milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed this bankruptcy before several times with TransUnion & XXXX and the outcome of this bankruptcy was discharged which means it does not exist in the courts, XXXX has removed it from my report but TransUnion & XXXX has fail to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am enrolled in automatic monthly withdrawal with XXXX XXXX. Several months per year XXXX XXXX schedules payments on a weekend or a Sunday. As a result, even though I am enrolled in automatic withdrawal and the funds are available it take more than 3-4 days to process the automatic withdrawal and I start getting notifications that my account is falsely pass due. This is a sloppy and unethical business practice. XXXX XXXX needs to use best practices and act ethically as an organization. Receiving late notices when I am enrolled in automatic withdrawal is disrespectful, false, and XXXX should be held accountable for these misrepresentations. Also, 30 days for a response through XXXX 's website on any matter is not customer service and shows either understaffing or lack of concern with borrower 's concerns and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Student loan (Private student loan) with MOHELA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My loan was transferred from Mohela to  XXXX   XXXX   XXXX . I always question why at Mohela my principal would never go down even when I paid upto {$100.00} more? Then when it was transferred I had the same problem with  XXXX . I made several inquires but was told that interest was satisfied first they would go around and around about I have a 25 year loan and I must pay fro 25 years. I told them that this was a simple interest loan and why was the overage in my payments going to principal? They told me they just pay ahead interest because it is a 25 year loan. They do this to all student loans. This is not right as all student loans are simple interest as with mine as they must follow certain guidelines set forth by the Department of education. As with my loan it states I can pay as much as I want over the minimum payment and this will reduce the length of my loan as overage of my minimum payment will go to principal including no pre-payment penalty I believe this practice is on going with in both Mohela and  XXXX   XXXX   XXXX  in fact I believe they train their customer service agents to convince all borrowers that all we can do is pay ahead  interest. If 100,000 's  of student are experiencing what I have these is so dishonest that student will never get ahead and be able to pay off debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Other fee

Complaint: On XXXX/XXXX/XXXX a " Small Balance Adjustment '' of {$0.00} was removed from my BankAmericard Cash Rewards Signature Visa card account. 
This transaction was quoted as a " Small Balance Adjustment, Transaction Date : XXXX/XXXX/XXXX, Card Type : Visa and Transaction Type : Fees. 
As Bank of America is aware similar " Small Balance Adjustment '' fees have been removed from my account on the following dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX and again on XX/XX/XXXX. 
I was informed on many occasions by Bank of America that this is a system error and given various dates as to when this system error will be corrected. 
Per XXXX XXXX, a Resolution Specialist at Bank of America this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per XXXX XXXX, a Resolution Specialist at Bank of America this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Bank of America is still working on the issue and I should hear from them, Bank of America within 60 days from XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Bank of America is still working on the issue and I should hear from them, Bank of America within 60 days from XXXX/XXXX/XXXX. 
As per information provided above this same error has occurred seven times in the last eight months. 
Per a recent letter dated XXXX XXXX, XXXX form Bank Of America, signed by XXXX XXXX, Bank of America is diligently working to resolve the issue and is unable to provide a date on which the matter is to be resolved. The meaning of the word diligently, " showing persistent and hard-working effort in doing something ''. This same issue have happened for the last 7 months. Please resolve this ongoing issue so I can use my Bank of America Cash Rewards Signature Visa card account knowing I can trust Bank of America to process by account in an error free environment. In your recent reply you indicated the problem exist because I continue to remit payments to the account although there is no balance owed and/or a credit balance exists on the account. If you diligently resolve the system error that is causing this small balance adjustment the matter would be resolved.

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 08/20/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (DC).
Issue: Making/receiving payments, sending money

Complaint: I made a bill payment using TD Bank 's Online Banking bill payment feature for the first time. The bill was to be paid on XXXX XXXX, 2015 and the payee was a XXXX Credit Card. The day after the bill was to be paid, the payment was shown as 'paid ' in the Bill Pay XXXX Bill History screen but does not show as having been 'paid ' in Account XXXX Account History screen nor does it even show as being a 'pending ' transaction '. I called TD Bank customer service and was told by the agent that despite the bill being shown as 'paid ' on the bill payment screen, the bill would only be deducted from my checking account when TD 's credit card department had 'cashed ' the paper check that TD, the Bank had sent to them. They could not tell me when that would occur but that I should " keep in mind '' not to spend the money or the account might go into an overdraft situation. What kind of trickery is this? Showing a bill as 'paid ' and yet not debiting the account until some future, indeterminate time? How many TD customers must believe they have paid bills using TD Bank 's online bill pay system only to discover that they had not? If I were very cynical, this process seems another way to deceive customers into overdrawing their accounts, thereby allowing the bank to charge overdraft fees. Citibank, the other bank with which I pay bills, deducts the account at the moment the check is drawn or the electronic transfer is made. There is never any confusion there.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: I opened an account online with US Bank XX/XX/2016 with a promotional {$150.00} bonus. Their requirements were {$500.00} direct deposits or billpay. I met the requirement via direct deposit on XX/XX/2016. 

I called the bank numerous times to ask, " when will I get my promotional bonus? '' Their responses were XXXX ) XXXX weeks after first billpay ( XX/XX/2016 ) XXXX ) XXXX days after first billpay ( promotion ) XXXX ) go to in-store ( XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Application, originator, mortgage broker

Complaint: I payed {$450.00} to have their appraiser appraise my home, to have my pmi removed from my mortgage. I had no choice but to use their appraiser. The aprraisal came back XXXX under comparable homes. They apparently used the XXXX properties that would be in the banks favor to prevent me from having my pmi removed. And their appraisal is final. When I complained to Bank of America, they told me to go refinance with another bank if I could. If I knew the process was so flawed I would never of spent the {$450.00} on the process! My appraisal of my property was XXXX and witg the included document you will see that the median of recent sales is 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 07/13/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MS).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been trying to negotiate with XXXX XXXX - now NAVIENT - since 2011 to discharge my loans, based on my status as a XXXX person and, based on their standard requirements for discharge - which I have shown them I meet. I have provided ample medical documentation, including doctor 's statements and still, they refuse to discharge. They have not, as yet, put my loans into default. Despite numerous requests, they will not provide me with reasons for their refusal to discharge. There should be some reasonable recourse for me to get them to follow their own rules.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/14 at XXXX XXXX XXXX, XXXX, XXXX, Citibank alerted me to XXXX suspicious withdrawals in the amount of {$200.00} and {$300.00}. I was in XXXX at the time and did not make these withdrawals. My Citibank card was in my possession and no one else has access to my account. I immediately filed a claim and changed my passwords. I expected to be reimbursed quickly but have been denied several times, even after filing a police report. 
Citibank has violated the Electronic Fund Transfer Act and Regulation E because Citibank was notified of the unauthorized transfer within 2 business days of learning of the theft of the access devise yet your liability exceeded {$50.00}. 
Citibank 's failure to provide adequate data security, to negligently allow my account to be vulnerable to theft and to illegally refuse to credit my account for the full amount of the theft identified by Citibank is an unfair, deceptive and abusive banking practice. Their inadequate and ineffective investigation of my claim has caused significant emotional and financial distress. Customer Service has given me inconsistent information unduly delaying the claim review process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-10-2017 about Student loan (Federal student loan servicing) with ACS Education Services (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient forc ed me into forbearance and then to consolidate my loans with another service provider.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I requested my credit file not my report, I needed to know what paperwork/contents were, how  XXXX   XXXX  and Experion/  XXXX   was verifying erroneous account information. Under section  609 o f FCRA I am entitled to this informations, All companies refused, the reps have no idea of this act or section I was referring to.   I last spoke to  XXXX   XXXX   XXXX / XXXX /  XXXX  , the reps and supervisors do n't know the difference between a credit file which should contain, contracts with my signature for each creditor, I asked for who verified the information, how it is being verified This fell on deaf ears.   I am disputing an fraudulant account

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 02/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have been trying to track down and/or receive a credit balance of approximately {$11000.00} resulting from a misdirected overpayment of {$15000.00}. This has been going on since XX/XX/2018.

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 12/19/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with U.S. BANCORP (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Corresponded with US Bank by letter two times and they refuse to respond. Copy of correspondence attached as Exhibit A.

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 12/19/2017 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: For many years i have been contacted major credit bureaus and creditors to advised them regarding accounts that are not mine and open in conjunction of identity theft claim # : XXXX ; have submitted creditors and all three agencies with ID Theft Affavaid, police reports and consumer statements both via phone, online and in writing. The accounts opened in result of ID Theft are : XXXX XXXX ( 2 accounts ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXt and some accounts have resulted in collection accounts due to non payment which are XXXX XXXX XXXX, XXXX XXXX XXXX, Ad XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX, XXXX, and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: AFFIDAVIT I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 5 years. 

My name is : XXXX XXXX XXXX File Number : XXXX ( XXXXXXXX XXXX ) Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX  XXXX My current phone number is : ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Credit card debt) with FIRST CASH FINANCIAL SERVICES, INC. (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: On XX/X/17 I was informed via email from my former employer that the company card that I had lost was used that i was to remit payment for the transactions or they would file charges with the court. I recently moved to VA from Ohio, meanwhile the card was used in NY. The company has held my last paycheck and halted my XXXX pay out that exceeds the amount being asked for. telling me i only have XXXX hours before I 'm arrested. I had a breach with my personal bank account and I was not aware that it had also affected my assumed to be closed work account because I no longer work for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Other debt) with Southern Management Systems Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX  is stating that I owe credit protection {$370.00}. XXXX and XXXX has confirmed that the collection is not mine and has removed it from my credit score, however XXXX is still holding on to the collection for some reason. Is there anyway this collection can be removed from my credit report? Southern mgt. is stating that I owe them XXXX as well, however XXXX, XXXX, and XXXX  has confirmed that the address associated with the collection does not belong to me, however the collection is still showing up on my credit report can this collection be removed from my credit reports? Please if you can help me in anyway possible it would be greatly appreciated. Thank you so much, I appreciate any help you can provide 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 03/25/2015 about Mortgage (Conventional fixed mortgage) with NEW YORK COMMUNITY BANK (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Filed an insurance claim on Homeowners for a plumbing leak on pool equipment which failed my pool deck. begin bid process XXXX 2014, submited to insurance which paid immediatly. Portion of funds went to NYCB, submitted all necessary documentation to NYCB, scheduled work to begin after a month of phone calls NYCB finally sent XXXX draw of 3k on 26k project, minimum XXXX draw requested by contractor is 30 %, weeks went by along with several phone calls and letters. contractor showed up to schedule and recieve XXXX draw, and rejected amount submitted by NYCB and declaired thier company wishes to not do business with me in fear of payment delays by my mortgage co, NYCB! Here we are in XXXX, XXXX months later and work is still not in progress, NYCB still controlling and dictating disbursement amounts for work to be completed. every call made, all you recieve is a different story, a request for different needs and or request of missing documentation. In speeking with my insurance company, they also have never had dealings with such a poor managed institution. We are not in risk of missing the window of oppertunity in the sale of our home, all due to the neglect an unethical business practices within NYCB. 
32k project today as opposed to the 26k a few months back, is expected to take 4 days from start to finish, NYCB request multiple inspections throughout process which i welcome, the 16k in which NYCB now holds in only half of what is required for this project, i am unable to submit supliment to insurance untill NYCB pays out the XXXX, this being said my family will end up paying more Out of pocket for an extendended amount of time all due to NYCB practices. Loss draft dept, is well trained at apoligizing and under trained in processes. why do i say this, because everyone you speak to tell you something different. NYCB is so behind time, they do not offer byweekly payments allow customers to pay down there note. choose wisely before considering NYCB

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Inadvertantly found out through local court system that they are trying to issue a civil warrant for my husband and I. showing on court website that a civil warrant has been issued for us. it lists XXXX and the attorney who filed complaint against us. so I XXXX the attorney and call the number. they answer as Wakefield and Associates of XXXX tn. I give ss number as I have no account number and they tell me that im being taken to court over a medical bill from 2012 to XXXX XXXX. I ask why I had not been informed of debt, and lady tells me that they dont have to inform you of anything. they have never sent anything to me regarding the debt, not even a phone call. Just automatically sue for XXXX thats after theyve added fees and interest supposedly. How can this be legal. I called my medical isurance, they needed a form filled out, and would then pay the claim, but Wakefield and Associates says we still have to get sued. i dont even know the amount of debt owed to the original creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AP).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX/XXXX/XXXX Direct Sub Stafford Loan Repayment {$8000.00} XXXX/XXXX/XXXX Direct Unsub Stafford Loan Repayment {$2400.00} XXXX/XXXX/XXXX Direct Sub Stafford Loan Repayment {$8200.00} XXXX/XXXX/XXXX Direct Unsub Stafford Loan Repayment {$2500.00} XXXX/XXXX/XXXX Federal Stafford Loan Repayment {$5100.00} XXXX/XXXX/XXXX Federal Unsub Stafford Loan Repayment {$2000.00} XXXX/XXXX/XXXX Federal Stafford Loan Repayment {$2600.00} XXXX/XXXX/XXXX Federal Unsub Stafford Loan Repayment {$2300.00} This list is actually higher than when I started paying on my loans several years ago. To date I 've paid : Principal Paid : {$3300.00} Interest Paid : {$7600.00} Amount Paid : {$10000.00} I have made several attempts for an explanation. Contacting by phone is troublesome as I reside overseas ; both costly and timely. I have made two attempts at loan forgiveness ; as a public service worker ( XXXX ) and been found ineligible. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation