milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2015 about Debt collection (Medical) with Professional Finance Company, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have never received a right to dispute or a validation of debt. Furthermore, I have filed previous complaints alleging re-aging and inaccurate credit reporting. I am attaching a copy of my XXXX credit files, provided directly from the credit bureaus. These documents prove that the date of first delinquency and date of removal are all different. With correct reporting this would be impossible. The date of first delinquency is a firm unchanging date that must remain the same between bureaus as it is a record of fact, a singular point in time that the alleged debt became delinquent. The bureaus do not generate this information, it is provide by the collection agency. This inaccurate information is a violation of my consumer rights and a violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Bank account or service (Savings account) with BB&T CORPORATION (DC).
Issue: Account opening, closing, or management

Complaint: I was cheated by BB & T and the BBB could not handle the case and I am asking your help. 
My XXXX savings account was from XXXX opened in 1996. The bank was taken over by BB & T. I decided to let go of my high pay job and went to School. I wanted to close my savings account and I had plenty of Money in the checking account. The teller told me not to close it because if I had sufficient fund in the checking account there will not be any fees. I did not have that in writing, because I was banking with BB & T for many years. After XXXX months I found out that there is a monthly service charge of {$7.00} on a dormant account. I questioned the charges and they refuse to refund the money. When I went to close the account, they asked me to bring lots of ID to reactivate the account in person. Later I got a mail notice saying my account is active and please call to deactivate the account. I asked the manager saying if I was dead, would the money be depleted through service charges without letting my relatives know about the account and she said yes. She could not find any means to refund the money. I contacted XXXX, and their complain office for BB & T is in North Carolina, the same office of the BB & T head quarters. They did not intervene on my case, but acted as a medium for communication. When I tried to contact XXXX by writing I did not get any response. So please help. I have all documents and proofs. BB & T only refunded XXXX of the service charges and refused to refund the other half. 
Few things : If a customer dies, there is no written notice to the client or relatives regarding the balance in the bank. 
Second, The meaning of " BANK '' for savings is no longer applicable in BB & T because their business practices does not allow written notification regarding dormant accounts. 
Third the term " dormant '' is unfairly XXXX way. I can not as an account holder withdraw the money without ID, but the bank can enjoy deducting money till it is empty. When I went to activate it. they need all the ID and they wanted me in person. 
Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (IL).
Issue: Using a debit or ATM card

Complaint: I filed a dispute with my pnc bank after I was charged for a hotel room that i canceled. I received a e mail with a cancelation code also.what I now belive happened was I was online booking my room and put in all my info credit card number name everything and waited for it to process and give me my confirmation information/ number.and it took a minute or so and went back to the main screen that I started on with none of my info in it. So I put all my information in it again put in for the same style room and requested top / high floor again exactly as I did 2 minutes before .I summit 's it and got my confirmation info within seconds .I received a e mail also with my hotel info .it has stated I had XXXX room reserved on XXXX XXXX .on XXXX XXXX I went on hotel webite and canceled my reservation for my room.I received a e mail also stating that my room is cancelled and with a cancellation number.I ended up staying in another quality suites on XXXX XXXX that was near the XXXX I canceled.but did't make that reservation untill XXXX the night of the stay. On Sunday XXXX XXXX I seen on my virual wallet bank app that I was charged {$160.00} for the room I cancelled. I called the hotel directly at XXXX and told them the situation they told me I had XXXX rooms under my name that XXXX was cancelled and XXXX was a no show. XXXX of the exact same rooms booked XXXX minutes apart.i expained I did't book XXXX rooms only the XXXX and I canceled it 5 days before my arrival date. They told me to call the XXXX number and they Can help me I was on phone for over a hour and got transferred to XXXX different people the last person being some kind of supervisor she told me that there was nothing she could do because it showed in their system that I had XXXX rooms booked and only XXXX was cancelled. She told me the date and time I made the reservations and the time was literally XXXX minutes apart. I explained that their reservation page timed out or freezed up not sure what happened but didt process the first time I tried making the reservation but did not receive a confirmation number or anything just went back to the main screen .So I did it all over again and got my hotel summary for the XXXX room and had to idea that the first room was ever booked .I did't receive a e mail for XXXX rooms only the XXXX .anyway she said she couldt refund it .So I went to pnc bank the next day Monday XXXX XXXX and filled the dispute. I sent in all the documents and info I thought would help but 6 weeks later I got a letter stating that the bank was going to take {$160.00} out of my account the next day on XXXX XXXX. It was send out the XXXX of XXXX but by the time I received it in the mail it was already the XXXX so I had a 7 hour warning of them pulling the funds out. As of now the funds are back out of my account. The dispute division said that they consider this case closed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Vehicle loan or lease (Loan) with EXETER FINANCE CORP. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are two reporting errors on my current loan and credit reports. Exeter is reporting me late 30 days on XX/XX/XXXX and XX/XX/XXXX in the amount of {$350.00}. First, I was never late in XX/XX/XXXX as seen in the provided documentation. Second, I applied for a hardship extension in XXXX of XXXX and was told over the phone by a customer service representative that I could indeed push a payment to the end of the loan based on the fact that I had been unemployed but was currently reemployed and needed time for my payroll to start before I could make a payment. One can clearly see that XX/XX/XXXX is missing from my payment history and there is an extension notation on the right side of the provided documentation which accounts for this. This however has nothing to do with XX/XX/XXXX which clearly shows as paid. I believe these two months to be mixed up somehow. When I called to have Exeter correct this information I was told by a manager that it was illegal for them to correct any reporting to the bureaus. This call occurred on XX/XX/XXXX with XXXX XXXX ; I asked her where specifically it was stated to be illegal to correct erroneous information according to the FCRA and she proceeded to tell me : " that is just how we do business at Exeter and it would not be fixed ''. I then asked her if our call was being recorded, she said it was. I am currently getting my credit in order to buy a home and so have just recently noticed these inaccuracies. Had I noticed sooner I would have taken action sooner. Thank you for you help I certainly need it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX has been removing inquires from my report due to error and the reinserting the inquiries without legally notifying me. I have called on several occasions to their customer service number to have them removed via Section 611 of the FCRA about having to be notified within 5 days of any changes to my credit report, but they will not listen to me, even with having a fraud alert placed on my credit report. I would like this matter resolved immediately. The dates are as followed : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX( 2x ) ; XX/XX/XXXXXXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/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 08-11-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: wells fargo charged me over roughly XXXX dollars in charges. They also held a check up for {$890.00}. Then they closed an account without explanation so I can never recover my monies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2016 about Debt collection (Medical) with HOVG, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The supervisor XXXX at Bay Area Credit Services at XXXX told my wife that she owed a debt to XXXX. We have asked them many times to verify the debt with us because we have not received a bill from XXXX at all. They would not give us any information on this debt. They have called past XXXX and refused to give us any validation of the debt. We asked them for more information on the debt and they either tell us to pay it or let us know that they will send something in the mail. We have asked for mail to be sent to out address or an email and they say they cant do it. We dont want to give out any money because it could be a scam. I told them we were going to report them to the CFPB and they just hung up. They had XXXX accents so it was hard to understand anything that was going on. Its been around 6 months or more of these calls and nothing has been resolved because they can not verify any information of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX was previously deleted due to fraud and now has been reinserted back to my Equifax credit file under a new account number but has the exact same account details. I have my credit report showing account deleted and now reinserted back to my file without any notification. Please remove from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (IL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I check all of my accounts with Citibank every morning. If my checking account is low, then I transfer money from my savings account. Unfortunately, Citibank has a habit of posting ACH debits at the close of the business day ( around XXXXXXXX XXXX  ) rather than first thing in the morning. If my account is overdrawn, then at midnight they will transfer money from XXXX XXXX ( overdraft protection ) into my checking account and charge me {$10.00}. That gives me only seven hours to transfer money from my savings account. 

I have spoken to many representatives and supervisors at Citibank about this issue. They repeatedly tell me that Citibank does not intentionally post ACH debits at the close of each business day. I am told that the ACH debits post at the time that they are presented to the bank and that it just so happens that all of them happen at XXXXXXXX XXXX every day! That's absolutely ridiculous. 

This has cost me many {$10.00} fees, interest on XXXX XXXX ( even though I immediately pay the XXXX XXXX in the morning ). Recently, XXXX XXXX transferred money into my checking account, creating a balance owned in my XXXX XXXX. That same day ( even though I paid it ) Citibank reported that I owed a balance to the credit bureaus and my excellent credit score ( over 800 ) dropped by 20 or 30 points! I was incredulous! 

I believe that Citibank has a practice of posting ACH debits at the end of the business day rather than at the beginning of the business day in an attempt to charge more fees to customers. I believe that this practice is deceitful.

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX, in XXXX Oklahoma, has reported our mortgage payment to have been late over 30 days twice. This is not the case. I would like a statement specifying exactly which month XXXX XXXX is claiming we were late on a payment, as this was set up as an auto draw. A falling out occurred between XXXX XXXX ( spouse ) and XXXX XXXX, President or vice president of XXXX XXXX, Regarding the new financing of a new home in XXXX of this year, 2017. XXXX XXXX did send a text to XXXX XXXX advising him it was not wise to use another bank However ; using another bank does not justify the false reporting of late payments. I have tried to call several times and have not received an answer from XXXX XXXX. Please advise why late payments are showing as derogatory credit on my credit report when zero payments have been late or 30 days late. Thank you 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 04/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was purchased by Ocwen a few years ago. Recently ( XX/XX/XXXX ), I called to ask about the status of a loan modification that we applied for and was told that we had an outstanding balance on our account. I thought it was strange and so I checked to verify that we had paid our bill that month. I located my bill, checked the amount, and verified online that our check had cleared - it had. 

When I asked for more information they told me that there had been an increase our bill. However, when I asked about when this had taken place I was told that it happened after my bill was generated and mailed. In other words, I had NO WRITTEN ANNOUNCEMENT of the increase in the amount that they are saying took place on XXXX XXXX. 
I have tried 5 times or so to contact them about this and every time I have heard that the only people who can handle this are 'supervisors ' who happen to be on other calls each time that I call. Today it is XXXX/XXXX/16 and there is still no end in sight to this madness since I was just told over the phone by a normal agent that in addition to this my payment was going up again in XX/XX/XXXX to another amount for which I had NO NOTICE. 

Ocwen is well known for their frequent violations of legal procedures when it comes to loan management. They purchased our loan, it was not our choice to work with them. This sort of behavior should be dealt with more effectively and consistently. As far as I know many lawsuits and fines have been handed to them, and they have not changed any of the practices from the complaints that I have found on the XXXX. I am hoping that this is a more helpful avenue.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Bank account or service (Other bank product/service) with WESTERN UNION COMPANY, THE (NY).
Issue: Making/receiving payments, sending money

Complaint: I wanted to transfer money to my parents for their medical needs in XXXX and saw an ad. about WU Pay so, I downloaded the WU Pay ( Western Union ) in my XXXX. Then made a call to Western Union to understand the process. I was told to add WU Pay as payee in my bank checking account and paid the money I wanted to transfer into the WU Pay. So, I paid {$620.00} from my XXXX XXXX XXXX checking account to WU Pay and WU Pay received {$620.00} from checking account on XXXX/XXXX/2016. After making several calls and emails ; I was notified by Western Union/WU Pay dispute escalation team that they can not find my {$620.00}. I have provided them with cancelled check for {$620.00}, XXXX and XXXX bank statements to prove that they have my {$620.00} but Western Union/WU Pay is unable to locate my money.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: I have called finance manager at XXXX Nissan for the last three days to cancel my Gap insurance. I left multiple voicemails directly. I also left messages with receptionist but no call has been made to me yet about cancellation. On tuesday, I left a voicemail for general manager ( XXXX ) and he also has not responded to my complaint. 

Bottom line is that I want to cancel by GAP insurance. I do not understand why it is becoming so difficult and I have to follow up multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Debt collection (Medical) with A & E Futures LLC (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The original bill was XXXX dollars which was paid at the office once I received my treatment ... .it 's their policy prior to being treated is to pay prior to Service ... .however the company sent me a XXXX dollar Service Bill ... knowing I paid at the office, I disputed the Bill ... .and the company continued senting bill and started adding finance charges, whereas over XXXX dollars in finance charges were added

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Medical debt) with Kramer & Frank, P.C. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Kramer & Frank has ruined my credit history for medical bills my ex husband owes and I divorced him. Why are these bills in my name?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (CT).
Issue: Loan modification,collection,foreclosure

Complaint: Working on a short sale with this servicer since XXXX/XXXX/XXXX when XXXX service-released the loan to them. We lost one buyer already, but have a new buyer/offer in since XXXX/XXXX/XXXX. My understanding is that all files must be reviewed by The Committee prior to approval. I called twice today and was told that the file is still waiting to be reviewed by The Committee and that I should call back next week for an update.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (ID).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied to refinance my existing mortgage with XXXX XXXX XXXX, XXXX. on XX/XX/XXXX,  to include the consolidation of two credit card accounts with the same bank. The estimated value of my property at the time was {$210000.00}, compared to the appraised value of the property in XX/XX/XXXX of {$180000.00}. An appraisal was ordered by Chase, and came back at {$180000.00} which I contested. The appraiser used outdated comps, and was supposedly " training '' when he visited the property. I provided the original appraisal, and current comps to my Loan Officer, XXXX XXXX, and was told the appraisal came back at {$190000.00}. The refinance process was started, and was supposed to refinance at the current rate, and consolidate the two credit cards with no cash back. 

After proceeding through the process, we closed on XX/XX/XXXX, with a mobile notary from XXXX XXXX. I was told at the closing there would be a check/checks delivered to me after processing. I was also given a Right to Cancel at the signing. I received one check on XX/XX/XXXX, made out to me for {$1600.00}, watched my accounts on line to see that the credit cards were paid. When the cards were not paid by Friday, XX/XX/XXXX, I reached out to XXXX XXXX to see when and how they would be paid. He told me that I would receive checks made out to Chase from the Title company to pay them off, and he would check to see what was happening. On Monday, XX/XX/XXXX, I was told by XXXX that the credit cards were not going to be paid off, and he would check further to see what our options were. He also referred me to his supervisor, XXXX XXXX, for possible other options. I received a call from XXXX XXXX on Tuesday, XX/XX/XXXX, that the credit cards were not going to be consolidated because the appraisal had come back at {$180000.00} instead of {$190000.00} as expected, and that my Right to Cancel had expired, and there was nothing more I could do. 

XXXX XXXX admitted to me during our phone conversations, that underwriting had changed the refinance back in XXXX, and he had missed it. He also admitted that the appraisal was only {$180000.00} vs the {$190000.00} that we were anticipating which he also missed. These were major changes in my loan application that were NOT disclosed to me before signing, and in my estimation constitute fraud on the part of Chase.

Company response to consumer: Closed with explanation