milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2016 about Bank account or service (Other bank product/service) with FIRST NATIONAL BANK OF OMAHA (CO).
Issue: Account opening, closing, or management

Complaint: First National Bank Omaha - horrible customer service. 
Of course - they are the BANK so they are always right. I am only the customer confused by the inundation of unwanted offers and e-mails from the BANK. 
So decided to try an offer - a balance transfer from XXXX XXXX. I wanted to transfer {$200.00} using their " no transfer fee '' offer. Apparently I used the wrong check and was charged {$10.00} on a {$200.00} transfer. Usurous. That is an instant 5 % penalty. They were VERY unsympathetic. They got my {$10.00} for that tiny transfer! High fives!!! 
When I contacted the BANK and told them I intended to use a different offer, they were VERY unsympathetic and just told me they could n't do anything. We all know they could - so not only are they customer unfriendly but they are liars. They got my {$10.00} and to XXXX with what I wanted. They also misclassified the transfer as dept store/ retail - not a balance transfer from another card. 
But they are the BANK and always right. Note the unsympathetic response. 
Here is the classification they claim is correct : XX/XX/XXXX XX/XX/XXXX BALANCE TRANSFER - FNBO Retail/Department Stores {$200.00} XX/XX/XXXX XX/XX/XXXX BAL TRAN FEE - XXXX Retail/Department Stores {$10.00} This was a transfer from XXXX XXXX business cards so we can clearly see that the BANK did everything correctly. The classification of the transfer is my fault. Somehow. 
How do my balances increase when I have n't made any charges - I 'll include on example, there are others. 
Charge Summary XXXX 2015 Purchases 13.99 % ( v ) {$670.00} XXXX {$7.00} XX/XX/XXXX PR Special 9.99 % ( v ) {$620.00} XXXX {$5.00} XX/XX/XXXX BT Special 5.99 % ( f ) {$490.00} XXXX {$2.00} Charge Summary XXXX 2015 Purchases 13.99 % ( v ) {$670.00} XXXX {$7.00} XX/XX/XXXX PR Special 9.99 % ( v ) {$620.00} XXXX {$5.00} XX/XX/XXXX BT Special 5.99 % ( f ) {$550.00} XXXX {$2.00} How did the balance increase from {$620.00} to {$620.00} when I had made NO charges. 
This BANK is horrible. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX was Deleted because I disputed them on late payments to all XXXX credit Bureau. I disputed them because I was never late on a payment so they removed my history and I have been turn down for new credit card to transfer balance and new line of credit due to no credit history insufficient credit history not enough credit information from my own XXXX XXXX and XXXX who I am a active member now. My loan with XXXX XXXX was for 5 years the loan has been pay in full. God bless you and your Family!

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 02/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (GA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have been an excellent Chase Bank customer for over 5 years. I have used my premium credit card account and spent over $ 25K yearly. Over the past week I have been traveling outside of the US and have contacted Chase to request them my card activation outside of the US. I have been able to use it a couple of time and today - XX/XX/2018 my card has been declined. I have contacted Chase and been informed that all my accounts - 5 credit card accounts all with a total credit limit of over $ 60k - have been closed for no reason. I have requested an escalation and been informed that a supervisor is not able to receive my call. After contacting Chase multiple times and insisted on being provided some information about their decision, I have been left without a credit account to use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2017 about Debt collection (Credit card debt) with Firstsource Advantage, LLC (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I spoke with XXXX who attempted to collect a debt owed, he said on a recorded line that I owed an amount plus interest and fees and he would be able to settle for less ... from my knowledge and written proof as well as verbal confirmation from a supervisor .. only XXXX amount is subject to collect, XXXX XXXX made it seem as if he was giving me a deal by asking for less .. which is false information tactics in order to collect a debt I would like the collection agency to stop and the original debt to be removed from my credit reporting agencys at once.

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 04-11-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I had to cancel a label I created with USPS on XX/XX/2016. I received an email from USPS on XX/XX/2016 ( attached ) stating that my refund request was approved. I am attaching another document from USPS stating that they refunded my account on XX/XX/2016. The problem is that B of A debited my account again on XX/XX/2016, they did not credit my account like they were supposed to. B of A told me that they ca n't give me back my money because it has been over 60 days. In my opinion B of A stole {$27.00} from me since they put in the second charge on XX/XX/2016 in error, and they did not credit me like they should have. A B of A manager told me that it was my fault that I did not get my refund, because I did not check my statement, I did not think that I had to monitor something that should have been done correctly.

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 05/19/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan servicing was purchased by Ocwen XX/XX/XXXX. Shortly thereafter they started to impound our account for both taxes and insurance. Impounds have never been part of our loan agreement. When I called to question why they are charging impounds, no one could answer my question for the XXXX few months since my loan docs were n't uploaded to their system. So, they did n't have my loan docs, yet they were impounding my account. And of course, it cost me valuable time and many phone calls to finally have them read our loan docs and realize their error. 
Then, they did it again in XX/XX/XXXX by paying our property taxes and impounding our account. Again, without telling us and again not part of the loan docs. And again putting me through the hassle of getting this taken care of. They have been a disorganized mess from Day XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I signed up for automatic debit payments from Navient. Navient would take the payments from my account. I would have to call and make the payment over the phone. When talking to them, they would say it 's something wrong my bank account which cause them to not pull the payment. I use the same account to make the payments over the phone. My account always their payment in the account but Navient will say I had insufficient funds in my account. My bank and I have talked and proved there was enough money in the account to make the payment. Navient charges a late fee each time it 's late and it is ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have had my American Express card since XXXX. It has always been set up on autopay and i have never missed a payment on this or any other credit account i have ever had. Apparently in XXXX there was a problem with the autopay and for some reason the account has been marked as 30 days late on my credit reports. Causing my excellent credit rating of 800+ to drop well over 100+ points! I am very disappointed and can not have this negative remark on my excellent credit file. I am requesting that since i have always been a on time paying member to American Express and that i had no idea the account payment didnt go through that they remove the late payment reported in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX Navient has accused me of being late on making payments, once in XX/XX/XXXX and again just this month for XX/XX/XXXX. In each case I have made payments for the amount owed, and each case Navient calls XXXX to XXXX times per day, they have sent letters, and I have spoken to XXXX sperate representatives. Navient reps. have told me it is against company policy to stop collection activities until they can update their system, even after I provided proof of payment. I have been receiving harassing phone calls many times a day for the past XXXX weeks, and I am told I would have to wait at least until the end of the month for the system to update. On top of the harassment, the amount I supposedly owe is XXXX and sometimes almost XXXX the amount I owed in the first place. Navient is harassing me and trying to collect on fraudulent fees and nonexistent past due payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Mortgage (VA mortgage) with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Closing on a mortgage

Complaint: I applied for a VA fixed home loan with BBVA Compass and mortgage loan officer ( XXXX XXXX XXXX ) has failed to comply with VA loan requirements, by charging fees I am exempt from. I am a XXXX U.S. military veteran applying for a va home loan. They have not contacted me and or even ignored my phone calls and emails regarding my VA home loan. When I call to check on the status of my loan several representatives of the bank seem to send my in a phone call circle with the end result in no information and just more people to contact just to check on the status of my loan. When I call the following phone number some company answers with the name XXXX. That company is nowhere to be found on any paperwork or documents that I have received from XXXX XXXX or the BBVA Compass bank institution. It is now XXXX XXXX, XXXX a week from the date I found a home to close on and since that time I have not heard anything but it is in underwriting. That was the status last week and that is what I was told today. I have called the bank to check and see if XXXX XXXX even works for BBVA Compass and they gave me the following phone number which I do not have from him ( XXXX ) XXXX. I have 4 phone numbers for him and that is not XXXX of them. Those numbers include XXXX, XXXX, XXXX and the supposedly company phone number XXXX. XXXX is the phone I have called a few times and it is answered by some company called XXXX if I am spelling it correctly. These people have all of my personal and financial information yet they remain unresponsive in their communications concerning my VA home loan. Every phone number I call for BBVA compass sends me through several repeated prompts that take forever to reach a person. This is not the first home loan I have applied for with this company and the process was a lot quicker, however the home was contingent upon the home inspection and was declined by me the purchaser.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am
one of the many citizens impacted by the Equifax hack. I was never directly contacted by the company to inform me of this, even though they have my personal information. This XX/XX/XXXX, I was the victim of credit card fraud of over {$7000.00}. I do not know if this event is related to the Equifax
hack, but the timing is suspicious. Fortunately, my credit card company has reversed these fraudulent charges, but I have spent many hours on the phone resolving this issue.
In addition to signing up for the free credit monitoring service for 1 year, I plan to freeze my credit tomorrow morning. From what I have read, this might have a charge associated with it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IN).
Issue: Loan modification,collection,foreclosure

Complaint: My soon to be XXXX XXXX XXXX mother has been trying to submit her application to Ocwen for seven months. She has resubmitted information five times. Each time she is scheduled for a phone interview Ocwen representatives tell her she has not complied with some part of their paperwork process. Her information has been reviewed prior to sending, and is correct, yet each time, the representatives say that they are not saying she didn n't send it, just that they did not receive it. Her initial application was XXXX of 2016. She has been told that she now has to redo the complete application because she is outside of the 90 day time frame. Ocwen is stating they reviewed the case on the XXXX day and that she is missing the same information she already provided. They are stating she must start over. She began the process due to illness and being off work. She is behind on her mortgage, but has not stopped paying.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Balance transfer

Complaint: I initiated a balance transfer from Chase bank XX/XX/2016. No where did the offer define how much my minimum payment would be. The transfer amount was {$13000.00}. Unfortunately I have been using balance transfers for years and usually minimum payment is very minimal. I was shocked when I received my bill after the balance transfer took place telling me the minimum payment due was {$660.00} First I called the credit card department and was told that was just the way it was. Then I went into my local bank and spoke with a banker and then the bank manager. Both of them looked everywhere, on the bill, the balance transfer offers they send and nowhere could we find how the minimum payment is calculated. The bank manager and banker did call and speak with the credit card department on my behalf as they agreed with me about how could they charge that type of a minimum payment without letting me know. 

Finally after the fact they sent me a brochure which in very tiny print said something about minimum payment is either XXXX percent or XXXX percent of the balance. The bank manager tried to speak with the credit card department to no avail. I remember them speaking about how is the XXXX percent vs XXXX percent of minimum payment decided to no avail. I also called the executive offices and was told they would try to help and their goal would be to adjust the balance transfer fee and would get back to me but never did. I would just like others to be aware. I have excellent credit and thank God I had the means to go elsewhere, however did cost me the transfer fee and a lot of grief.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: There is a student loan on my bureau that I am not signed on. I contacted XXXX   and they could not find the original promissory note. I disputed this with the three credit bureaus. They left the item on my file. I had been told that the credit bureaus do not send disputes on student loans to the student loan entity but simply respond to all disputes as " consumer disagrees ''. I would hope that this is not the case. But since XXXX was unable to even produce a document showing my liability on this loan, someone in this process is guilty of negligence, if not willful negligence. 

I want this item removed from my file as provided in the Fair Credit Reporting Act. 

Account 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 02-04-2016 about Debt collection (Credit card) with DISCOVER BANK (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was attempting to settle a debt with XXXX XXXX. I talked with XXXX on XXXX separate occasions for pay off. The first time it was {$2700.00} about six weeks ago. Then I contacted XXXX again 3 weeks ago and he said it was {$2800.00} ( interest added ). I was waiting to get closer to when I could pay this debt, so I called XXXX XXXX. XXXX explained to me the debt was now {$11000.00}. Apparently what happened was the bank i was working with called XXXX XXXX to get a payoff. XXXX XXXX then realized more money could be available, so they changed my payoff to {$11000.00}. 
My problem is the loan will not be approved know because I do not have enough equity to pay the additional {$9000.00} needed for the loan to go thru. 
They also asked to see my Loan Estimate and Closing disclosure ... .and they would consider reducing the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX I received XXXX 's credit card in the mail at my XXXX address, account ending # XXXX. I reported identity theft to XXXX 's - XXXX XXXX XXXX. XXXX 's processed claim to close card. I received letter dated XX/XX/XXXX to my previous address in XXXX XXXX, IL XXXX that I had applied for XXXX 's credit card - XXXX  XXXX XXXX Ref ending # XXXX. I contacted XX/XX/XXXX to report identity theft. I received another letter dated XX/XX/XXXX to my previous XXXX XXXX address that I had applied for XXXX XXXX XXXX credit card -XXXX XXXX Ref # ending XXXX. I contacted XXXX XXXX on XX/XX/XXXX to report identity theft. XX/XX/XXXX Called XXXX XXXX to report identity theft on XXXX XXXX XXXX credit card inquire ref # ending XXXX. XX/XX/XXXX pulled credit report, submitted fraud alerts with all 3 credit agencies, submitted Police Report and Identity Theft Report to Federal Trade Commission. XX/XX/XXXX Submitted extended fraud alerts via mail request and mailed dispute requests to credit card companies and credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have spoken with numerous people in regards to this issue as well as sent several certified letters. I know nothing of the medical bills from XXXX. I asked for written verification as well as signed contracts with my signature for XXXX ... there were XXXX accounts on my report for XXXX in which XXXX were deleted yet XXXX remains and EQUIFAX JUST REFUSE TO DELETE ANYTHING AND REFUSE TO SEND ME WHAT SIGNED CONTRACTS ... .AS well as other companies with medical bills I have no knowledge of from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXXXXXX XXXX on my report in which I have asked numerous times for valid validation ( signed contracts with these companies with MY SIGNATURE ... dates etc ... ..I HAVE NOT RECEIVED ANYTHING yet they still appear on my credit report as mine ... HOW IS THAT POSSIBLE? ..HOW ARE THESE FRAUDULENT ACCOUNTS VALIDATED? PER THE FAIR CREDIT REPORTING ACT THESE COMPANIES ARE IN CLEAR VIOLATION OF MY RIGHTS ... HIPPA LAWS AS A THIRD PARTY REPORTING AS WELL ....

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ().
Issue: Money was not available when promised

Complaint: Dear Team, Please intervene for money gram to give me my funds

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Payday loan () with Moneytree Inc (WA).
Issue: Payment to acct not credited

Complaint: Opened an account with XXXX in XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX. I recently went into Moneytree to cash a check and I was informed by the XXXX at the XXXX, WA location that I would have to pay half of what is owed to them in order to cash the check. I refused as I had filed bankruptcy and the statue of limitations had already passed on them to collect.

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 02/16/2016 about Debt collection (I do not know) with WELLMONT HEALTH SYSTEM (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I recieved a letter stating the were going to file a civil law suit. That this was the last letter ( which is the only letter ) I have received. The said the debt came from the CREDITORS. That is it. I do not have a clue who the CREDITORS are. I do not want to get sued, but I do usually give someone XXXX and not know why. Can you tell me what I can do? MCOT XXXX, Tennessee

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation