milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2016 about Bank account or service (Checking account) with BB&T CORPORATION (NC).
Issue: Problems caused by my funds being low

Complaint: Hello, On XXXX XXXX, 2016 I had approximately {$9.00} in my checking account. On XXXX XXXX an overdraft fee of {$36.00} dollars was charged to my account. On XXXX XXXX there was a scheduled insurance payment to come out of my account to the tune of {$140.00}, this draft did not come out of my account on XXXX XXXX but instead came out on XXXX XXXX when my direct deposit came in.On XXXX XXXX I had a direct deposit of {$720.00} come in at or around XXXX. The bank processed the automatic draft first and than the direct deposit credit after resulting in an overdraft fee. When I went to talk to the bank about this they denied me a refund for the overdraft fee and recommended that I better manage my finances and bill payments. I would recommend that they process the credits to my accounts first before the debits to avoid unnecessary fees. We are a hard working family of XXXX and do our best to make ends meet and can not afford {$36.00} this month due to bills. Any help in this matter will be greatly appreciated and we thank you for your time.

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 09/18/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Filing CFPB complaint on Experian. Experian is currently reporting an account in my file called : XXXX XXXX XXXX # XXXX. The original creditor is XXXX. This account is in collections but I was not informed by the original creditor ( XXXX ) that it had gone into collection and had no idea until I noticed it on my Experian credit report. I dispute this account 's information and feel that its record keeping and documentation of payments is so excessively bad and demonstrably inaccurate so as to be unverifiable. I am attaching a copy of my report with the disputed account information circled for you convenience. 

If you open the report and scroll down to page XXXX, you will see the account named XXXX XXXX XXXX # XXXX ... I had been making timely payments double the amount required for many months until I learned that they were not crediting the payments I made to the account. You ca n't see many months of the payments that I made because the data is not in the report and it makes no mention of the months that I had the account prior to XXXX XXXX, 2014. 

Therefore, I dispute the reporting of this account in its entirety. I believe it is not fair for Experian to continue to publish credit data which is damaging to my overall credit history when that data is evidently inaccurate. If anyone at Experian was doing their job, they would have noticed a payment date of XXXX XXXX is listed no less than 8 times. The first time XXXX XXXX is given as the payment date, it shows my payment of {$300.00}. Then, the subsequent 7 times, it says I made no payment on XXXX XXXX. 

This data furnisher 's record keeping is questionable at best and Experian is required ( by the FCRA ) to delete information they are reporting which they know ( or have reason to believe ) is erroneous and it clearly is in this case.

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 09/25/2015 about Payday loan () with Enova International, Inc. (SC).
Issue: Can't stop charges to bank account

Complaint: Hello my name is XXXX XXXX, from XXXX XXXX SC. I had to get a payday loan from Cashnetusa. They was taking {$120.00} out of my account every 2 weeks. I called them at XXXX XXXX/XXXX/2015 to explain to them i lost my job. I asked them if they would lower the payments. They said no, they were still going to take the money. I told them i lost my job, that i wanted to speak to the manager, the girl would n't put the manager on phone, and she hung up on me. I am in desperate need of help. I feel like my rights have been violated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Jh portfolio sold a account to XXXX XXXX for XXXX and XXXX XXXX this fraudulent account needs to be remove from my credit report I never had a account from XXXX XXXX and this is fraudulent

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 04/23/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i have tried several times to talk to them. They have refused to supply me with the social security used.i have sent a dispute letter and they say they didnt get it but refuse to send me another XXXX. All my credit cards and loans are paid on time and i am not late on XXXX of them. Please help me this company is ruining my company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I m trying to do a loan modification with my bank which is Bank of America since XXXX 2015 and till present they keep to deniey my application and ask me to short sale my property, and I have no other options without any valid reason.i ve been having some financial problems due health problems and its bills, a major damage in the house due to water leaks and Ac repairs totally needed replacement and also my property taxes are rising too high on the property which increased my escrow account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been in dispute with my XXXX lienholder ( Green Tree Servicing ) about the status of our XXXX lien in order to meet qualifications of XXXX. We have documentation from the XXXX lienholder XXXX XXXX XXXX that the loan was accurately reported in the system and from the XXXX lienholder ( Green Tree Servicing and DiTech ) that states that the XXXX lien was properly identified as a HAMP-modified loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I opened a Checking 's account With citizens and waited for my card to come in the mail for about a week and a half. When i finally received it i called and activated it, it said it was successful. However when i went to use it I got declined so i called customer service they told me they fixed t and my card should work. so i head back to the store,  Again declined. so again i call customer service they said i never activated my card i told them i did twice now and they said no problem and the card should work not. So now for the third time i head to the store, the only difference this time was when my card got declined the cashier told me t came up expired. so now again calling customer service i asked to speak with a supervisor and after being on hold for 43 minutes i got someone saying all the supervisors were busy and that she could help me. She explained that the mailed out the card had then ordered a replacement card. I asked why they ordered a replacement card they could n't tell me why. Then told me it would go to my new address ( which i had to call 4 times just to get them to change before actually having to go in the branch for them to actually do it ) it did not in fac t it went to an address i never lived at coincidentally it was a friends house thank  XXXX  for that or someone else would have had my bank information. but even worse is now that i finally got my new card after a months wait i go to use it and guess what. You 're right DECLINED. so now I 'm getting late fees because citizens screwed up and wont let me access my money!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Not applied for a credit card was not in town when arrived, can not get on due to questions about mortgage etc. are none of above

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Student loan (Non-federal student loan) with MASSACHUSETTS EDUCATIONAL FACILITIES AUTHORITY (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have had my student loan for 5 years. I had deferred and reduced payments ( due to income ) for the first few years but have been paying the full amount for the past three years. I am building a plan to make extra payments to pay the loan off faster, as part of the planning I called the servicer to get a payment schedule / amortization schedule. They are unable / unwilling to provide this, they sent a letter saying I have approximately 108 payments left. There was no information about interest calculations etc. I know the balance, rates etc and can calculate a simple interest payment but wanted to see their calculation to both make sure my calculations were correct and to make sure I 'm not being taken advantage of by a company I do n't trust. I 'm astonished that they wo n't provide the most basic repayment schedule. I have worked in lending and written loan notes for years and have always provided a payment schedule. I got this loan for a XXXX and it 's one more reminder that I made a bad decision. It makes me suspect I 'm being taken advantage of in the repayment process.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (I do not know) with Focus Holding Company (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Focus Receivables Management calls my home everyday of the week with a Recording stating they are trying to collect a debt. I do not owe a debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a Mortgage Loan with JP Morgan Chase, on my primary residence.Because of various hardships, listed in my hardship letter, I fell behind on my payments. I understand I am behind by 6 payments ( {$6300.00} ) including XXXX 2015. 

They have scheduled an Auction Date of XXXX XXXX 2015 to sell my home. So I had submitted a complete HAMP Modification package on XXXX XXXX 2015. They received it but said that I should have applied at least 1 month before the auction date. Since I did not do that, they are going ahead with the Auction. I DO NOT KNOW, IF THERE IS ANY SUCH RULE UNDER HAMP GUIDELINES.Please examine this and arrange to stop the auction. 
Since they are saying it is too late to do a modification, I requested them to allow me a Repayment Plan with 50 % of the arrears being paid now and the balance in say 6 monthly installments along with my regular payments.Even this they refused and are bent upon auctioning the property on XXXX XXXX. 

This is my Primary Residence, and I want them to give me a chance to keep it.If they auction it, my husband, I and my XXXX XXXX children will be thrown onto the street.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX bill I do not oweXXXX bill made in my name at a third party store.The address XXXX XXXX XXXX XXXX XXXX XXXX, md XXXX. I do not live there my information was stolen.I send in a police report identity theft too XXXX last year on this same bill I talk the people at XXXX about this XXXX for over a year it was taken off my credit report in XXXX 2015 and this company put it back on enhanced recovery company. so please contact me so ... we can make arrangement to get it off my credit .thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 XXXX/XXXX/XXXX, I received notification from the XXXX credit bureaus that my loan balance with XXXX has increased from {$19000.00} to {$19000.00}. I immediately spoke with a representative at XXXX and was advised that I would need to file a complaint for the incorrect reporting. XXXX sent me a transaction history reflecting the updated balance of {$19000.00} for the updated balance for the at the end of XXXX XXXX. I requested for balance loan to be updated with the XXXX credit bureaus and was denied and advised to dispute the inaccurate reporting myself. Due to the inaccurate reporting it is negatively impacting my able to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Problems caused by my funds being low

Complaint: wrote check to XXXX XXXX XXXX XXXX dated XXXX XXXX, check was cashed on the XXXX from my account at Bank of America, my payroll was deposited on the XXXX. I was charged a overdraft fee of {$35.00}, even though I do not have overdraft protection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Recently I contacted the XXXX credit bureaus XXXX, XXXX, XXXX requesting my annual credit report and I realize that the company named ERC with address XXXX XXXX XXXX, XXXX, FL XXXX .And I realized that this company is trying to collect XXXX dollars in the name of XXXX XXXX Where I did not time authorized XXXX to share my personal information such as my social security, my date of birth and my first name and my last name with any collection company including ERC. Therefore I need ERC to erase my information from their records and stop trying to collect the amount of XXXX dollars, since I never signed any contract with them, where I authorized them to have my personal data to satisfy its business. Therefore and others I demand this company remove my data from their files, so that I do not have to see myself in the obligation to take legal action, since in the past I was a victim of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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: To Whom I t May Concern My  Name is  XXXX   XXXX   XXXX  my complaint is wit h   XXXX   XXXX   XXXX   XXXX   is two parts, credit reporting to the  XXXX  bureaus, I filed  a Chapter  XXXX  in  XX/XX/XXXX . in doing so it was not aware that recommit my loan w ith    XXXX   XXXX   XXXX   XXXX    ,  because of this our payment history is not being reported to the credit bureaus, we purchased our home in  XX/XX/XXXX . we have never missed a mortgage payment. however, we filed for a home modification in   XX/XX/XXXX   because it was becoming more and more difficult for my wife and i to make our mortgage payment because of the mounting medicals bills, however we were not behind on payment at the time we filed for the home modification with    XXXX   XXXX  . we  were told by the person handling the modification process with  XXXX   XXXX , that for us to qualify for the modification, we had to be behind on our mortgage payment. I told him at the time that we were not okay with doing this, because our home is very important to us. he then told us that it will not be jeopardize history or be reported a being late. it turns out that it was reported on our credit report. we did not find this out until I filed for a chapter  XXXX  in  XX/XX/XXXX . we have contacted  XXXX   XXXX   about  this matter to see if we could have this removed from our credit report. and, have them report our payment history to the  XXXX  Credit bureaus. we have not had any success in doing so. Please see if you can help us with this matter sincerely

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 01/13/2017 about Credit card () with JPMORGAN CHASE & CO. (MN).
Issue: Rewards

Complaint: I applied on the phone to upgrade my Chase card to the New Chase Platinum Reward card..I was assured that for XXXX dollars a year, I would receive many new befits including XXXX bonus points..I needed to spend XXXX dollars in the first 3 months..I spend XXXX, and still no points..So I call and they say I am not eligible ... that I was given misInformation from their employee ... .and I am ineligible for the bonus ... with no reason other than that I did not apply for the card..I have has this card for many months having applied on the phone and assured of the benefits before agreeing to a XXXX a year card over my free card.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been trying for months to clear out a medical debt that was sent to collections, with a service date of XXXX/XXXX/XXXX. I did n't know about it until XXXX when I could n't get credit and reviewed my credit report. The issue is that I was covered by Medicaid from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX, which I confirmed with XXXX XXXX, Director of the Office XXXX in the Department XXXX in XXXX XXXX. Her phone number is XXXX. Every other bill from that hospitalization was covered, so I 'm not sure how that fell through the cracks. My attempts to clear that debt have been unsuccessful because the collection agency claims that the debt is valid -- which is true, but it should have been covered by insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Trouble during payment process

Complaint: I have tried to resolve my payment problem with bank of america. But they keep giving me the run around. They have sent my account to their fore closing department ove r 3  payments which equal to {$3000.00}. I have applied for a home loan modification but was denied because they said my income was hire. I have appealed it and its in the appeal processing. I believe they are retaliating because of my past complaints. By Alabama law its suppose to be  17 pay ments past due and I have received a letter from them to still keep making my payments during the appeals process. They gave cancelled my payment plan of {$740.00}. I have tried everything to resolve this with them about them not applying my recent payments to my balance, when I have my checks that have cleared the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit card () with CITIBANK, N.A. (MO).
Issue: Advertising and marketing

Complaint: I am a Citi Double Cash cardholder and am completely frustrated with Citi, as they have begun holding my payments for up to 10 days for verification before they reinstate my credit availability on the card. We obtained the card last fall and have always paid the card balance in full every month ( sometimes multiple payments per month to keep the balance from growing ). We make our payments electronically, via the Citi website, debiting our checking account at XXXX. The first several months we had the card, Citi would reinstate our credit availability on the card immediately following the initiation of the payment. Due to the velocity of our recent payments, Citi has begun to implement the " hold for verification '' on our payments, not reinstating our credit limit, even after the payment has cleared my XXXX account. I could understand a 24 hour, even maybe a 48 hour hold to be sure the ACH debit has cleared and funds are received, but knowing the funds have been transferred to Citi and having them hold them for " verification '' is completely dishonest and misleading. In speaking with a Citi customer service supervisor today, she alluded to the fact that when customers increase the velocity of their payments, thus obtaining the 1 % cash back reward quicker, Citi decides to exercise this practice of holding the payments. There is nothing in the Cardmember Agreement about making too many payments or the ability of Citi to hold payments for verification. Citi is being deceptive in its marketing of the Cash Back Card and its benefits and the " hold for verification '' practice is unethical and wrong. 
Any assistance you can provide in helping me cause Citi to end its deceptive practices would be greatly appreciated.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Information has been stolen from Equifax as a part of the recent data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The account has not been verified so I should not be liable for this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief