milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2017 about Bank account or service (Checking account) with COMMERCE BANK (KS).
Issue: Problems caused by my funds being low

Complaint: Commerce bank says I have an available balance of XXXX, but they say I 'm overdrawn too. My account never went below zero. They have collected a bunch of tiny transactions for stuff that I purchase everyday. Like eight four dollar lunches. This way they can charge me a fee for each one. Remember my account never went below zero. I have {$200.00} in my wallet. This wo n't help. I could deposit a million bucks at this point in and it would n't help, because for a moment in time by their crazy accounting, I was " overdrawn ''. It is n't even the one transaction for {$300.00} that triggered this that i have to pay for -- it is a bunch of tiny transactions. This way they get to charge me for each one, turning a {$20.00} overdraft fee into a {$200.00} overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Managing the loan or lease

Complaint: On XXXX, 2017, we purchased our leased vehicle from Chrysler Capital. As part of the purchase price, state taxes were collected. These were to be remitted back in order to pay the taxes due a time of registration of the vehicle. Upon sending the paperwork to our lender ( Bill of Sale, etc. ) a check should have been sent. However, it was not. My first phone call resulted in them telling me they would have to send an email to research it and it would take 3-5 days for a response. I called back, and was told the check was mailed to my bank. I called back again the next day ( after learning no check had been received ) and spoke to another person who indicated the check had not been sent. They sent me to the Office of the President. The next person I spoke to advised they would remit a check, to me, and overnight this. They advised they would call me to let me know once this was completed. I never received a call. I called back the next day, and was told they were " researching it '' with XXXX who was a manager. I then received a phone call back that indicated they mailed the check on XXXX to my bank. My bank has not received the check as of today. As a result of this, my ability to register the vehicle has been impacted and I have received a communication from my bank indicating they could call my note due and payable as I do n't have this registered within the required 30 day timeframe. In addition, I now have to pay penalties for a late registration. I still do n't have this resolved. Chrysler Financial has given me the run around for almost a week, has told me different information during every call and the matter is still not resolved. In addition, per the Missouri Dept. of Revenue, Chrysler Capital is not " authorized '' to collect taxes in this manner for the state of Missouri. When we initially talked to Chrysler, we were told they would remit the taxes to the State of Missouri, which they have not and are not authorized to do so in this state. Chrysler Capital held my funds for 25 days potentially, which is a complete contradiction as to what they stated they would do at the beginning of this process.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I do n't even know where to start. I have disputed this on consumerfinance.gov multiple times. There is INCORRECT information on my Equfax report that no one seems to be able to correct. Equifax says they verified with XXXX ( # XXXX. ) XXXX ( # XXXX ) says they do n't handle credit card divisions of the XXXX XXXX XXXX XXXX , XXXX and XXXX XXXX . XXXX gave me another phone number to call, and they answered identifying themselves as XXXX ( # XXXX ). They told me to have them do a credit bureau inquiry for my accounts. The first XXXX ( # XXXX ) phone number XXXX said they do n't understand why the credit report has their phone number. THIS is the XXXX ( # XXXX ) that is showing incorrect information. They said they ca n't see my actual account to confirm I have zero balance. They gave me number to another XXXX ( - # XXXX ) XXXX who tells me they have the same information that I have showing zero balances, and dont have any idea who the " other '' XXXX ( # XXXX ) isXXXX XXXX # XXXX ) tells me to dispute this discrepancy, which I have through consumerfinance.gov and directly with Equifax. Equifax tells me to call synchrony bank and have they make corrections. These errors have caused my credit score with equifax to drop by XXXX points. I have been turned down for a loan due to this. XXXX told me to write to to FCRA. When I look up information for FCRA- it sends me to -- XXXX! 
I have a zero balance with XXXX XXXX and XXXX XXXX. My balance with XXXX is incorrect. My good credit standing with XXXX XXXX showing a {$5000.00} credit limit paid in full has disappeared from Equifax ONLY & gt ; I am at wits end. I will contact he consumer reporter at the news station and see if they can direct me somewhere that can help. I expect consumerfinance.gov to be able to figure this out. The letter I received from Equifax today says they " verified '' this information with XXXX and it is staying on my report Obviously they did not verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Bliksum, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continues to call ALL day throughout the day from different area codes, different customer serv reps which always asks me the same questions over and over again, never updates my account, will not mail a copy or email my account, I have received numerous emails with incorrect information, can never speak to anyone in the collections dept, I have been left on hold to speak to a " supervisor '' and the list goes on. So, I stopped calling them to rectify my debt, I am truly sorry I ever did business with this company, I believe they are a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have never received anything prior to a collection showing up on my credit report. The law states that consumer should be notified 30 days prior to listing anything on credit profile. This company is stating they are collecting on behalf or XXXX XXXX I have no contract signed with XXXX or XXXX XXXX. Per the HIPAA Law it protects my personal health information from being released to anyone not listed. This is reporting and has impacted my credit negatively. If this issue can not be resolved, I will exercise my rights under FCRA and sue for any damage this has cause me in obtaining credit and will contact XXXX XXXX for XXXX XXXX whom is responsible for enforcing the Privacy and Security Rules.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with ERC (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have called my cell XXXX times and only let the phone ring XXXX before hanging up.

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 12/14/2017 about Debt collection (Other debt) with AFNI INC. (HI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have received multiple bills from this collection company, but after research have discovered that they are not authorized to collect this debt in the state of Hawaii.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Please correct my Social Security Number which was recorded wrong ( XXXX ) in the Credit Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an account with XXXX XXXX that I disputed due to incorrect reporting. Since the dispute XXXX has proved my calculations to be incorrect. I since then accepted their response and am no longer disagreeing with their reporting and am no longer disputing their response. 

I am not in dispute with XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For commonwealth fiancial and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Debt collection (Credit card) with Forster & Garbus LLP (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A collection attorney named Forster & Garbus is trying to sue me for a XXXX XXXX credit card account that is no longer on my credit report. The credit card account is from XXXX which is more than seven years ago. I live in New York XXXX XXXX XXXX XXXX XXXX the statue of limitation is XXXX years on credit card accounts. I do not want this collection attorney to try to seize my checking account because I am barely living above the poverty rate. I can not afford to pay this debt and plus the debt is more than seven years ago and it is no longer on my credit report. The debt is pass the statue of limitations in New York State.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Transaction issue

Complaint: I got a secured capital one credit card ( first credit card ) and I got a balance that I had to pay before XX/XX/XXXX, so I went online using the payment option on mt capital one account and try to pay for the balance, I made a payment for {$190.00} on XX/XX/2016 to capital one using my checking account. A few days later, got an email from capital one saying that my payment was rejected, so I call my other bank to try to resolve the problem and they told me that I have to provide my account XXXX digits number ( which I did n't know ) to make the payment. so after that I call capital one and made the payment again by phone of {$200.00} and this time it went true. Few days later got an email from capital one saying that my account is closed because of suspicious activity, so I immediately call them to explain what happen but my account is already closed and ca n't open a new one with them. What I 'm saying is that is unfair because it was a misunderstanding, did n't know I had to provide my full checking account number. So for that my capital one secured credit is close and I ca n't reapply again.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: They are reporting old address on my credit file that were never mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX with Pioneer Credit Recovery has contacted 3rd parties about an unknown alleged debt. I have a Bankruptcy in place which XXXX has ignored. While leaving a message on XXXX, Legal Assistant to Attorney XXXX XXXX on a recorded line. I insisted that XXXX Cease & Desist from contacting me altogether, Cease from contacting 3rd parties instead contact XXXX to discuss this matter. XXXX informed me long into the call that he was speaking with me on recorded line without my knowledge or consent. This debt collector has grossly violated my rights and I have no clue what his collection matter pertains to.

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 07/14/2016 about Credit reporting () with Clarity Services (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I writing you because I have no success with the credit bureaus or creditors. I check my credit everyday. I keep getting inquires on my report. Clarity Services Inc pulled a hard inquiry on my report. I have no ideal who this is. I called and no one knows anything. The reported on my XXXX. Notifying XXXX they never do anything. Hopefully you can get this company to remove this from my report

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: First, I want to say that the online information regarding student loans and loan forgiveness in general as well as on the FedLoan website is incredibly confusing and difficult to follow. For this reason I have called FedLoan Servicing to clarify things on multiple occasions, and I feel like each time I receive different information. So to be honest, I never have felt confident that I am doing the right thing, submitting the correct forms at the right times, etc., and at times the people I have talked to there do n't seem to know either. 
Currently, my major issue for which I want to file a complaint is that they are now telling me I am overdue to repay my loan. This has not happened to me before, and I do not want my credit rating affected by this frustrating company. 

The backstory : I have applied to FedLoan Servicing multiple times for the Teacher Loan Forgiveness Forbearance. I was repeatedly denied this forbearance for the reason that my loan was not yet in repayment. ( Yes, someone who was on top of taking care of her debts was denied the ability to do so in a timely manner. ) So I re-applied through their website/my account XX/XX/XXXX, once it appeared that my loan was in repayment. They did not send a digital response accepting or denying my application this time, as they had with all my other attempts. Two weeks later, they sent a hard copy letter in the regular mail, again denying my application because apparently I had inadvertently left off the state and zip info for my school. First, I think it 's impossible that I actually left that info off because their online system would n't have let me submit it with information missing. Second, they included a hard copy of a new application, which I dutifully filled out and mailed back. Needless to say, all this cross-country regular mail takes time, but remember, they would n't let me take care of this ahead of time ; my loan had to already be in " repayment '' before they would consider my application. Now they are claiming that my first monthly payment is past due. 

Their lack of electronic communication in this last application, along with all the denials for reasons of applying TOO EARLY, truly make me believe that this company intentionally caused my loan to go into payment and then be late on the first payment for the sake of making more money off me. I honestly ca n't think of another explanation for why they would n't let me apply for the forbearance earlier and then why they neglected to send a digital ( and therefore fast ) letter stating that there was info missing from my application. 
( Oh, and I immediately tried to call to remedy this situation the moment I received notice that my payment was past due. Their phone number is not working. Of course. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is reporting 4 Fraud/ID theft accounts and even with a police report and supporting documents they will not remove and or block them. These accounts were removed in the past and or now begin re-reported!! The following accounts are fraud!! 
1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX   XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: URGENT - Hi. I just received a call from Wells, Fargo Home Mortgage yesterday. They told me that they are not going to review us for a loan modification since our mortgage is over {$700000.00} ( they have known the mortgage was {$900000.00} since day one ). They said they are going through with the sheriff sale on XXXX/XXXX/15. This is only 20 days away - we have a farm with horses, cats, etc.!!! This is not fair. They told us they would review our file and get back to us. We have not been treated fairly. 
This is lender abuse. I am XXXX - please investigate. I had sent you a package with all the information back in XXXX. 
On XXXX XXXX, 2015, XXXX XXXX sent us a letter letting us know what she wanted ( the documentation ) needed for a loan modification. She said to send it by XXXX/XXXX/15. 
We submitted all documents in a timely manner on XXXX/XXXX/15. On XXXX/XXXX/15 we received a letter from XXXX XXXX stating that they are reviewing the documentation we sent to them. On XXXX/XXXX/15, we received a letter from XXXX saying that the required information was not yet received (? ), even though they got it and said this in her XXXX/XXXX/15 letter. In addition, the letter on the XXXX did not state what information was still needed. 
On XXXX/XXXX/15 we received another letter from XXXX telling us the sheriff sale would be postponed until XXXX/XXXX/15. We received another letter on XXXX/XXXX/15 stating that XXXX was still reviewing the information ( XXXX ext. XXXX ). 
Then we received XXXX phone calls and letters stating they were reviewing everything. 
Yesterday, out of the blue, we received a phone call from someone else stating they would not do anything because our mortgage was over {$700000.00} and we are going to sheriff sale in 20 days!!!! How can they do this? Our loan has been {$900000.00} from day one!!!! Please help. This is unfair banking practice!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: This is a follow up on case XXXX. The Bank responded by removing some wrong information from my credit. As said before, while paying them interest and principal from XXXX to XXXX, the Bank charged me interest for that same period. This added to " {$86000.00} '' ; said the Chase Bank. This money was added to my principal while doing a modification. It is obvious that I will be making interest payments XXXX and in addition, since it was added to my " NEW '' Principal, I will be paying interest again on those two previously paid interests.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I tried getting a advance on my hours i worked with XXXX XXXX and bbva compass is not verifying my information like needed.

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 06-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XXXX   XXXX ,  XXXX  received a statement on a Bank of A merica Visa Card th at showed {$4500.00} new charges that are not mine. Called immediately spoke with fraud they said they would investigate.Canceled the card. Received a letter mailed  XXXX   XXXX ,  XXXX  saying they would investigate and issue temporary credit pending conclusion of investigation.   Never heard anything until I called them today to reveal that they had issued a replacement card, chip embedded, to someone who committed the fraud. It 's a card that I last used in  XXXX  and before that  XXXX  for charges less than {$40.00}. It 's a back up card that I simply continued to hold because it only had an annual fee of {$12.00}. The fraud was committed  over a two day period. On the third day the card was rejected fraudester called in and was told to bring i t into a branch.Which they did not and the problem stopped. There were fraud charges on the card to an electric utility to pay a personal bill, and truck rental which would also have yielded info on who is the culprit. All this and B of A never even called me nor even when they found out someone had my SS #, Address and Birthdate which they used to get the replacement card. I went int o a Branch today demanding action to find out what they knew so I could ascertain the identity theft damage. Found out they will not release any info to me until I fill a police report and they file a supoena, Time frame uncertain to complete. All this time has passed and someone out there has my identity info. B of A has done nothing to stop it or help me with info to protect myself. Asked for a Supervisor today and was told up to 48 hours for a response. I am just looking for the information to  protect my financial rear end- and they will not even help nor acknowledge their complicit behavior!

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