milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: Bank of America is shifting transactions in order to make you go negative or negative multiple times. I have printed up my account history just to show you an example but they processed a transaction on XXXX XXXX then lifted the transaction and processed again today XXXX/XXXX/2017 to make me go negative, what they do is reverse small transactions when a larger one appears so the larger will put you in the negative, then they charge the smaller again. when if they simply charged the original smaller transactions you would not go negative because the larger would be denied. but, they have developed an algorithm to make sure no matter what you go negative when the opportunity arises to deny a charge. with this they do not give you any time to pay of the negative account balance before they charge your account. this has been happening for months but unless you literally print up your account statement every day it is next to impossible to have proof because they delete all previous transactions. they are literally stealing from me and making sure it happens on a monthly basis.

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 08-07-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to getting a modification with my lender ( Nation Star ) and all attempts has been unsuccessful. Recently, my house was listed for sale on XXXX/XXXX/15 and the judge postpone the sale and currently there is another sale date scheduled for XXXX/XXXX/15 and all documentations has been submitted to show verifications of an affordable mortgage. Currently, my husband has obtained a permanent position with his employer and this even makes affordability much better for the long term since it was due to husband being per diem with his current job. On a daily basis, there are constantly people who visit my property in the day while my XXXX children are home taking pictures, surveying the property, this is very terrifying when my daughter is constantly calling me sayings things like " Mom, they are looking around the house again or saying " Mom, someone is in the driveway again ''. I have to constantly reassure here not to worry herself. I have XXXX school aged children and I am pleading with you to help me save my home as Nation Star keeps denying my request.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Customer service / Customer relations

Complaint: I contacted Wells Fargo bank regarding my credit card which is 2 months past due. I was trying to resolve this matter but was transferred 4 times. Once I located a person to speak with they informed they are located in XXXX and this guy was VERY RUDE!!! He wouldnt work with me at all. I tried to request a supervisor and he sent me back through automated recording. I explained to him why i was late on this bill. My grand daughter passed away on XXXX XXXX 2016 and had to be off work for a time period and the guy i spoke with informed me that was not a hardship. I dont understand how wells fargo can send their customers to XXXX and be told nothing can be done about the account except pay this off. I will involve an attorney if i need to and even notify other Wells Fargo customers that i know about what has happened to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Over the last several years I have received constant phone calls about my student loan payments, when they were due, late, behind, etc, even harassing calls. I have been told different balances owed or different dates which were contradicting. I have also been denied types of deferment and/or postponments. I finally ended up not answering the calls that came in from XXXX XXXX or Navient. That is the only option I had.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I graduated with my XXXX in XXXX XXXX in XXXX XXXX and have been working in XXXX since my graduation. I expected after my first 10 years of working, my school loans would be forgiven under the Public Service Loan Forgiveness Program. I consolidated my loans through Navient and paid {$1000.00} - {$1000.00} a month starting XXXX XXXX and was never late on any payment. I overpaid on student loans and should be 3 1/2 years into the proper repayment plan to be considered for Public Service Loan Forgiveness Plan. 

I was told multiple times before XXXX not to turn in my PSLF Employment Certification Form unless I changed jobs because there was no need to do anything. In XXXX XXXX, I turned in the PSLF Employment Certification because I changed jobs in XXXX XXXX and I wanted my ex-employer 's form to be in the system. For the first time ever, I was told by Navient that my loans should be serviced by XXXX if I was doing PSLF, even though I had spoken with them about it on several occasions. For the first time, I was also told that I was in the wrong plan. I was told by a Navient representative that I should be on an income-based plan and my payment would actually be more than {$300.00} lower a month. 
In XXXX, XXXX, I transferred to XXXX and I was placed on an income-based plan. I now pay {$720.00} a month. 
I have documents showing that I was in the 10 year repayment plan and I was told multiple times that I was in the 10 year standard re-payment plan which would have still made me eligible for Public Service Loan Forgiveness. I was told by Navient that the income- based plan was a much higher amount, which I could not afford. This did not make sense to me but I was told that my representatives from Navient so I believed them, and I was told that I was in a proper repayment plan for PSLF. However, XXXX is now saying that I was in the wrong plan and wo n't give me credit from XXXX for my Public Service and payments, even though I was making less back then and paying {$300.00} more a month than I pay now. I have documentation from, XXXX XXXX, XXXX, showing that I was in the 10 year plan. 

I over paid my student loans by over {$3600.00} a year because of Navient 's misrepresentations to me since I would have qualified for an income-based plan. Also, my Public service should have been counted from XXXX, regardless of what payment plan Navient placed me in because I paid more than my current income-based plan, and I was told and have documents showing that I was in a proper payment plan for PSLF. 
My wife also had a similar experience with Navient and is filing her own complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Using a debit or ATM card

Complaint: I made an ACH debit card purchase with my XXXX Debit card which is directly tied to my Bank of America checking account. Of that original purchase of approx {$300.00}, I returned a jacket valued at approx {$70.00}. I waited several weeks for the refund of {$70.00} to post back into my checking account at Bank of America. I contacted XXXX and they insisted they posted the return. I submitted a claim to Bank of America for the refund amount of {$70.00} due to returning a jacket. After their 30 days of research and me faxing in receipts etc they denied the claim. I called back and again explained that I only returned XXXX item of {$70.00} out of the original purchase of approx {$300.00}. They have escalated the claim and assure me I will receive my refund. On XXXX XXXX I again used my ACH XXXX debit card tied to my Bank of America account for an original purchase of {$120.00}. I then returned approximately {$22.00} of that original purchase. Again the refund of my returned item did not go back into my checking account so I have filed yet another claim with Bank of America to try and get my rightful money refunded. My concern is that this keeps reoccurring and I can not be the only XXXX debit and Bank of America debit card holder this is happening to. If consumers do n't reconcile their purchase and return receipts, Bank of America is just stealing this money and not returning it to its rightful consumers. This could be a huge class action lawsuit and this process need to to highlighted and stopped!

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 Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: IN XX/XX/XXXX I purchased a truck ( joint account ) from XXXX XXXX now XXXX. I purchased this vehicle for someone so it was never my primary truck. he never made good on it so the payments was always late. as far I can know, there has n't been any activity on this acct since XX/XX/XXXX. I 've ask both the XXXX and XXXX to provide me with a payment history so that we can correct and update the DOFD ( date of first delinquency ) to determine when the negative reporting would be removed. that date keeps changing, first it as XX/XX/XXXX, now its XX/XX/XXXX. XXXX reported that I made a payment on XX/XX/XXXX. I asked them to verify that payment, because they could n't they removed it but added other dates to assumed that I had activity on this account. in XXXX XXXX they sold the acct to XXXX and they reported before I ever received mail of who they was. they are also reporting with the same info as XXXX as if this is a new account. im making a complaint to because I believe they are Re-aging my account to continue making negative reporting. as of today the DOFD ( date of first delinquency ) is XX/XX/XXXX which on the statement I provided to them is there maturity date. also they added a major delinquency date as of XX/XX/XXXX. not sure what that is but all this negative reporting has caused my report to look like I 've opened up a new acct and decreased my credit score again.. I would like for them to correct those dates and any points that have been removed be added back. I have worked hard to rebuild my credit In other areas and this has affected it again. I know that re-aging is illegal. the PDF file is the XXXX investigation and a statement from XXXX of the late payments and the XX/XX/XXXX is there maturity date and not the DOFD ( date of first delinquency ) I 'm requesting a payment hx from XXXX to verify the DOFD reported on my credit file ... the date of XX/XX/XXXX is incorrect

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Barclays continually does a HARD credit inquiry EVERY month alleging " approaching credit limit '' which causes my credit score to not only go down BUT adds additional inquiries to my total destroying my score.
THERE IS NO REASON TO ADD HARD INQUIRIES EACH MONTH JUST TO SAY APPROACHING LIMIT AND RUIN MY SCORE.
This is an ABUSE of the credit reporting system and is done in retaliation by Barclays to attack customers holding balances on their account.
My account is current, NOT over limit and not in violation of terms and conditions STOP THE ILLEGAL HARD CREDIT INQUIRIES BY BARCLAYS

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 Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent several requests to Experian to provide me with the documents that their company has on file that were used to verify the accounts I 've disputed. It 's been a few months and they have not been able to verify these accounts. As a result, per the FCRA, section 611 ( 5 ) ( A ), they are required to " promptly delete all items which can not be verified from the file of the consumer. '' Please help me resolve this issue.

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 12-10-2017 about Debt collection (Medical debt) with Financial Data Systems (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My complaint is against Financial Data System. They keep reappearing on my Credit report and I do not owe any hospital bills. I have been XXXX since XX/2017 and also receive XXXX. I have never received validation of any debt and nothing that was signed off from original creditor. I do n't know if this was billed incorrectly, but I have XXXX and all my bills are covered. This company find a way to keep popping up on my credit report after being removed several times which is illegal. Once a collection has been removed off your credit report it is illegal for all credit bureau to allow them to be put back on. XXXX cover all my doctor visits, lab and any other test. I do not owe this bill it needs to be sent to 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 03-08-2018 about Debt collection (Other debt) with ERC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: False reporting of invalid/fraudulent debts to credit reporting agency XXXX XXXX XXXX is suddenly appearing on my credit report multiple times with invalid debts. The only XXXX account that I ever had was paid in full and the equipment returned. There was no further correspondence received from the original company. I have not had nor do I currently have a XXXX account. I have also never received a letter or phone call from XXXX XXXX. Whenever I attempt to call XXXX XXXX XXXX I have troubles. They have an XXXX number that never gets me anyone as well as the contact numbers that have been left on my credit report are not in service and have not been updated, which is already evident of bad business practices. In looking up this company they have a bad rating and according to many have a shady history of doing business. These are not valid debts and are leading me to believe that XXXX XXXX XXXX is in fact fraudulent. These negative reports are inaccurate and I have yet to receive any information showing otherwise. These items should be removed from all credit agencies as they are invalid, disputed and causing negative marks on my credit report and credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Payday loan () with CNG FINANCIAL CORPORATION (CA).
Issue: Can't stop charges to bank account

Complaint: I received a a loan from Check N Go on XXXX/XXXX/2015 for {$250.00} and a loan on XXXX/XXXX/2015. The XXXX/XXXX/2015 I think I applied for but the loan on XXXX/XXXX/2015 I don ; t remember asking for and if I did the loan from XXXX/XXXX/2015 was outstanding, therefore why did they grant the XXXX loan if the XXXX had not been paid. On XXXX/XXXX/15 Check N Go deducted XXXX payment from my account of {$150.00} each. On XXXX/XXXX/2015 the loan company deducted {$310.00} from my account. When I checked my account I realized that It was a check created without my knowledge and my account had been charged @ {$200.00} for NSF. My bank is XXXX XXXX XXXX, located in XXXX XXXX, California. The loan company states that they called me at least XXXX times and called me place of employment @ XXXX times and I do n't remember any calls, and definitely did not hear from my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Bank account or service (Other bank product/service) with Fidelity National Information Services, Inc. (FNIS) (IL).
Issue: Deposits and withdrawals

Complaint: Someone is using my name in Florida to work as well as open an account that he also sent sent to collection for check system

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a collection letter in the amount of {$300.00} from CMRE a week after receiving a statement from my doctor 's office for the amount owed {$98.00}. This is XXXX of many instances of billing errors CMRE has pulled on me over the years. In many cases they say there has been numerous attempts to collect outstanding medical debt from me that I had never received a bill for from either the doctor or the collection agency. I pay all debt in full when requested in a timely manner always. I have never had to make payments on my debt. A collection agency should never be involved in handling my billing. I could have rushed to pay the {$300.00} bill from CMRE never considering if the amount was either correct or justified. Who knows if they would have ever saw the problem and refunded me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX/XX/XX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Debt collection (I do not know) with Bowen & Associates Recovery, Inc (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX of Bowen & Associates has called me several times on my cell phone and left voice mails, including to send someone to our home. I am a XXXX. The phone is listed in my name and the voice mails are addressed and intended for me. XXXX XXXX claims our family owed his client monies yet we have confirmed that the alleged, unverified amount is perhaps owed by my father 's employer. Our family does not have any ownership in that company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi, Subject : Incorrect Information On Equifax Credit Report This is with regards to the incorrect information that I have observed in my Equifax Credit Report. On XXXX/XXXX/2016, I noticed that my Equifax credit score dropped by XXXX points, from XXXX to XXXX. When I further checked my report, I noticed that there were XXXX credit cards from XXXX XXXX XXXX that was tagged to my name, while only XXXX of them which is non-deliquent belongs to me. There is the second credit card from XXXX XXXX XXXX, which has gone delinquent which does n't belong to me, which was the main cause for the drop in my Credit Score. I also noticed that under Names reported in Equifax credit report, there are names such as " XXXX XXXX XXXX '' and " XXXX XXXX XXXX '', which are not my names but reported by Equifax I have never had any instance of delinquent payment on any of my credit cards till date. But this factual error by Equifax has landed me into a credit zone where lenders would fear about my financial situation, I would request Equifax to please do a thorough verification and correct the incorrect information.

Company response to consumer: Closed with explanation