milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2016 about Bank account or service (Checking account) with BB&T CORPORATION (NC).
Issue: Problems caused by my funds being low

Complaint: I have XXXX bank accounts with BB & T, neither are used as overdraft protection for the other because I preemptively " opted out '' for both accounts with the understanding that BB & T would decline all transactions if/when my accounts have insufficient funds. On XXXX XXXX, 2016 BB & T transferred {$140.00} out of XXXX of my bank accounts without my permission. The {$140.00} was apparently taken to pay off a {$5.00} service fee and {$140.00} of overdraft fees amassed from {$45.00} being pulled from my account as result of XXXX 's default settings. Again, my understanding of the " opt-out '' option was that the bank would decline all transactions if funds were not available. Nonetheless, I have made a voluntary payment of {$45.00} within the last 30 days, but the forced transfer of {$140.00} on XXXX XXXX was done without my permission and to my detriment as I have other, more pressing expenses to handle right now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I recently paid off my home in North Carolina. Well that is what I thought I did. 
Today, I received a letter stating that I was to pay XXXX At the same time Bank of America has not since refunded my Escrow Money. Why is it that Bank of America can not simply deduct the {$13.00} from my Escrow Account. The XXXX is late charge. I do not see why a bank this size can not just wave the fee. I am attempting to have my credit reports showing the account is paid. Bank America continues to report that my mortgage is not paid. Am I upset with Bank of America? Yes, would I have a mortgage with Bank America again I am not sure. 
Anyone with similar issues can call me at XXXX. I am not an attorney. 
I can not and will not give legal advice. However, if you are looking for moral support a friend I am here for you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian continued willful disregard of the law. I have filed several complaints and send several letters on a XXXX account. They are reporting that this account was opened on XXXX XXXX in which is inaccurate. i have requested thar Experian provide a copy of a first payment with some documented proof that support there reporting in which they have failed to send anything no contract or any documented proof which means this account has not been properly verified as they claim. Any automated response or XXXX XXXX verification is unacceptable.

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 08-02-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I requested from XXXX XXXX and XXXX XXXX to remove Hard inquiries from my Equifax credit report. They have acknowledged they would. concurrently I had request Equifax to remove these inquires, knowing they should be. They have refused, however Both XXXX and XXXX XXXX have certified they should be remove. ( see attachments. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Other fee

Complaint: Wells Fargo withdrew funds from my checking account to offset a credit card debt with Wells Fargo.

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 04-04-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (VI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt was sent to a collection agency, which I paid in FULL over seven years ago. I have been disputing this item for the past two years and they keep changing the reporting date to a current date so this item can remain on my credit file. Please assist me in removing this item in compliance to the Fair Credit Reporting Act.

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 04-04-2017 about Debt collection (Medical) with TH Professional & Medical Collections LTD (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Called my work number. When I told them that they were not to call the main number of work or call me at work, they told me that they could call anytime to verify employment because they were going to file a suit against me for XXXX. I asked them why they were filing a suit if I was giving them my hsa card information for payment. They said I had given them my debit card and it did n't go through, and I told them it got eaten by the ATM, which it did and I was waiting for a new card. Then she proceeded to say she had to have the XXXX by XX/XX/XXXX but then " spoke to her supervisor '' and could postpone it a week. Ridiculous!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Billing disputes

Complaint: I was taken in by a investment scam. I explained to Capital One what happened, that the company did not deliver services as promised, and would not allow me to withdraw my own money. The numbers I had for the company did n't work, and no one responded to my email. Capital One reversed the charge but then re-billed me for the charges once the company provided fraudulent documentation regarding the claim. Capital One would not listen to me despite the proof I provided. They did not complete an investigation with due diligence and enabled a company illegally conducting business in the United States to defraud me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I mailed out check to pay for my cellphone bill like i do every month, and i notice a large check withdrawal. Upon research at the branch i noticed the check i originally made payable to  XXXX  for {$75.00} was altered completely and negotiated. I did not authorize this alteration and my phone bill was not paid.   Altered Check I ( Maker ) did not alter the check or grant permission to alter this check, but the  patee  was change to ( fill in here ) :  XXXX   XXXX  from  XXXX   and/or  the amount was changed to ( fill in here ) : {$470.00} from {$75.00} Original Check Number :  XXXX  Amount : {$75.00} Payable to  XXXX  Complaint  XXXX / XXXX /   2016 in  the branch  JP Morgan Chase  Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-04-2015 about Credit card () with WELLS FARGO & COMPANY (VA).
Issue: Balance transfer

Complaint: Hello I did a balance transfer with Well Fargo bank back in XXXX of 2015. The transfer never hit my account to XXXX credit Union.. I have been asking for the amount to be credit back to my card. They told me there was a bank error. The transfer was for $ {$700.00}. After going to the bank and talking to them every week since XX/XX/XXXX. They told me it would take 60 days To get the amount credit back to my card. The bank told and XXXX XXXX at the XXXX bank that it was a bank error. They told us it want to the wrong account number. I am still waiting as of today date for the credit back to my card. This is damage my credit score. I have been still paying the card on time. My name is XXXX XXXX XXXX if any question. I need you guys help bad.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Student loan (Private student loan) with NELNET, INC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I took private student loans fr om  XXXX . I 've be en paying more than the minimum on time for the better part of a decade. This month, the servicing of my loan was transferred to   XXXX   XXXX  .     I disagree with this practice on an ethical level. I am not a commodity and should n't be treated lik  e one. But, I can deal with the headache of my loan servicer changing.
My complaint is that   XXXX   XXXX   does not allow   me to schedule payments in advance. I can either set up auto-pay for a specific amount on a monthly basis or pay online. The problem is that when I pay online, I can only schedule my payment for that day. This makes paying my loans off more difficult and makes it more likely that I 'll pay more over time.     I like to pay my monthly payment ahead of schedule and then make additional payments each time I receive a paycheck. This has been a really effective way to pay off my loans faster.     Not being able to schedule these payments ahead of time makes it more likely that I 'll make my extra payments later, which costs me more in interest.   XXXX   XXXX   provides a negligible level of customer service and a terrible user experience.     It 's entirely reasonable to expect that I 'll receive equal or greater quality customer service when my loan is transferred against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: REPORTED IN CORRECTLY ITEMS SHOULD BE REMOVED BASED ON FRAUDULENTLY CHARGS OCCURRED I kindly informed all the CREDIT REPORTING AGNCY and the BANKS of my SCAM with   XXXX   XXXX   XXXX   that happened in  XXXX  when the company had Possisions of my card and commited Fraudulent charges on some of my cards Those account now are still reported in Collection and Charged OFF and negatively hurting and harming my credit FICO SORE and CAUSING ME Financial and emotional stress in obtaining loans and a getting approved for a line of credit because of the derogatory marks I called in the Banks Numerous time in the MONTH OF  XXXX  and the Month OF   XXXX   XXXX   and explained to them my circumistances they asked me to call the CREDIT Bureaus and request and early removal of the account I Called the CREDIT REPORTING BUREAS and informed them they ASKED ME TO CALL THE BANKS TIME are PASSING BY and i wo n't be ABLE to be QUALIFIED for mortgage based on my  credit Scor e The BANKS / CREDITORS and CREDIT BUREAUS they put me on hold and transfer me around i SPEND OVER  15  HRS A WEEK every Week trying to resolve this

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 11/16/2017 about Student loan (Federal student loan servicing) with Fedloan Help (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: CFPB, I recently followed-up on my initial case to check the status ( Complaint number XXXX ). I was advised that the XXXX XXXX XXXX XXXX company responded, saying that they do not service private loans. Per the instructions of the representative I spoke with, I am submitting another complaint to clarify that I was not referencing any private loan, only the federal loans I have with the company. Please let me know if there is any other information I can provide to complete this investigation. 

Thank You XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 11-12-2017 about Payday loan, title loan, or personal loan (Payday loan) with Green Trust Cash, LLC (FL).
Issue: Struggling to pay your loan

Complaint: The Loan was taken out XXXX XXXX, XXXX since then My family and I have been struggling to pay our Rent and have food in the house every week we have XXXX come out that we could use for food or gas we are in the process of trying to get ourselves on track we took out XXXX loan to pay back XXXX thats hurting us bad.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (KS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am trying to remove midland funding from all XXXX credit reporting agencies because they have lack of debt validation proving this debt was mine. I hired a law firm to contact them and they still could not provide proper proof but refused to remove from credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX-XXXX-18 Credit inquiry from an unknown and unauthorized credit with no number from where to reach them. 
Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX Their number is conveniently incorrect and not working! 

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 02-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (IL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a missed call from IC Systems regarding a collection account. I returned the call to gather some information from the agency. Upon contact with the agencyi was treated like the scum of the Earth. I simply requested validation of the debt from the agent and was told it was previously sent out. I asked how could it have been sent if this was my first contact with the agency. The agent proceeded to inform me validation was sent on XX/XX/2017. I advise the agent I had n't received any communication from their company and again this was my first contact. I informed the agent whatever she claims was sent was the first notice NOT validation of the debt. I also informed the agent I have a right to request validation of the debt and by law the agency had to provide it. The agent became very argumentative and upset. I then requested to speak with a supervisor and the agent hung up the phone. The phone call requesting money for an unknown debt after knowingly sending out a notice that i have not received is a violation of the FDCPA ; clearly overshadowing..

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 04/15/2016 about Debt collection (Auto) with EXETER FINANCE CORP. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company calls me more than 3 times in an hour and more than 12 times in a day. Even after I have spoken with someone the day before, the calls continue to come in.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am disputing a charge of {$320.00} from XXXX XXXX for the following reasons : -The item in question is not accurately reported -Bank did not notify of the accounts charge-off -requesting verified proof of the amount owed -requesting permanent deletion I disputed a charge for {$320.00} from XXXX XXXX  dating back to XX/XX/XXXX which appears on my ChexSystems Report. This account had payroll checks deposited from my then employer, XXXX XXXX XXXX XXXX returned. Checks were held for a period of 10 days due to company 's financial issues causing " XXXX '' a Pay Day Loan Lender to repeatedly attempt to collect funds from the account as payroll funds were held or even returned. The account overdrew to {$140.00}. I requested the bank not allow the PayDay loan company access to the account to allow me to pay them seperately as I learned my Consumer Rights regarding illegal PayDay Loans ( N.Y. Banking Law 340, N.Y. Banking Law 373 and N.Y. Penal Code 190.40 ). I was never notified of continued attempts to draw from the account once the balance owed was paid in XX/XX/XXXX. I am currently trying to open a Business Checking as is required by XXXX XXXX and XXXX XXXX Certification process and can not complete the process because of an inability to have XXXX XXXX  clear this from Chex. I called XXXX XXXX and was transferred to XXXX XXXX collection line at XXXX. The teller : -could not verify an attempt to make me aware of the accounts status -could not verify the amount owed -could not verify to whom the account was charged-off -will not accept payment due to age of the account I contacted the past employer to verify if any other final payroll checks had been reversed. The employer could not verify and offered to resolve the situation with XXXX XXXX for any *verified* amount resulting from a returned or outstanding payroll check. The Agency ( XXXX XXXX ) can be contacted at : XXXX XXXX XXXX or XXXX XXXX. When a request was made for where to direct payment, XXXX XXXX claimed that it " is not collecting on the account due to its age and can not apply payment. '' Documents supplied demonstrate that XXXX XXXX ( Past Employer ) " furloughed its remaining four employees ... .was in the midst of a financial crisis in early XX/XX/XXXX ... hired an outside auditor after depleting its line of credit and failing to pay bills. '' Requesting permanent deletion from Chex Systems. Without deletion, this report on Chex prevents me from certifying my business with New York State. An inability to complete my XXXX XXXX keeps me from collecting on current contracts which require a XXXX XXXX XXXX certification.

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 11-04-2015 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is an account that is past the statute of limitations and still listed on my credit file. University XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a letter via postal mail disputing a few inaccuarte accounts i found on my credit report after reviewing it. XXXX replied that it was a fraud dispute. I am not going back and forth with XXXX about MY CREDIT. It has been almost two months. I feel they 're LAZY and do n't want to do their job. Same goes for the other credit report agencies. I have also personally disputed these accounts with the collection agencies no response. 
1. XXXX XXXX # XXXX I have never done business with this company nor have i been contacted by this company. Please remove. 
2. XXXX XXXX XXXX XXXX XXXX I have NEVER done business with this company. 

Also XXXX XXXX is reporting late payments and I 'm sure i was NEVER late the months being reported. 

I also see a few medical bills. I am embarrassed that a collection agency has access to MY medical information. How is this even legal? Do they have a medical release form? The following accounts needs to be removed ASAP. I am not asking for a dispute but demanding removal. 
1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX CFPB I 'M SURE YOU CAN AGREE WITH ME THAT THESE COMPANIES HAVE HAD MORE THAN ENOUGH TIME TO INVESTIGATE THESE DISPUTES SO THERE SHOULD BE NO REASON FOR A " WE NEED MORE TIME RESPONSE ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/14/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Problems caused by my funds being low

Complaint: I set up Bill Pay with SunTrust Bank. On XXXX I tried canceling the bill pay before XXXX. It would not let me cancel. As a result my account over drafted and I was changed multiple overdrafts. Right now the fees total around XXXX. I am requesting a refund of part of the fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Late fee

Complaint: I was charged a late fee on XXXX/XXXX/2015 for {$25.00} that was supposed to be removed. I was also charged a late fee on XXXX/XXXX/2015 for {$25.00} that was supposed to be removed as well. When I make my monthly payment over the telephone I would be told it was on time. But if for some reason I was charged a late fee to contact customer service & they would remove the charge. I would contact customer service the day or a couple days after & they would assure me charges would be removed, but that 's has n't always been the case. The last time I contacted customer service they said since so much time had passed they would n't remove the charges. Even though it was the credit card company 's fault the charges got placed & not removed in the first place. I 'm recovering from a series of procedures & have n't been able to stay on top of my account as normal. But I 'd expect that when someone says they 're going to do something that they are actually going to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX of XXXX, AR is improperly reporting a paid collection account on my credit report. Account number XXXX must be removed immediately and my credit score updated. They are intentionally sending incorrect information ( such as date of first delinquency ) that is wrong. I have disputed this item online, in writing, and with the furnisher of the debt. NO ONE is accurately validating this collection account as the DOFD is prior to the date of service. This is inaccurate reporting and must be removed immediately.

Company response to consumer: Closed with explanation