milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I received an electronic check from XXXX XXXX XXXX 's an echeck to be more up front from them it had JP morgan chase bank endorse on the check. I verify through there website several times chase would n't accept it they even called the police on me and told them I wrote ah bad check after going through two chase banks were I was totally disrespected and not even help once I was able to deposit the echeck it went through and it was returned ahead few days later saying that the account was closed and XXXX closed my account because of it I received ah substitute check from XXXX and nothing I can do with it because that account was closed after doing my research the check is still valid and I Have the person who name is on the account real name I want to know how is a closed account from chase still valid and I also want a refund

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 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: Basic Complaint : XXXX XXXX, XXXX Between XXXX, XXXX and XXXX, XXXX, my student loan increased by the amount of {$3.00}, XXXX. More specifically, according to Navient, the balance of this loan was {$30.00}, XXXX on XXXX XXXX, XXXX and by XXXX, XXXX, the same loan cited a balance of {$34.00}, XXXX. It is highly unusual for any student loan balance to have increased several XXXX dollars in less than six months. 
To date, there has been no explanation by Navient or XXXX XXXX on this matter. 
During several months, Navient did not report any type of accrued interest on this loan. 
However, in XXXX, XXXX, Navient processed the accrued interest even though I resided in a subsidized housing for the first time, and I had lost major employment due to our nation 's earlier recession. There is no specific logic for this loan balance increase. 
I am holding Navient accountable for processing my student loan with accuracy as well as consistency. As a result, I am requesting an immediate overview of the accounting processing of this loan to correct the issues cited above. 
Thank you for a prompt response. 
Attachments

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Student loan (Federal student loan servicing) with National Budget Planners of South Florida, Inc (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had a representative from National Budget Planners call me explaining that they could consolidate my loans if I pay a $ XXXX monthly payment every month with the implied purpose that that would be the lowest payment I could pay based on income. I initially paid a {$200.00} registration fee and since then I have been making {$40.00} payments for over 2 years. Recently I received a bill from XXXX XXXX and my loans were the exact same amount as two years ago! When I called and asked why this way, they said some third party has been receiving payments from me while they make sure I stay on an income-based payment plan, all of which I could do for free from XXXX XXXX. The National Budget Planners have been taking hundreds of dollars from me and not reducing any of my student loans, which was the their promise. They have renewed my yearly " service '' without my consent which I was also unaware that I had the option to renew the services or not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/19/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt of {$400.00} was paid off i n 2016 through the original company (   XXXX   XXXX   XXXX   ). I DO NOT HAVE ANY DEBT WITH THIS COMPANY ( EOS CCA ) NOR DO I HAVE ANY TYPE OF CONTRACT WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Although my FICO score is at or above XXXX, XXXX XXXX reporting agency caused my loan application for work vehicles to be denied two times by reporting a credit score of XXXX. Their online explanation reflects a different set of criteria used in developing the score, but lending institutions are either unaware of this difference or choose to not inform their staff. My credit report obtained from XXXX XXXX reflects zero late or missed payments and a minimum of debt to income, yet their low score is affecting my ability to operate my business in a competitive manner by reducing my lending options and most likely causing me to pay a higher interest rate than I should be paying. 
Something needs to be done to address this company presenting itself as a standard credit reporting agency when it is not.

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 05-07-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America was supposed to credit my mortgage for the excessive amount Bank of America charged me for the Homeowners Insurance Policy as Bank of America placed Lender Placed Insurance which was inflated as the policy was issued by XXXX XXXX and XXXX XXXX both subsidiaries of Bank Of America. Attached is the court order to pay me for the excessive charges Bank of America has charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: About 2 years, I went on a cruise with XXXX XXXX XXXX and made a purchase through the XXXX. I was advised by the XXXX that I could return the items upon receipt. When I received the products, there was nothing included within the package related to what was shipped or return instructions. I contacted XXXX XXXX XXXX multiple times and was advised I would receive a call back once the information was gathered. 

After 6 months of attempting to return the products, I contacted XXXX XXXX ( my credit card ) and put the charge into dispute. XXXX XXXX conducted an investigation and contacted XXXX XXXX XXXX. XXXX XXXX did not receive satisfactory evidence from XXXX XXXX XXXX - in fact XXXX XXXX XXXX never responded to XXXX XXXX. As a result, XXXX XXXX credited my XXXX XXXX account for the {$1200.00}. 

About a year after XXXX XXXX credited my account, XXXX XXXX XXXX placed the account for the {$1200.00} with a collection agency. I have attempted to address this matter with the collection agencies multiple times and have even had to go the route of Cease and Desist contacting me. XXXX XXXX XXXX just re-assigns the account to another collection agency. Today I was contacted by Caine and Weiner on behalf of XXXX XXXX XXXX and was harrassed and accused of keeping goods where I did n't pay for services. My communications were not well received and I was treated as if I was a criminal.

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

Complaint: The following information on my credit report is fraudulent. I have no knowledge of these hard inquires on my report. 
1. XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX I will appreciate if these inquiries be remove from my credit report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The following loans pasted below are not late and have never been late. I have been a continuous college student since XXXX and XXXX forward to present. All my student loans are deferred in an IBR ( Income Based Repayment ). XXXX sent mail to an old address when I did update them and whoever the customer service rep was at the time did not update the address. I am requesting all 90 day and 120 day late and all late to be removed from the XXXX accounts. XXXX is not telling the truth and may be reporting inaccuracies on my credit due to XXXX discrimination because I am a person of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX store card closed my account on XX/XX/XXXX so I was told from a representative .After making a purchase on XX/XX/XXXX for a roll of XXXX XXXX toilet paper. The account is current and not in default. I am paying on time but now it will affect my credit score by closing my account. The bank has other accounts under my name that in good standard and I do n't understand why they closed my account without a notice.

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 04-06-2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hi there! 
I have been battling with the XXXX credit reporting bureaus since last XX/XX/XXXX. I discovered I had been assessed a tax lien in error ( the lien was for a car that was a gift, but I forgot to check the " gift '' box on the title transfer, this the state [ Ohio ] assessed me the tax value ) but I worked with the Ohio Attorney General 's Office and they gave me a lien release letter that I sent on to the XXXX County Clerk of Courts. The lien is removed but should not have been assessed in the first place. I worked with XXXX and XXXX and when I submitted my disputes and paperwork they completely removed the lien from my credit report, but Equifax refuses to remove the lien and just shows that is " reporting correctly '' as being paid in full. This is negatively effecting my credit score and was not my fault in the first place at all.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Medical debt) with Debt Management Incorporated (RI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Leave messages to find out why this is on my credit report and there is only a VM, no response back. This debt was paid and should not be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (CO).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: XXXX XXXX XXXX ( loan company ) and XXXX XXXX ( seller ) both claim the other has to change the due date, which is necessary because I continue to receive the my pay check by actual check on the day the loan as due. If the check comes in late, which it frequently does, the check does not clear until the next business day. 

The Loan company charges extra for payments on their website without bill pay XXXX XXXX, first claimed they could extend the due date every six months but not change the date. They claimed the seller could, the seller claims they could. I made this call on the XX/XX/XXXX. 

They extended it until this month and called before XXXX XXXX local today to complain that I had not made the payment. Now they will only extend it to XX/XX/XXXX. And after that they will do it only month by month. 

And continue to call before XXXX XXXX local

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 04-04-2017 about Payday loan () with Omni Financial Group, Inc (CA).
Issue: Payment to acct not credited

Complaint: I had a loan with Omni while I was XXXX at XXXX back in XX/XX/2010. When I went into the office to let them know that my allotment was accidently deleted, and that when I started it back up, it may or may not post by the due date. Once I realized the payment never came out, I went into the office to make the payment. They told me it wouldnt be an issue. I later realized they dinged me with a 30 day late payment, and I have been fighting them ever since to remove the 30 day late remark. I made every payment on time with no issue, and it has been 7 years since that account was paid in full. I have tried numerous of times to get this account resolved, with no help from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 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: Branch Banking and Trust, aka BB & T  I spoke with a representative  XXXX     2017. The repres entative walked me through online how to OPT OUT of overdraft. I trusted the bank representative gave me the correct information. She in fact gave me incorrect information. Due to the misinformation I received, I received    XXXX   ov erdraft fees totaling {$72.00} on  XXXX / XXXX /   2017. I   contacted the bank ; a representative said they could try to pull the calls but because there were so many calls during that time period, they  may  not be able to review all of them. They could n't promise me a resolution. As I received a refund in  XXXX   ( admittedly my fault )  they " ca n't '' honor additional refunds for 24 months from the first refund in  XXXX . The bottom line is the banks employee gave me incorrect information which caused the overdraft fees. Currently waiting for a follow up call from the  manager  with the research, if anything.

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 09/30/2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I do n't agree with the fees XXXX XXXX is charging to make payments for student loans. The following is copy and pasted from their site on fees for payment : -- -- -- " ONE-TIME OR RECURRING PAYMENT USING YOUR CREDIT CARD. 
A fee of 3.95 % of your payment amount and {$1.00} for One time payment will be added. 
A fee of 3.95 % of your payment amount and {$1.00} for Recurring payment will be added. 

ONE-TIME OR RECURRING PAYMENT USING YOUR DEBIT CARD. 
A fee of 3.95 % of your payment amount and {$1.00} for One time payment will be added. 
A fee of 3.95 % of your payment amount and {$1.00} for Recurring payment will be added. 

ONE-TIME PAYMENT USING CHECKING OR SAVINGS ACCOUNT. 
A fee of {$1.00} will be added. 

All applicable fees will be displayed after you enter your payment information. You will have the ability to review any applicable service fee before you submit your payment. 

You also have several fee-free payment options : RECURRING PAYMENT USING CHECKING OR SAVINGS ACCOUNT. 
No service fees are applicable when setting up recurring payments using your checking or savings account. 

MAIL CHECK OR MONEY ORDER. 
Make your check or money order payable to your school and mail your payment to : XXXX XXXX, Attention : XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. Be sure to include your Heartland Account in the memo section of your check or money order. 

THIRD-PARTY BILL PAYMENT SERVICE. 
You may use your banking institutions bill payment service or a third-party bill payment service. Please note that while there is no payment fee charged by XXXX XXXX, your bank or the third-party bill pay service may charge a fee to submit the payment on your behalf. '' -- -- -- Based on their fee list, the only plausible recourse for making a payment without incurring cost on the part of the borrower would be to enroll into their autopay system, as having checks printed cost money and so does postage. 

The fact that a fee is charged for a using a checking or savings account to simply make a payment is ridiculous. Never have I encountered such a fee. It is simply consumer unfriendly. 

Then, insult to injury, if the borrower is on a quarterly payment system, setting up autopay is not possible online. The borrower has to call them during their business hours and days : -- -- - " IMPORTANT MESSAGE FOR BORROWERS ON A QUARTERLY REPAYMENT SCHEDULE. 
Please note that recurring payments are drawn on a monthly basis. If you are on a quarterly repayment schedule and wish to set up recurring payments that would draw from your account on a quarterly basis, you will need to contact Customer Service at XXXX "

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (Other debt) with Capstone Credit & Collection, LLC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I initially disputed this debt with the credit bureaus back in XXXX XXXX, with the results being that the account was verified as being mine. I have since sent the collection agency request for debt validation to the fax number that has been provide by them, however they repeatedly say they did n't get the faxes though the faxes state they were successfully transmitted. I have spoken with a representative at this collection agency and was advised of the company they were collecting on the behalf of. I contacted the company that is listed as the Original Creditor that this collection is " supposedly '' collecting on the behalf of and they do n't have any information in their systems for me nor that I ever had an account with them in any way. I was advised by XXXX at Capstone that they were collecting on behalf of a property management  company by the name of XXXX, after doing extensive research and placing calls to the company that I did find with this name, they have never been affiliated with anyone " supposedly involved '' with this account, not Capstone Credit & Collections nor River Oaks Apartments. In fact, Florida is a state in which companies must be registered and licensed, and the XXXX company I pulled up is not " licensed '' and is not active. 

I have sent them this information and they continue to report this account to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Mortgage (Other type of mortgage) with BAYVIEW LOAN SERVICING, LLC (CO).
Issue: Struggling to pay mortgage

Complaint: No resolution to the following complaint that had been filed. 


LOAN NUMBER : XXXX BLS CASE NUMBER : XXXX REG CASE  NUMBER : XXXX I truly feel hopeless I have been dealing with Bayview Loan Servicing for several months, in hopes of a response to my many settlement requests for a charged off loan. They never gave me a response. Bayview is notorious for mishandling documents. I am not convinced that this regulatory agency are not aware of the many complaints against Bayview Loan Servicing. My question is, why the government have not taken actions against Bayview and its affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Closing/Cancelling account

Complaint: Capital One closed XXXX of my credit card accounts which were all in good standing/ XXXX with XXXX balances. After condescendingly shuffling me from XXXX rep to next, they firmly stated there was nothing they could do and the card was closed for spending inconsistent to what 's expected. Seriously? I charged a XXXX item. They yanked XXXX in credit, which consequently destroyed my credit score by shattering my utilization! My score dropped nearly XXXX points. I was in the middle of applying for a refi on my house. Done. No one will even consider extending credit to me now thanks to this injustice! I asked them nicely if they could lower my interest rate since they destroyed any chances I will have at obtaining a consolidation loan. They denied this to me. I never once made a late payment to Capital One. They have destroyed my financial future by this unjustified action of which they treat me like a criminal over the phone. I am absolutely distraught over this. I recently changed careers due to health issues and this is further complicating my life!

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Billing disputes

Complaint: I have recently had a problem with my XXXX credit card. Today i received a call from a collection agency about my XXXX card. I have received no notice of this from XXXX themselves. i was just hit with a phone call that my account has been sent to a collection agency. What shocks me even more is that it was for the Amount of XXXX. I was shocked at this phone call so i called XXXX in order to better understand the situation and all i received from the representative was that i had to pay the amount, and that nothing could be done about the fees!!!! I did n't even realize i owed money to XXXX, and i was NEVER contacted by them.

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