milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-10-2016 about Bank account or service (Other bank product/service) with BANCORPSOUTH BANK (MS).
Issue: Account opening, closing, or management

Complaint: We are requesting a federal investigation of BancorpSouth Bank in Mississippi. XXXX XXXX and XXXX XXXX XXXX purchased a home, financed by BancorpSouth in XXXX, MS XX/XX/XXXX and were informed during the closing that they were purchasing mortgage protection also. When the application was received in the mail XX/XX/XXXX, XXXX XXXX completed this application and submitted it to Bancorp South because BancorpSouth 's name was listed on the application. This application was taken to Bancorp South. Although, BancorpSouth now states that this is not their application, XXXX and XXXX XXXX never received notice from BancorpSouth that this was not BancorpSouth 's application after he returned it to them in person. XXXX XXXX passed away in XXXX XXXX, and his wife and daughter, XXXX XXXX and XXXX XXXX, contacted the bank, who financed the mortgage and mortgage protection. The bank claims that the application is not their application, although they accepted it from XXXX XXXX in XX/XX/XXXX. It was also XXXX and XXXX XXXX 's understanding that the amount was included in their mortgage, which was deducted monthly from the XXXX bank account. The contact person is XXXX XXXX at BancorpSouth. Her telephone number is XXXX and her email address is XXXXXXXXXXXX. 

We sent a letter to BancorpSouth Bank on XXXX XXXX, XXXX, and BancorpSouth Bank 's attorney waited until the statute of limitations had run to respond to the letter on XXXX XXXX, XXXX. Although this was a very heartless and conniving move, we are requesting a full investigation in their handling of this matter. 

The estate of XXXX XXXX feels they are being discriminated against because they are XXXX and are being taken advantage of by BancorpSouth. Bancorp South is also refusing to produce documents regarding XXXX XXXX 's accounts, which indicate they have something to hide by withholding information. XXXX Strong, the attorney at BancorpSouth is stating that entering XXXX and XXXX XXXX social security numbers and obtaining their account information is " unreasonable and unduly burdensome. '' This is a ridiculous excuse. XXXX XXXX is requesting this information on her behalf and on behalf of the estate, and it should be sent to her. XXXX XXXX is ignoring the fact that XXXX XXXX served in the XXXX XXXX ; and since his death, his wife had to get a full-time job in her late XXXX 's, although she never worked a day in her life. She is also the administrator of the estate of XXXX XXXX. It is obvious that BancorpSouth has been mistreating and discriminating against XXXX, as they were fined XXXX dollars last month due to their unfair actions when banking and giving mortgages. See Consumer Financial Protection Bureau v. BancorpSouth Bank in XXXX, XXXX of XXXX , XXXX Division.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Student loan (Non-federal student loan) with MOHELA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan was serviced by XXXX XXXX and transferred to Mohela in XXXX 2015. My history of loan shows shocking info such as eight and five months period where my balance does not change despite a faithful monthly payments! XXXX has been ignoring my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Taking out the loan or lease

Complaint: I am an owner of 2012 XXXX XXXX XXXX in great condition with approximately XXXX miles. The vehicle has XXXX open recalls that I have been waiting to have fixed for over 18 months. I recently sought to purchase a new vehicle and was told by XXXX separate national dealers ( XXXX and XXXX ) that my vehicle is ineligible for trade in due to the open recalls. Chrysler does not have an anticipated time frame for when the parts will be available in order to correct the problem. Meanwhile, I am unable to utilize the value of my vehicle to have it applied to the purchase of a new vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Reviewed my  XXXX  credit report dated  XXXX   XXXX ,   XXXX   and  Portfolio Recovery Associates  ( PRC ) reports an original balance due of {$850.00} : 1. I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to PRC is being disputed by me.   2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.   3. Further, PRC has never produced original signed chain of assignment ( if applicable ) and/or any credible detailed evidence and/or circumstances that resulted in such an original balance due to me.   4. This information erroneously appears on all  (   XXXX   )  credit reporting agencies and I have asked  XXXX  to dispute such claims with no response from PRC.   5. As such, all such information should be deleted from all  (   XXXX  ) credit reporting agencies.    XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2017 about Credit reporting () with Diversified Consultants, Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had a 2 yr internet contract with XXXX XXXX XXXX XXXX for $ XXXX ona 24 month contract that began XX/XX/XXXX. I moved from the residence due to a separation from my wife and she moved also. I had a XXXX phone to accomodate the internet service and had it disconnected when I moved out per my request to XXXX XXXX XXXX. The Service provider continued to bill a closed account up until XX/XX/XXXX which over 1 yr and 4 months of an expired contract. This is the 3rd time this account has been added back to my credit report and it is in violation of The Federal Credit Reporting Act. XXXX different collection companies have had the account and when I spoke with Supervisor XXXX XXXX of Diversified Consultants Inc over 1 month ago I requested a copy of the contract that XXXX XXXX XXXX had provided to his firm concerning me. There was not one on file and he promised I would get it within 30 days. Per our conversation yesterday he will not provide a copy of the contract and XXXX XXXX XXXX is requesting a Written Distpute from me in which they already have a copy from XXXX. I am a XXXX Alabama XXXX and this error on my credit report hinders my Company 's ability to obtain Floor Plan Financing to purchase Inventory for my Car Lot and also make my Surety Bond higher. I need this item removed from my XXXX and XXXX Credit Report Immediately. I am presently trying to enter into a lease Purchase for a XXXX acre and XXXX sq ft building to Start a XXXX, XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have had told  Midland  funding to stop calling my cell phone and provided a home number and I receiving calls from them on my cell phone. I finally called them back  XXXX  and told the guy the phone number he is calling a  Cease and Desist  number. He continued to talk and I hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I have written Notarized letters to Diversified Consultants along with many calls to them and XXXX. I explained I was a victim of ID Theft and provided documentation from police reports to whatever I had and to no avail they have not taken this off my report on XXXX yet. they have no documentation whatsoever and are lying to bureaus to try and collect a fraudelant debt. 
the amount they say I owe is {$2500.00} it says open XXXX/XXXX/XXXX I will attach documents to support this to you all. thanks for your help. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CO).
Issue: Managing the loan or lease

Complaint: Summary statement : I signed up for automatic online payments with Synchrony Bank, but Synchrony did not initiate the automatic payments resulting in late fees. Facts with attachments : I entered into a 2 year consumer loan with Synchrony Bank to finance a google pixel phone. I scheduled reoccurring automatic payments twice. Payments were to begin XX/XX/2017. I set up automatic payment on XX/XX/XXXX ( attached ). The first automatic payment did not occur and I received a late fee and notice on XX/XX/XXXX ( attached ) and a late fee on XX/XX/2017 for {$27.00}. After calling the bank, they said that they saw that the payment was scheduled but would take a month to go into effect.I made the payment on XX/XX/XXXX, and they said that they were going to remove my late fee but they did not do so ( attached ). I changed my payment amount over the phone to a higher dollar amount ( about XXXX ) so that I could pay off the loan in under a year. I made a payment over the phone on XX/XX/2017. I was also charged {$14.00} for an unknown reason and then the charge was removed, both on XX/XX/2017 ( attached ). A representative assured me over the phone that my reoccurring payments would go into effect for XX/XX/XXXX. On XX/XX/XXXX, I received a normal statement : the payment was due on XX/XX/2017 for {$66.00} I made the payment on XX/XX/XXXX, and they removed the {$26.00} late fee ( attached ). On XX/XX/2017, I paid XXXX through the automatic payment system, and then the payment was removed via 'payment correction ' and I was given a late fee for {$38.00} ( attached ). I had enough money to cover the payment ( attached ) and there was no indication that Synchrony tried to charge the money through the automatic payment. My prior payment on XX/XX/2017 came out of the same account without trouble ( attached ).

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (KY).
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: On XX/XX/XXXX was denied credit from Chase for a business credit card due to XXXX reporting a bankruptcy on my file. I have no bankruptcy reported on any credit report from any bureau under public files. My Chase mortgage that was modified in 2002 is reporting under remarks : bankruptcy dismissed. Loan modified. However, there is no date of when the so called bankruptcy was dismissed and is honestly reporting information well past the max of ten years. This mortgage was paid off in good standing. I put a dispute in on XX/XX/XXXX after I contacted Chase mortgage and XXXX regarding this issue. Chase Mortgage stated that it is XXXX XXXX problem bc they are recognizing a bankruptcy and just reporting it. XXXX says its Chases problem bc they are the one not updating the information and keep reporting that the bankruptcy is dismissed. The dispute came back XX/XX/XXXXwith no change in the results I contacted Chase Mortgage again and XXXX and placed new disputes but neither was willing to work to change the issue and continue to blame each other. I have put in another dispute and contacted a lawyer for further advise. XXXX does not report this account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: We sent a letter to the credit bureaus, asking them to correct an error on our credit report. Well over 30 days have passed, and some of the bureaus have not responded yet.

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 04/20/2017 about Debt collection (Payday loan) with Acceptance Solutions Group, INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have paid over {$1200.00} for a {$450.00} loan. They continue to call my numb er 5-6 times a day. Hang up  over and over. Call my place of employment over and over. Threaten to take legal action. This loan has been paid, more than in full. I would like the calls to stop and the debt to be placed at {$0.00} as it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Checking or savings account (Checking account) with U.S. BANCORP (NM).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On Friday XX/XX/XXXX I made a purchase online for XXXX and since it was at wrong location they were supposed to refund the money. Because that did n't happen in enough time on Tuesday Morning I was overdrawn by {$6.00}. and some change. I immediately went down and deposited XXXX to cover the overage as the items had not been officially posted yet. 
That brought me into the positive {$13.00}. At that point all of my pending transactions were accounted for in the available balance. ( I have receipt as verification ) Later that day an overdraft fee for XXXX was added to my pending transactions despite the fact that i had enough for all pending transactions to post without overdrafting me. 

This overdraft fee brought me into a balance of negative XXXX. The bank then proceeded to post all the transactions i had made on the XXXX which would have been fine but they posted the over draft fee as the first item, and re ordered my transactions to cause me a futher overdraft.and then they charged me for two more fees.
I tried calling branch manager but she was rude and insisted it wasnt bank error.

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 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Family Member obtained loans fraudulently, has subsequently been prosecuted and is serving a  XXXX  term  for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have spoken to this debt collector multiple times, the first time being XXXX. I have made it clear that the debt was not mine, that I did not live at the property they have claimed I have move out fees from. I was told they would send me a fraud packet, a week later, nothing received and I call again. Im told they are now trying to get a copy of the lease to validate the debt. I then call on XXXX, after still nothing has been received, and Im told they are still working on it, but cant remove the account from my report, even though it has been greater than 30 days since I initially requested information to be mailed. Now I have filed a report with FTC for fraudulent activity/identity theft. As of last week, they have received my report and the letter with my request stating that I demand the account be removed, yet Im told again that they can not do this. It has been XXXX weeks since I began dealing with them, and since I requested this fraudulent account be removed. I have been denied rental property applications due to this account and am staying in a hotel. This is creating an unnecessary expense, due to their refusal to support my fraud report and follow the law in reporting the account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (Conventional fixed mortgage) with PRIMARY RESIDENTIAL MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I received a mortgage from Primary Mortgage Residential, Inc sometime in XX/XX/2015. I made my first mortgage payment a couple of weeks latter which was not due until XX/XX/XXXX. They never applied the payment to my account. I noticed this 1 month after making the payment and asked them what happened and they said it will be applied. They sold the mortgage to XXXX XXXX and I still do not see the payment applied to my account. 

I do n't know where my money is and why it has not been applied.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (IA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Calling my son XXXX Trying to collect a debt that is mine and not his.. When i called to confront them, they would not provide my complete address. I will not give them ANY information. They are contacting me..

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: in XXXX of 2010 I filed bankruptcy and surrendered the home to American Home Mortgage. American Home Mortgage neglected to retitle the deed into their name since the home was surrendered back to them in the bankruptcy proceedings. American Home Mortgage in turn sold the loan to OCWEN in my name. Owen demanded payments on a mortgage that was surrendered in bankruptcy. After several threats that I still was liable for the mortgage payments. I mailed them XXXX payments totaling {$12000.00} that they collected illegally and this was not a business practice. XXXX i filed bankruptcy and surrendered the home back to American home mortgage and they were negligent in renaming the deed to their name, American home mortgage sold my mortgage to OCWEN and Owen demanded all their money and i sent it to them not knowing and it went in their pockets. Then in turn Owen sold the Mortgage again in my name to someone else and the third party foreclosed on the home in my name and reported it to the fort XXXX XXXX sheriff as a foreclosure in my name. that deed should have been retitled 3 times once To American Home Mortgage, second then Ocwen Loan Servicing , LLC and then the third party. XXXX mortgage companies illegally left my name on the deed after surrendering the home back to American Home Mortgage and five years later foreclosed on the property that I no longer had possession of after the surrender in 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting that I was late XX/XX/2016, this reporting is not correct. I have tried disputing it with the major bureaus as well.

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 06/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have been billed twice again {$1500.00} by my credit card issue r Sams Club MasterCard -Synchrony Bank for a charge which already was in  dispute on  XXXX   XXXX , and which I had already filed a claim with Synchrony bank and they made a credit adjustment posted on  XXXX / XXXX /  XXXX   The retailer  XXXX   billed  again on  XXXX   XXXX  and AGAIN for the same charge on  XXXX   XXXX   XXXX .  XXXX . I now have had to freeze my card and  Synchrony and MasterCard have not been helpful. Sychrony only want to put the in the dispute category again for another 60-90 days which is again st the fair credit reporting act. I have a great credit history and do not want to deal with his hassle or have my credit impacted in any way.

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 07/18/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I had filed a claim with Chase that was later reversed ( not in my favor ).
They were supposed to reach out to me for documentation and never did.
Chase reversed    XXXX  transactions from my claim causing my ledger to be inaccurate which caused an avalanche of overdraft fees. The representative said that while she understood that the transactions were related to their reversal, that because the fees were n't caused directly enough by the reversed transactions. She said she would have to do it as a courtesy refund. That was limited to 3. I had requested  XXXX  be refunded, several of which were after the last times I have tried to take care of this.
I had tried to handle this a couple times before, last time being a few days ago when I was told their systems were down and I would have to call back. That is fine, but now I am on the hook for at least  XXXX  more overdraft fees that have posted.
They say they messaged me about reversing the claim, but if they did, it was in a different way than they have handled this type of dispute in the past. This is not a change I was made aware of.
I have escalated this in 2 separate departments and am so frustrated with this bank. If you have the resources to review my account further back, you 'll likely see that there are other things I should have filed claims with you about, but I simply do n't have the stamina.
Additionally, they have removed my ability to make mobile deposits simply because I have had an overdraft within the last year. Out of nowhere. I 've never abused or bounced a cheque, let alone via their mobile app.

Company response to consumer: Closed with monetary relief