milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: On the morning of XX/XX/XXXX I went online to make a transfer from my savings account into one of my checking accounts with Regions Bank. I noticed in my online portal that there were some pending charges. I also noticed that I was assessed an overdraft fee of {$100.00}, however, the balance at the time the fee was assessed was not negative. I completed my transfer and called to get clarification. The representative told me that while the pending charges had not been taken from my account ( or even been requested from the merchants ) they had preemptively applied them to my balance, thus creating a negative balance and charging XXXX separate overdraft fees to previously made transactions that had already posted, even though the balance after these transactions was still positive. I was rather confused, because this same policy is not applied to deposits, even if transferred with another account within the same bank. When I pushed the issue, I was told that my banking portal was not the same portal that the bank uses, and therefore they were seeing charges and assessing fees based on their interface. Basically, while customers have access to the transactions on their account right away in the portal, the online interface does not calculate balance in the same way that the associate interface calculates balance. So, while customers see that transactions have been covered with a running, positive balance, the bank sees something different. This is deliberately deceptive and misleading. Although the bank claims that this online banking interface is just a " tool, '' the fact that they do, in fact, have access to information that they are not updating in the portal leads to issues with customers ' understanding of their bank balance, especially when transactions are posted in the customer portal in such a way that it appears that the balance available is still positive. Assessing fees based on projected fund withdrawal, while not counting projected funds deposited is unfair and, at best, questionable. I would be interested to know how much money Regions bank has stolen from customers by assessing fees based on projected account activity. If this is their policy, then all customers should have access to the same account information through a comparable interface, rather than one that is intentionally set up to confuse and manipulate the customer. Surely, this ca n't be a fair and ethical practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NAM National Arbitration and Mediation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from ADR Group located in California ( XXXX ) XXXX. One of the clerks on the phone did not identify themselves.The clerk verified me by a last name I had not used since XX/XX/XXXX and last XXXX of my social then told me I owed {$540.00} to XXXX from an account that was open from XX/XX/XXXX to XX/XX/XXXX. I have not had an account with XXXX. I told the clerk that and she said it did not matter because she had my information and the debt was mine. She said they are going to take me to court and I can try to fight it there. I told her I live in Texas and the statute of limitations to sue someone for a debt is 4 years under The Texas Debt Collection Act. She seemed a little confused, and I told her they should be familiar with the laws for the state in which they are trying to collect a debt, even a false XXXX. She said it did not matter and I would have my day in court. I have received nothing in writing from this business. I spoke to a gentleman at the Texas Office of Consumer Credit Commissioner and he informed me for this business to attempt to collect a debt in Texas, they have to follow Texas laws and register with the Secretary of State and pay a {$10000.00} surety bond. He stated he could not find ADR Group having registered. I feel like this business is trying to bully me into paying for something that is not mine by using illegal tactics and I feel they might be doing it to others as well. I tried to contact the company again and they put me on hold and would not speak to me.

Company response to consumer: Untimely response
Consumer complaint received 08-04-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Husband lost job on XXXX XXXX, XXXX. Last payment made was XXXX XXXX. Unemployment ran out in XXXX. We moved to XXXX to find jobs near daughter. Home was on the market since XXXX XXXX and we were working with OCWEN for Short Sale. Husband obtained job in XXXX, XXXX, but payments were severely in arrears. We have had two offers on the property ; first buyer backed out, second is still waiting. We have submitted everything OCWEN asked for and they have confirmed the receipt of these documents. We are still waiting for an answer to our buyer 's offer. We were served with foreclosure paperwork XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: On XXXX/XXXX/2016 I requested a freeze on my Equifax credit file over the automated line XXXX. 
The freeze request was accepted. A letter was to follow with my XXXXdigit pin number. 
Over one month later nothing has been received. Equifax has my correct mailing address as I have recently received mail from them. So now I am locked out of my Equifax credit file. 
There is no person customer service number for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2016 my husband and I paid off our Mortgage Loan # XXXX at Fifth Third Bank on Butternut in XXXX MI. To date we have not received a discharge of Mortgage or release of lien on our home. I have spoken with a representative at their customer service department who told me I could go to the XXXX for that information ; we did not make our payments to XXXX. I have also spoken a number of times with XXXX, a manager at their XXXX Branch ( the Branch where we did business ). Each time I have spoken with XXXX, I was told to expect " something '' in the mail or that I would get a call to pick it up at the branch. After a month of repeated calls I have yet to receive anything!!! Is it not a normal course of business for a lender to provide evidence of a satisfied debt to their customer? In the past when paying off a mortgage/loan I have received the original note marked " discharged '' or " satisfied ''. Is this an unusual request?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I submitted a multiple inquiry letter to the credit bureaus asking that the inquiries be removed in XX/XX/XXXX.
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The company XXXX XXXX XXXX XXXX, which I did not give authorization to share my information with multiple companies, which resulted in multiple inquiries on my credit report XX/XX/XXXX and XX/XX/XXXX with  XXXX, XXXX, and Equifax credit reporting agencies.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (GA).
Issue: Money was not available when promised

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, On XXXX XXXX, 2015 Paypal limited my business account privileges and on XXXX XXXX, 2015 Paypal limited my personal account privileges.My funds were placed on hold. I have contacted multiple representatives and submitted all additional information in order to resolve this issue. Unfortunately, Paypal has refused to remove limitation from my accounts. I never had any problems with my buyers. In addition, my buyers called and emailed Paypal on my behalf stating that they have never had any issues with me and that all transactions were done in a timely manner. 
By suspending me without reason or explanation, Paypal has violated its own Terms of Service. I want my business and personal accounts to be reinstated to have a full access to the accounts privileges. 

Business Account ID : XXXXXXXXXXXX Personal Account ID : XXXXXXXXXXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This is for XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX I paid off all of my loans in full in late  2015. Suddenly they are showing a {$0.00} balance on my account and have restarted my autodebit payments, and were about to debit for the full amount ( {$480.00} ). I had a long, very tense call with them where I was mostly on hold and they gave me a LOT of conflicting information. All they've done for now is suspend the one autopayment, but I'll need to do it again and meanwhile their system is still showing a tiny balance which they haven't corrected. I'm afraid this is going to balloon into a much bigger problem and I'm also worried about what other clerical errors they've made with my account and others.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-08-2017 about Debt collection (Medical debt) with Sequoia Financial Services (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted XXXX because Sequoia Financial Services kept checking my credit and had 5 bills of mine totaling almost {$17000.00} ... the original Total was over 50,000 and the hospital absorbed 95 % leaving me with a balance of {$2600.00} ... I never received anything from the hospital and it was sent to collection almost immediately even after the financial agreement ... They also retrode it to cover past and present ... I only received {$14000.00} of that {$50000.00} total and bills the rest I never saw ... And Sequoia also had two bills for over {$6000.00} that the hospital never sent me from XXXX and I do n't think I was even there ... When I filed the dispute with XXXX on XXXX XXXX I sent them the documents from the hospital as well as my letter asking for the financial assistance ... On XXXX XXXX XXXX  removed every single one of the Sequoia charges because they were not valid ... Then on XXXX XXXX I got a letter from Sequoia Financial Services stating that I owed them {$12000.00} and that amount almost {$1700.00} was interest that they illegally charged to my account on fraudulent bills ... those two bills for over {$6000.00} for not included in their total I do n't even think that they were real bills ... and the worst thing that they did was they somehow illegally obtained my very private and detailed emergency room visit that nobody should have ever seen ... I know this because Sequoia sent it to me and I was floored ... I have never heard from them since and a couple days ago I got a bill in the mail from another collection agency called XXXX XXXX XXXX and they have purchased one of my accounts from Sequoia ... this company is the worst and they have so many complaints against them I ca n't even understand how they 're still allowed to be in business ... They are Crooks and they are breaking the law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: On XXXX/XXXX/2015 a hard inquiry was made on my credit report by XXXX XXXX XXXX. I went to the Car Dealership and spoke with a XXXX XXXX who admitted to pulling my credit report because he got my information from a third party source by the name of " XXXX XXXX ''. Regardless of whether or not how he got my information, I never consented or agreed for this car dealership to pull my credit report. He stated that he receive leads from these companies and use the information to run credit in order to see if companies pre-qualify for auto loans. This company never informed me or received my consent to run my credit report, which was a hard inquiry that causes my score to decrease. I am trying to rebuild my credit and these reckless inquiries damages my credit more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Payday loan debt) with Advance America, Cash Advance Centers, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The following agency is not bonded in the state of Texas, and can not legally collect debt. Please remove from my credit report and confirm that the debt is not owed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: It 's not that there is incorrect information on my report, it 's that there is very important information that is missing and should be included on my report. I sent all XXXX reporting agencies complete copies of my XXXX XXXX home mortgages and also an equity loan on the XXXX house, all paid off. I was told by them that they will not accept documents of proof from me and that they only will put on a report what the mortgage companies themselves send to them to report. I can not have these past mortgage companies report to them my good credit with these loans, because the mortgage companies no longer exist. So I 'm asking if somehow this can be rectified because as a consumer I have every right to have all my good credit history absolutely on my report and right now it is not on there. It is not fair that my credit is judged without these items on there, so I 'm hoping that somehow this can be solved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (NJ).
Issue: Unexpected or other fees

Complaint: I recently made an XXXX sale of {$65.00} to a buyer with a US shipping address. However, when I checked the associated PayPal transaction, I found that PayPal had charged a non-US fee rate of 4.4 % + {$0.00} instead of the US fee rate of 2.9 % + {$0.00}. The buyer had a verified US address but was allowed to use a non-US PayPal account. This situation is unacceptable because sellers have no way of assessing their net earnings if PayPal 's fee is undetermined at the time of purchase. There was no advance notice of the seller using a non-US account, so I could not have anticipated the non-US fee rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/26/2016 about Debt collection (Payday loan) with Guidiville Indian Rancheria (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: i am receiving threating calls from a company called XXXX the person contacting me name is ( XXXX ) he is stating that XXXX is trying to press criminal charges on me if i dont pay back this payday loan and they are coming to my job and house to summit paper for me to go to court and go to jail. there phone number they keep calling from ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Medical) with Receivable Solutions, Inc. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We 'd been making regular payments for a health expense since last year. Early this year, the payment checks sent were not cashed for months and the balance was not updated to reflect that. Bills were also sent sporadically. RECEIVABLE SOLUTIONS decided that this meant that we were past due and sent us a letter stating that our account would be sent to collections in 10 days. I had absolutely no confidence that even if I sent them a check, that it could be processed within the 3 business days ( when you subtract weekends and mail transit time ) because they have historically waited months. So I called before they sent the account to collections and they informed me I had to pay that day. They completely acknowledged that the checks were not always cashed in a timely manner by them, but refused to cancel sending the account to collections. So I paid the full balance right then to be rid of these people using my personal credit card instead of my tax sheltered HSA account, costing me about XXXX % extra. There was probably also an extra fee tacked on for paying by phone. 

I have a credit score of XXXX and have no problem whatsoever paying my bills. This company is using the threat of collections based on their own poor processing of payments. They have fully earned and deserve a harshly worded letter from CFPB telling them that a payer can not be considered delinquent due to the payee 's own slow payment processing.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: there was a debt that originated in XX/XX/XXXX-XX/XX/XXXX for a cell phone with XXXX. XX/XX/XXXX the debt was voluntarily discharged. that was the last time I heard from this company. I have n't received any mail or phone calls in regard to this debt from this company. but XXXX/XXXX/15 they were able to garnish my acct for all my money. left me without a dime to feed my kids. I have XXXX kids from ages XX/XX/XXXX today is XX/XX/XXXX and I still have n't received anything from this company. but they sent notification to my credit union on XXXX/XXXX/15 .... why have n't I received anything?

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This account below is paid in full but showing a balance. 

XXXX XXXX Last reported : XXXX XXXX, XXXX - {$39000.00} Good EDUCATIONAL XXXX Last reported : XXXX XXXX, XXXX - {$52000.00} Good

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 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently obtained a copy of my XXXX  credit report. it showed a credit inquiry by your company " SYNCB/XXXX '' that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: My Home Depot/Citibank credit card recently warned me of " Interest on Promotional Purchases will be due shortly ''. However I never knowingly made any " deferred interest '' purchases and was NOT made aware of these purchases until now. I tried to resolve this with Citibank though they refused to acknowledge this deception. Please advise. Thanks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX, 2016 Consumer Financial Protection Bureau XXXX, IA XXXX NEVER AUTHORIZED PEN FED TO RUN MY CREDIT AT ALL FRCA Violation On XXXX Reporting On XXXX XXXX, 2016 By Equifax I have noticed that you have placed one or more inquiries on my credit file ( s ). As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Please contact me immediately at the address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. No. XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a Public Record on my credit profile that is inaccurate in its filing. The derogatory is " Dismissed '' which means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. Although the procedure is dismissed, the credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation. I have a right by consumer law to have knowledge and/or document of WHO VERIFIED!!! This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation