milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: In XX/XX/XXXX, I had a flat tire and drove up to a gas station to get air in my tire. I used my SunTrust debit card to pay {$1.00} for the air. After swiping I waited for the air pump to work and it never did after I waited for over 5 minutes then I swiped it again and still nothing. I noticed the next day when I checked my SunTrust account that my account was overdrawn by {$75.00} which was an unauthorized transaction made on my debit card. I contacted SunTrust Bank the same day to advise them that the {$75.00} charge was nothing that I had done, this was an unauthorized charge and I began the dispute process with SunTrust Bank immediately. I have completed every step SunTrust has requested in trying to resolve this matter and get my money back to no avail. In the process of this dispute period SunTrust left my account in the negative and closed it as if I had done something wrong, never giving me an answer as to why my money was'nt given back and why the account was closed as well as asking me to pay the negative to bring the account current when I did not overdraw the account. This was fraud and I am being treated as though I am the criminal. Lastly, they have placed this fraudulent negative balance on my credit report. Please help me get this situation resolved and corrected. 
Thank you

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 10-06-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have supplied several times forms to delete XXXX from my account. However, Due to the investigation process either Equi-Fax does n't respond or simply leaves the information on the report causing my score to be low and I eventually lose opportunities to purchase a house or car

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Closing/Cancelling account

Complaint: I had a family death of my mother and she is in XXXX. My family in XXXX does not know how to take care of her so I had to do everything. Around this time we are having difficulties controlling our finances and business. We talked to AMEX and they told me after financial review that once I pay off the whole balance my cards would be reinstated. Instead 3 weeks later I still see it as cancelled. Please help me reinstate it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/16 I contacted the claims department at Bank of America and gave information on a {$60.00} charge from XXXX and requested that it be reversed. Quibids offered to sign me up for a membership but said nothing about the {$60.00} charge I later discovered on my debit card, which over-drafted my account by {$25.00} and incurred XXXX {$35.00} overdraft fees. After calling the claims department, someone erroneously transferred me to the fraud department and after over 45 minutes on hold, the gentleman there insisted on cancelling my card, and it took another 20 minutes to have the card reinstated. Once I finally got to speak to someone in claims, an associate named XXXX argued with me about XXXX having a no-refund policy and how Bank of America could not reverse the charge if this was the case. From the beginning I stated that the claim was about whether I had given XXXX permission to charge my debit card, not whether the company would refund me the {$60.00}. To make matters worse, Bank of America insists on treating the claim like a fraud case, which routinely take 10 business days to investigate. I spoke to a claims supervisor by the name of XXXX and explained that my account carries a negative balance because of the charge and in the meantime I must purchase food and medicine ; however, since they insist on treating my claim as fraudulent activity, they will only offer temporary credits which expire within 24hrs while they take 10 days to investigate my claim. Since I previously suffered fraudulent use of my card last year, I am familiar with such procedures, and I remember having to call the bank on each day of the investigation and request ( beg ) for the temporary credit that I knew would expire that evening at midnight. I did this for XXXX days. By XXXX this evening there will be XXXX additional overdraft fees for each pending transaction, even though only XXXX of the transactions caused the overdraft. There is nothing to investigate as many consumers ( according to Consumer Affairs and XXXX have had the same problem : XXXX and XXXX. XXXX charging me without my consent was bad enough, what Bank of America has done is worse.

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NH).
Issue: Problem with fraud alerts or security freezes

Complaint: Due to the Security Breach with EQUIFAX, I inquired with EQUIFAX is I am one of the consumers at risk, EQUIFAX stated there is that possibility, so I Immediately Contacted the 3 Major Credit Reporting Bureaus Individually to place a FREEZE on my account with each Credit Reporting Bureau. I am a New Hampshire resident therefore the charge is 10.00 per Credit Bureau, XXXX processed my request and has sent me written confirmation that my Credit Bureau Information has a Freeze, XXXX  has sent me written confirmation that my Credit Bureau Information has a freeze, both were processed immediately. HOWEVER EQUIFAX were the Security Breech began HAS NOT processed my request to FREEZE my credit bureau account, instead they offered me a free Credit Monitoring Service, I do not want a credit monitoring service, I want my consumer right of placing a FREEZE on my Credit Bureau account since my information may have been compromised. This is extremely troublesome that the Credit Bureau where the security breach occurred is the only Credit Bureau that has NOT granted my request. 
Please Advise my next steps of action I can take to secure my personal information with EQUIFAX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC).
Issue: Other transaction issues

Complaint: On XX/XX/2015 at XXXX i sent a money gram of XXXX to XXXX XXXX . When the person that was suppose to recieve the money went to pick it up, she was told she could not do so because her name is on some federal govermnent list that prevents money gram from doing business with her. She was advised that she would need to return with more information to to identify herself. She then notified me that she had been denied receipt of the money that i had sent to assist with a family menber funeral. I then called and was given the run around stating that she need to return with more identifiation in order to collect this money, and was given a number for the agent there in XXXX to call in order for a money gram agent here in america to call her back. All of that was done and still the money was not released to her saying that money gram still needed more info but not able to tell her what more they needed. I then called Money Gram for the second time and at that time requested that my money be refunded to me since i was the one that sent the money to her. The money gram agent told me she could not give me back my own money cause this lady name is suppose to be on some Federal Government List. As a result i have not been refunded my money and they are still refusing to release the funds to whome i sent it to. Iam not a rich woman therefore i can not afford for Money Gram to not refund me my mone back.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I do n't want it it keeps taking " test " an taking it out of my  XXXX  bank I wan na close all of it I do n't need it and it 's  XXXX  stupid

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I signed a loan with Nissan Motors. I have not had a problem with this loan until recently. Unfortunately i had a total loss. However i was smart and purchased GAP. Since XXXX/XXXX/15 ive been trying to work with NIssan to get the loan taken care of. I have paid my account like always and i have been working with GAP to get their check issued out for the loan. This has been stressful. I have spoken to several customer service representative and customer relations and have been hung up on told different answers, have been talked to in a poor manner tranfered back into the call que. Also i have filed a XXXX complaint but the coropartion has failed to respond or do anything or even acknowledge the complaint. I have been trying to get copies of the warranty cancellation policy checks so i can sent to GAp so they can redo their portion due to the fact they under estimate what i would get back on the poiicies. I have called daily trying to get it resolved no one has helped and they are very rude. I think its sad that they cant even respond to a XXXX complaint. In the mean time another month has passed and i am now due for a payment when GAP has been trying to pay but due to the negligence of NIssan i am forced to pay even thoughi havent had to car in two months and im trying to resolve the issue. I just need some help i feel discouraged and stressed out.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: On X/XX/18 I called Experian to cancel a credit monitoring service I do not recall signing up for that charges me $ XXXX/month. I only recall accepting free credit monitoring as a result of breaches. When you choose the option in the phone IVR to cancel the wait time, regardless of when you call, is greater than 45 minutes. When you select any other options you are answered instantly. I spoke with someone from one of the other options and I believe they called what I was being charged for " MaxProtect ''. 

My complaint is that Experian is clearly making it difficult to cancel. No option is given to cancel online or any other means other than calling and holding for 1 hour.

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 03-02-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been requesting a complete payment history from XXXX and they refuse to provide me with a copy of a complete payment history if these is no payment history how can they validate a debt so I am question the validity of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Other

Complaint: Requested a validation of all account level information, and the company can not provide this information. They have not been able to provide any of the requested information and have made no attempt to provide the information to me. I have an increasing balance and charges on a closed account that are not explainable as well as other issues as being requested in the entire validation of the entire account from opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2017 about Mortgage (Other mortgage) with Ditech Financial LLC (OH).
Issue: Settlement process and costs

Complaint: Good morning. I 'm trying to settle my home loan with Ditech. My home has been listed on the market for over a year. I finally found a buyer who is offering {$18000.00} CASH to purchase the home. It 's a mobile home in a park. Unfortunately, I 'm underwater on my loan. I owe {$29000.00} and have been paying on the loan for 17 YEARS and am current on the loan. I just want to sell it and get out of the mobile home park. At first, Ditech told me to do a short sale application, which I did. That was denied because they do n't do short sales on mobile homes in parks. That was run-around # 1. So I was instructed by Ditech to do a settlement letter, simply saying I request Ditech accept {$17000.00} as full settlement. I completed the settlement letter as instructed. I wait only to be told shortly later that the settlement was denied because they want more money and that my settlement letter provided no details. Run-around # 2. I told them their rep said to provide no additional information, only that I was requesting settlement. Too bad, Ditech said. So my buyer increased her offer to {$18000.00} cash and I resubmit the settlement letter with the higher amount plus the additional info I was asked to provide, i.e., why am I moving/selling the home, when will they get the money ... So I submit the offer and wait again. Throughout this process, I 'm told the hierarchy of Ditech, which seems to morph each time so I 'm never really sure how the application is being reviewed. I 'm also told by different reps that my settlement will be accepted because they 've accepted other settlements on accounts owing more with greater deficiencies for loans that have been owned for less time. I called yesterday ( XX/XX/2017 ) to check on the status and was told the settlement was denied again. No reason is provided other than they are n't obligated to accept any amount less than what is owed. This time I 'm told to file an appeal ( why was n't I told about this appeal process before? ). Meet run-around # 3. Again, no guidance, just submit another letter and caption it " appealing denial ''. I faxed the appeal letter yesterday. Clearly, I 'm being strung along and will most likely lose my one and only buyer. Any assistance and guidance you can provide will be appreciated. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I XXXX XXXX XXXX XXXX and the majority of my clients pay by credit card. This money goes into my account the next day - after XXXX. Between the hours of XXXX XXXX and XXXX, transactions for the day will be processed.

If the total number of transactions are greater than the balance that is in my account at XXXX XXXX, Chase will deduct the highest amounts first resulting in multiple overdraft fees. For example, at XXXX XXXX last night the balance in my account was {$340.00}. Between XXXX XXXX and XXXX 5 transactions were processed. The amounts were as follows : {$34.00} {$44.00} {$56.00} {$74.00} {$380.00} This totals {$590.00}. Chase deducted the {$380.00} amount first which overdrew the account. They paid all of these because history shows that with my merchant account deposits after XXXX, the money would be there literally in minutes. ( after these were processed my merchant deposit hit in the amount of {$1300.00} - plenty to cover the transactions ) Had they deducted the smaller amounts first, the only item that would have made the account go into the negative was the {$380.00}. But, because they have the right to deduct the money however they see fit this will cost me {$170.00}, not {$34.00}.

Just because they have the right to do something does n't make it the right thing to do! I have complained numerous times to Chase about this, and the local staff is sympathetic, but there is nothing they can do.

This policy - and ALL banks do it - is killing the XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/20/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen is not complying with the Ocwen National Servicing Agreement and the National Mortgage Settlement. Ocwen is relying on a fabricated document to conduct a foreclosure sale. The mortgage transfer filed in XXXX XXXX was filed by a known robo-signer, XXXX XXXX. According to the National Settlement website, " The consent order addresses Ocwen 's misconduct during the mortgage servicing process. It also covers XXXX companies previously purchased by Ocwen, Litton Loan Servicing LP ( " Litton '' ) and Homeward Residential Holdings LLC ( previously known as American Home Mortgage Servicing, Inc. or AHMSI ). Ocwen must also pay XXXX to the nearly XXXX Ocwen, Litton, and Homeward borrowers who have already been foreclosed upon and Ocwen must adhere to significant new homeowner protections. 
The consent order requires that Ocwen follow the servicing standards set up by the XXXX National Mortgage Settlement ( NMS ) with the XXXX largest banks. Ocwen 's compliance with this settlement will be monitored by the same professional monitoring team currently in charge of enforcing the NMS, led by former North Carolina Banking Commissioner XXXX XXXX. '' According to the United States Department of Justice News Release, " The court documents filed today also provide detailed new servicing standards that the mortgage servicers will be required to implement. These standards will prevent foreclosure abuses of the past, such as robo-signing, improper documentation and lost paperwork, and create new consumer protections. The new standards provide for strict oversight of foreclosure processing, including third-party vendors, and new requirements to undertake pre-filing reviews of certain documents filed in bankruptcy court. The new servicing standards make foreclosure a last resort by requiring servicers to evaluate homeowners for other loss mitigation options first. Servicers will be restricted from foreclosing while the homeowner is being considered for a loan modification. The new standards also include procedures and timelines for reviewing loan modification applications and give homeowners the right to appeal denials. Servicers will also be required to create a single point of contact for borrowers seeking information about their loans and maintain adequate staff to handle calls. '' Ocwen is continuing with the foreclosure abuses of the past by relying on this robo-signed document and by listing our home for foreclosure sale while it is being reviewed for a loan document. All documents have been received for the loan modification by Ocwen as of XXXX/XXXX/XXXX. Ocwen 's account analyst from the Consumer Ombudsman nor Ocwen 's legal attorney, XXXX XXXX are familiar with the new servicing standards or the Ocwen National Servicing Agreement and the National Mortgage Settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX2017 I, XXXX XXXX XXXX opened a CAPITAL ONE, Essential checking account. This account was opened while in XXXX XXXX, NY. 
* I have several individuals who owe money top me in the form of rent or borrowed money. The bank froze my account and i do not have the ability to or direct access to my funds. 

I spoke to their investigator and they said they suspected FRAUD and that the money orders were suspicious. 
All the money orders have been verified and the release of my funds has not occurred. 

Because i set up automatic draft with XXXX of my Vendors, I could only do a draft to the company which is slower that actually pulling the m, only from my debit card or getting a cashiers ' check. 

To Date the account was over {$5000.00} in deposits and that is a FELONY according to the IRS in regards to them MONEY LAUNDERING and WITHHOLDING my funds. 

I told the operator i would file a complaint, which I am doing now and if not resolved within 10 business days. I am Under DURESS!

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Student loan (Private student loan) with AES/PHEAA (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: On XXXX XXXX, XXXX, I lost my job. On XXXX XXXX, XXXX, I contacted American Educational Services and spoke with Representative ID XXXX and explained my situation, specifically that I had lost my job but wanted to see what I can do about my monthly payments. The representative stated I qualified for the MGRS repayment but was unable to give me specifics about the repayment plan, but indicated he would email me the information. I never received the email and contacted AES on XXXX XXXX, XXXX. Spoke with Representative ID XXXX who informed me the previous representative already submitted the application but I do not qualify because I already have the MGRS plan in the past. She stated the only other option is if I left my account go 31 days past due and then get a modified repayment plan. I advised the representative that this is not acceptable as it will negatively impact my credit. I was then transferred to a supervisor, ID XXXX, who indicated again I do not qualify for anything and in fact if my account went delinquent and they did a temporary modified repayment plan, after three months it is more likely than not that my monthly payments would increase from the current monthly repayment. Therefore, being unemployed, I have no options to repay my {$260.00} a month loan other than defaulting, hurting my credit, getting a three month temporary repayment plan and then ending up with higher monthly repayments than I have now.

Company response to consumer: Closed with explanation