milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had residential mortgage loan with  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX .  XXXX . The  Loan h as been paid off as of  XXXX     2016. All  payments on the loan were made by automatic electronic payment system through my bank. No payments were ever late. However, in  XXXX     2016, f or unknown reason,  XXXX  returned  one paym ent, even though it was the same as every prior payment on the loan.  XXXX  then started charging late fees, and applying subsequent payments to that payment.     Upon learning such and speaking to  XXXX  representative, I made double payment. I also spoke to supervisor and upon sending in the bank record showing EVERY payment from my bank, the representative approved removing late charges.  XXXX , however, continues to list late payments on my credit report. It is adversely impacting my credit, and I am in process of applying for new loan.     I spoke with  XXXX  customer servic e 2 week s ago and was told they would respond in 10 days. No response has been forthcoming. I sent urgent email last week.     After years of similar payments by my bank,  XXXX  acted capriciously in rejecting my timely payment.  XXXX  once did acknowledge the error and removed the late charges.  XXXX , however, is not correcting the credit reporting on their error, and it is adversely impacting the credit of my report s (   XXXX   XXXX   XXXX   ) a nd my wife ' s reports (   XXXX   XXXX   XXXX   ).       XXXX  needs to remove adverse reporting on my credit on on my wife 's credit.

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
Consumer complaint received 10-09-2015 about Debt collection (I do not know) with NAM National Arbitration and Mediation (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a call on XXXX XXXX, 2015 from a man claiming to represent the 'Legal Department XXXX . '' I immediately asked why he called me and he was very rude saying, " I was trying to help you, but now you can see the judge. You are up on fraud charges and I 'm sending the constable to your house. '' The number does not match any law enforcement or government enforcement in XXXX, Texas. I have a recording of the representative threatening CRIMINAL charges against me. I was never told what this was about, except they represented a client ... a bank that is not in Texas. The phone number is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (VA mortgage) with Mortgage Research Center, LLC (AL).
Issue: Application, originator, mortgage broker

Complaint: A copy of credit reports were received in XXXX 2015. I noticed an inquiry made by XXXX Mortgage. After several attempts with disputing, we were told that the actual creditor was Veteran United Home Loans. I then contacted the company to dispute the inquiry. The initial representative stated permission, to pull my credit, was given by my husband. I then replied no XXXX other than myself can give a creditor permission to access my credit file. I asked for a supervisor, but I was transferred to XXXX and explained my issue. He stated that he could not help me. 
A few days later I received correspondence in the mail dated XXXX XXXX, 2015 accompanied by a letter of denial for credit dated XXXX XXXX, 2015. I called again and requested to speak to a supervisor. The representative took a message and I was later contacted by XXXX XXXX ( XXXX ext XXXX ) Director of Customer Relations on XXXX XXXX, 2015. I explained my issue again and described the documents mailed to me. He also stated that there was nothing he could do. I was told by XXXX XXXX that by law they could pull my credit report, if permission is granted by my spouse. I disagreed, told them their actions were unethical, and again stated I gave no XXXX permission to access my credit file. I informed him of the statement on my husband 's credit report which specifically says to call before extending credit. XXXX XXXX stated there was no such statement on the report. I asked if the calls were recorded? I was told by XXXX XXXX no, because they talk to people in all XXXX states and to repeat a statement letting people know they are being recorded would take too much time. Also, said that recording, in some states, is against the law. XXXX XXXX offered to send a copy of the credit report. When I received the documents I reviewed them and on page XXXX of XXXX towards the bottom of the page is my husband 's statement to contact him. Certain steps are put in place as a measure to prevent fraud and identity theft. This company and representative chose to overlook the statement. 

I repeatedly requested for the entry to be removed without any resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: During the week of XX/XX/2017 I contact BOA representatives both over the phone and at the branch to complain about the overdraft fees that were charged to my account intentionally. I complained that the mobile banking transactions that I see always show me that I have sufficient amount to cover my transactions. However, when I check again the same day or a day after, I notice that I was charged an overdraft fee, and the sequence of the transactions were reversed so that an overdraft fee is charged first before my transactions are settled. I also complained that for transactions that occur a week earlier, bank of america still shows it as " processing '' even though the transaction is reflected in my avaiable balance. I showed the representatives what I see on my mobile banking and they could not explain how I ended up with the overdraft fees. Instead I was told never to believe what I see on my mobile banking ; that rather I should always log in to my desktop or laptop to check my transactions. I also complained that bank of america has designed its algorithms so as to intensionally optimize its overdraft fees charges. I also asked why my checks were on hold for more than a week instead of making it available to cover my transactions. I was told that as a new client, my account must be opened for 90 days before my check can clear. So I asked why prior checks were not placed on hold and were cleared within a business day? No one both at the bank and on the phone could answer my quesiton. I have attached pictures of transactions from my mobile banking and how Bank of America intentionally withheld processing transactions until after it charged its overdraft fees. In less than a month, I have been charged almost {$300.00} in overdraft fees.

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 09/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (GA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I received a message on my XXXX account saying I was pre-qualified for this card. I received a hard pull on my credit report, which resulted in my credit score dropping several points. I was denied, DESPITE the link saying I was pre-qualified. I would NEVER have applied for this credit card if it had n't told me I was pre-qualified, because I do not like getting hard pulls that lower my credit score only to be denied.

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
Consumer complaint received 06/21/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Problems caused by my funds being low

Complaint: I have been banking with SunTrust Bank, XXXX. They run all credit and deposits at the end of the business day. When they run debts, they start with the highest and go to the lowest. They do this in order to extract extra overdraft fees and not deny payments when your account is overdrawn. 

I recently had a situation whereby I had approximately {$450.00} in my account and a deposit of {$360.00} giving me a credit of {$820.00}. I had several withdrawals on XXXX/XXXX/2015 listed below : {$7.00} {$23.00} {$29.00} {$46.00} {$85.00} {$280.00} $ XXXX $ XXXXHowever, I made the {$280.00} withdraw late in the day and was not denied use of my bank card, so I thought I had enough funds to cover. But I accept that I was overdrawn. However, Suntrust 's computer withdraws from my account taking out the highest debt XXXX and in order to charge more bank fees. Because of this practice, I was charged {$38.00} on XXXX checks for a total of {$150.00}. Whereas if they started with the lowest debt amount, which is how it shows up on both my statement and online, I would have only been charged XXXX late fee of {$38.00}. 

The following day, I deposited {$200.00}, but due to the extra {$110.00} in fees, I incurred an additional {$38.00} late fee. 

While I am willing to accept responsibility for overdrafting my account, I find it fundamentally unfair that SunTurst, XXXX uses a method to extract the most fees possible and it continues to allow a customer to access funds when they are overdrawn. Had I been denied when made the {$280.00} payment with my debit card, I would have known that I did not have the funds to cover the charge and I would not have made it or I would have checked my account to find out why I did not have the funds. 

I honestly am not upset about being charged a fee when I overdraw my account. That is fair. But their calculation methods as well as their allowing me continued access to funds when they are not available without warning is not fair and I feel cheated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX XXXX, my wallet was stolen while I was visiting my grandmother in XXXX, TN. I noticed fraudulent charges on my XXXX XXXX XXXX even though the card was PIN protected. I immediately reported this to XXXX XXXX. They assured me that they would get this resolved and I was advised by the service representative to not make any payments - until I received confirmation via mail that the charges had been cleared. I never received any sort of confirmation and it is now XXXX. In lieu of the confirmation, I did receive two late charges of increasing value ( I was able to get the first one waived ). In addition to these fantastic gifts from XXXX XXXX, I also began to receive phone calls from their debt collection department saying that my account was delinquent. Last week, I explained in detail to the collections representative ( XXXX ) the aforementioned series of events, and I informed her that I have no issue paying my debt - so long as XXXX XXXX did not report my account as delinquent to the credit bureaus. She agreed to note that in my account details, and said that - as long as I paid the payments for XXXX and XXXX XXXX ( totaling {$160.00} ) - my account would be in good standing and not to worry. Well I paid {$200.00} ( Im no mathematician, but Im pretty sure thats {$39.00} more than my overdue balance ). Okay great, so thats the end of that right? WRONG. I log into my credit reports this morning, XXXX XXXX XXXX, and notice that my credit scores had dropped by XXXX and XXXX points since XXXX XXXX XXXX. After some investigation as to why this has happened, I discovered that XXXX XXXX has listed my XXXX as XXXX days overdue. I call XXXX XXXX   again with two directives - waive this usurious late charge and correct the status of my account. After many transfers and long holds, the service representative ( XXXX ) advised me that theres no account notes, nothing she nor her supervisor can do, and to contact the dispute department when they open on Monday. Im nonplussed honestly. I went from having good credit to poor - right before I plan to move across country, and get an apartment. How am I supposed to do that now with poor credit? In addition to all of this, I cant even see my account balance. When I go to check it online, it just shows XXXX XXXX XXXX [ **** ] . paydown to {$0.00}.!! DO NOT DO BUSINESS WITH XXXX XXXX!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (AL).
Issue: Trouble during payment process

Complaint: My mortgage provider has refused to cancel my PMI now that the loan to value is below 78 %. They are demanding that I get an appraisal and that the percentage of automatic removal is based on the age of the loan. 

In accordance with the HPA and CFPB Bulletin XX/XX/XXXX-XX/XX/XXXX they are required to cancel my PMI at 78 % of original value at anytime it occurs.

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 04/21/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TN).
Issue: Application, originator, mortgage broker

Complaint: i called JP morgan Chase to apply for the HARP program to reduce my home mortgage loan interest and to qualify and without going to details he said I did not qualify and I ashed why? he said you do n't qualify he said my loan was n't a fannie mae loan? I said yes it is a XXXX Loan he said no your loan is sold to another lender I said another lender and I was notify? I asked so who is my new lender now? he said I do n't know? I said well who will tell me then he transferred me back to customer service I gave them my loan number XXXX my name XXXX XXXX XXXX and this time a lady she said my loan is a XXXX Loan, so this man did not tell me the true why he did tell the time to ask me the questions he needed before saying if I qualify yes or no? I told him that I have being working on my credit score they- chase told me to work on my credit and call back in XXXX months and that is what I am doing, my interest are too high right now being a XXXX after a difficult XXXX, lost my job and had more medical bills, paying more medical bills and I need to apply for this HARP program

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (I do not know) with National Principal Group, LLC (OH).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Company has called and harassed family members after being asked to dispute the claim for validity and after telling me that they would no longer contact me or my family members. Stating the company owning the debt would call after it was sent back. The company then proceeded to call family and tell them they were trying to get a hold of me for passing bad checks. I personally talked to XXXX people and my husband talked to XXXX all stating something different. The last female stated she would put it in dispute status and the phone calls would stop. They continued to tell us they were not able to give out any information on the company that holds the debt. They also stated they would only have the debt for 5 days and they could not send me a letter with the information regarding the debt, therefore I could not formally dispute the debt in writing like all other debt collectors. At one point they threatened my husband with a civil law suit if we did not settle the debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Hello, On separate occasions, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, I was charged a {$35.00} overdraft fee. However, Wells Fargo states that I can avoid fees by placing a deposit the same day. The issue is, I cant see the deposit till the following day. There is no transparency to see what is pending for checks or card purchases. As of XXXX MST last night XX/XX/XXXX the cut off time set by Wells Fargo, my account was in the black but at XXXX XXXX XX/XX/XXXX there was a negative balance. The same thing happened on XX/XX/XXXX & XX/XX/XXXX. I deposited money the same day on XX/XX/XXXX & XX/XX/XXXX as soon as the checks hit but was charged with overdraft fees. The issue is Wells Fargo is not showing the checks pending the day before & allowing me time to place money in my account per their rules!

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 04/14/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2016 I notified U.S. Bank about fraudulent activity on my account which took place with a debit card. During the same phone call which I reported the fraudulent activity that U.S. Bank customer service representative who I was speaking with decided to put a restriction on my checking and savings account, this did not allow me to do any type of transactions. 

It was set to close within a certain amount of days. I was told that I will receive a provisional credit 10 days after I filed the dispute which the bank is required to do in accordance with federal regulations. I went into my local branch to withdraw my current balance and I was unable to make the withdraw until I closed my previous checking account with U.S. Bank. 

So in order to receive my current funds I closed my account and reopened a new checking account. I was told that the provisional funds that I was required to receive would be deposited into my new checking account which did not happen to date. 
I was notified that provisional funds were sent out to me on XXXX XXXX, 2016 but they did not go to my new account instead they attempted to deposit the money into my old checking account which I was forced to close. I have contacted US bank fraud department multiple times and an attempt to fix this issue so they make the deposit into the right account but they do not seem to be able to determine where the money was sent out to. I have been bounced around and spoke to multiple customer service representatives within the fraud department at U.S. Bank but I have been unable to get a resolution. 
I have been told that I would receive a paper check or that they will deposit the credit into my new account that neither of these appear to be true and correct statements. It has been 10 days since I made the report and I have yet to see a resolution of my claim or the provisional credit as required by my bank in order to comply with federal regulations. 
Routing Number ... XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (I do not know) with Bayside Capital Services, LLC (VA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: This complaint is a follow up from my complaint submitted yesterday, ( XXXX ) please add the additional details, after leaving a message again for XXXX XXXX ( XXXX ) he called back leaving another message identifying himself as the general manager for a company called Bayside Capitol Services number he called from unrestricted XXXX, I have no idea who this company is or who they work for, they have misrepresented themselves as being XXXX XXXX XXXX to XXXX XXXX XXXX, verbal threats about coming to my place of employment and to make sure my supervisor is on hand to my home, this company has repeatedly harassed me by phone and now using my work phone, I believe this is the same company or group of people that reached out to my ex husband a few months back making statements that I would be arrested and go to jail and I needed to be found. I had someone call the number back yesterday, again this company does not identify themselves when answering the phone, only that they are with the filing department, all of them employed speak a good line and are intimidating, if you did n't know fair debt collection practices you would fall into the trap, Ive been guilty of this myself, this occurred to me XX/XX/XXXX see my previous comments, these people are nasty!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: i am getting calls at work, cell, home, and they are also calling my wife, brother, mom, dad multiple times a day.

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 04-01-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan was moved to Navient from XXXX XXXX, so I did n't receive notification of where to send my first payment after completion of Chapter XXXX Federal Bankruptcy. Since the interest ballooned so high, I need to make accelerated payments on my student loans as to avoid excessive interest payments during the life of the loan. Navient will not let the payee set up auto payments in excess of the minimum payment. I had to call customer service and argue with them to increase me auto payment. After almost 1 year of making accelerated payments. Navient sent me a letter notifying me they changed the terms of my loan, which ended up meaning they reduced my auto payment amount back to the minimum. This would extend the life of the loan and cause me to pay 3 times the amount of interest. I never authorized my auto payment to be decreased. They decreased it for obvious reasons to try and get more interest payments out of my loan. This is deceptive and should be illegal. As well, the Navient Website should be set up to allow the borrower/payee to set up auto-payment amounts in excess of the minimum payment, and change it at the payee 's discretion as long as auto-payment amount does not fall below minimum amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Chase Mortgage paid the hazard insurance for a different borrower out of the funds in my escrow account. While that problem was being investigated, Chase revoked my online access to the details of my mortgage, including the entire payment history, statements, and escrow.

Company response to consumer: Closed with explanation