account

Complaint: I had a credit card with Washington Mutual Bank which was bought out by Chase Bank who then reissued the card with the Chase Bank Logo on it. In XXXX my husband became unemployed for 6 months and we had no income whatsoever. Chase bank refused to work with me and marked my account as a charge off. At that time there was a balance of approximately {$2000.00}. At current this debt shows on my credit reports with a balance of {$3500.00}. I would like to file damages under File No. XXXX In the Matter of : CHASE BANK, USA N.A. andCHASE BANKCARD SERVICES, INCFurther I would like to have this item removed from reporting on mine and my husbands credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX is reporting to be collecting on an alleged debt. Upon review of the Florida Office of Financial Regulation they are not licensed in the State of Florida. Supporting documents attached. Their license expired in 1997. How is this legal?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Medical) with Simon’s Agency, Inc (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Simons agency has also called numerous times to collect I assume from XXXX. I will upload the same documents showing I was divorced from a previous wife XXXX XXXX XXXX in XXXX ( Remarried in XXXX to XXXX XXXX XXXX along with medicaid id etc. My medicaid should have paid this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Hello, I received a letter on XXXX XXXX 2015 stating this account was delete from my credit report and now it 's reinserted again. The account is XXXX XXXX XXXX # XXXX. I have attached the letter from Equifax showing the account was removed. Also, I requested " Validation '' information on XXXX # XXXX and not " Verification '' and it was never presented and I have the cast number to provide. The request in CFPB system. In addition, this account over the status of limitation and Equifax has changed the dates which is against the Fair Credit Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am submitting this complaint about equifax as I have contacted them in regards to a dispute about incorrect information reporting on my credit report. Teacher 's XXXX XXXX XXXX is reporting as XXXX loans. This is incorrect as I only had XXXX loan with this bank. I contacted the XXXX XXXX XXXX as well and today I received a response from the XXXX that they have attempted to contact Teacher 's XXXX XXXX XXXX twice on my behalf but were unsucessful as XXXX did not respond to them and now the XXXX must close the case. To my understanding if a company/bank does not respond within the allowed time frame it is to be automatically deleted. I did not have XXXX loans with them only XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: As of XX/XX/XXXX, TransUnion is reporting on my credit report that I had a XXXX credit card from XX/XX/XXXX-XX/XX/XXXXthat is status " Charged Off ''. However, when I call XXXX, they confirm they have no record of me and that I have never had an account with them. I filed a " dispute '' with TransUnion but their investigation result is that the account status is " verified and accurate. '' XXXX did not have this account listed in XX/XX/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 08-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (KY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: This issue is regarding Chase Credit Cards online auto-payment management system. Unlike other credit card auto-payment management systems, which allow you to set-up a custom auto-pay amount, Chase limits you to choose between the minimum payment amount or the entire balance.
You can make an additional payment on top of your auto-payment, but this defeats the whole benefit of auto-pay to begin with. The benefit of auto-pay is to set-up an auto payment plan to payoff your card in a set amount of time, without having to log-in every time you want to make a payment, limiting chances of missing or late payments.
I believe Chase intentionally limits your auto-payment selection amount to force you to choose the minimum amount and then counting on you to forget to make additional payments, thus paying more interest on the card for a longer period of time in an effort to make up for lost revenue from late payment charges.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (CA).
Issue: Struggling to pay your loan

Complaint: In XX/XX/XXXX I was struggling to make rent and I got a letter from CashNet USA and applied for and recieved a {$2600.00} loan. I believed at the time that the re-payment would be {$210.00} a month, which was okay with me. However after I recieved the loan they began taking {$210.00} every two weeks from my bank account. I attempted at that time to call and try to set up a different payment schedule, because I knew that every two weeks would be too hard for me. I have managed to pay every month until now, I simply can not afford it anymore. I called again today to try to work something out where I could pay once a month. 

They refuse to offer any other options and when I call to speak with a collector they tell me that i CAN NOT speak with a manager or anyone above them. They are rude and threatening and bullying. How is it possible that there is no manager or anyone at all to speak with? I am not trying to get out of repayment, I am simply trying to figure out a schedule that works so that I'm not constantly going negative and in turn getting charged over and over by my bank. I cant live like this anymore it is destroying my life. 

Also, I have been paying this every two weeks since XX/XX/XXXX and not one of my payments has gone toward my balance, they are only going toward interest. Is this even legal? This was only a XXXX loan and they are making me pay back XXXX!! Is this legal? 

When I spoke to the woman today I asked why this doesnt show up on my credit report because it makes it look like scam and she said 'you should be happy its not on your credit report ''. I have now read many complaints online saying that this loan is a scam and that the APR rates are illegal. I don't know what to do and I am looking for help to find a solution. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was XXXX from XX/XX/XXXX until XX/XX/XXXX there was an account opened up with XXXX in my name that I did not authorize nor agree to. I have tried to explain several times to the collection agency that this is not my debt but they refuse to remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I had a pair of student loans that were being serviced by XXXX XXXX XXXX XXXX. The loans are currently in forbearance until the start of next year. A few months ago, the loans were transferred to Navient ( navient.com ) for servicing. Navient has split the XXXX loans into XXXX different loans, which I assume will increase my monthly payment significantly. I have been unable to get any response from Navient as to why this was done and if there has been an error.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a victim of identity theft and the person who stole my identity had used my social and had my credit ran to receive services. Detailed list includes the XXXX hard inquiry in which they got approved for services fraudulently is still on my credit report even though this was reported as fraud with my sheriff 's dept and an affidavit from FTC was submitted. This item is being used by someone in XXXX and the service address is showing XXXX. I live in XXXX and dont live in XXXX. Another one, XXXX XXXX, I dont have any credit cards and havent applied for any credit cards, and someone is applying every few months with XXXX XXXX, again, this is fraud and the credit reporting companies are refusing to remove this item. I have sent letters in writing with copies of my police report with XXXX County Sheriff # XXXX and my signed affidavit from the FTC has been submited to each company I have disputed with so these need to be removed. There are about XXXX accounts between the last year that this person used my social to obtain a hard credit inquiry for and also XXXX collections account from XXXX for XXXX that was confirmed fraud and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 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 information incorrect

Complaint: I have a couple of hard inquiries that I have been trying to have removed. I have tried multiple times. As well as an item on my accounts that is incrrect as well. These items are effecting my chances of getting and building any new credit. These items are incorrect and should no longer be on my reports Inquiries : XXXX  XXXX Account : XXXX XXXX XXXX XXXX Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL).
Issue: Fraud or scam

Complaint: XXXX money gram online. For deposit on embroidery machine. They cashed it and ran.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have contacted all credit bureaus and asked to have a public record which is my bankruptcy removed due to the new law dealing with Transunion and public records, I requested for the public record to be removed and that was 49 days ago!

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 09-08-2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: We just received our monthly statement dated XXXX XXXX, XXXX. It has been 61 days since we received our monthly statement which was dated on XXXX XXXX, XXXX. Our prior billing monthly statements were 15 days apart As a debt collector Ocwen Loan Servicing is not able to collect a debt until substantiation is provided. Failure to provide the information in 60 days is violation and requires enforcement. In leiu of the debt, Ocwen Loan Servicing needs to issue a cancellation. 

No one at Ocwen is willing to speak with us about our account and XXXX XXXX XXXX who is assigned to my account as noted on the XXXX XXXX, XXXX statement has not returned our repeated request for an explanation of the securitization, billing and revised escrow analysis of the account since XXXX XXXX, XXXX The Trustee XXXX XXXX ) that holds the loans is demanding the Mortgage Payment and Financial Records of the account. I 'm attaching a letter from the Trustee that holds this loan. Everyone is demanding answers. 
This loan has a balloon payment due in XXXX which is direct violation of the the CFPB consent Order

Company response to consumer: Closed with explanation