milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-09-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (NJ).
Issue: Account opening, closing, or management

Complaint: This is the XXXX Dispute that I have requested you to help me with for Sun Trust Bank. Well I received the XXXX Report and the XXXX report. I am beyond upset with these banks and how they just treat people. As stated on my previous dispute this bank told me a week later after I opened this account that they were closing it due to information that they had received from XXXX and that the account was no longer available to me. Now if you were closing the account why in the great love of XXXX continue to debit another account for the opening deposit. Way after they the fact that you stated that you were going to close the account. Each time that they did n't receive the money they charge me an overdraft fee and and NSF fees which overdrew the account. So they reported me to both XXXX and XXXX with these Contribution Reasons : An account closed and charged off by the contributor, in whole or in part via an automated process, where the contributor has recorded a loss and where the Contributor does not, or is not able to identify the closing of the accounts as due to fraud. Yes rattled my brain as well. I am so done. Now I received a phone on XXXX occassion 's this week from Sun Trust bank but they just left a message stating they were calling me due to the dispute report from CFPB nothing else happened. No resolution

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2017 about Payday loan () with Big Picture Loans, LLC (ME).
Issue: Charged bank acct wrong day or amt

Complaint: i applied for a loan through Big pic loans. They said they were nit a payday loan and my payment would monthly. I paid my first payment on XXXX XXXX. On XXXX XXXX they took an additionL payment out. I called ca and they said i agreed to biweekly payments. I asked for the phone transcripts to verify what i was told on the phone. The said that they could no longer provide phone transcripts. They referred me to my contract several times. I tried expalining to them that what i was told and what they did is differenntthan what what i was tild. I signed the contract based on the phone call. And what the customer service person tomd me. I asked sevwral times if thia was a payday loan amd ahe said it was not. This is a decptive lender. I have paid XXXX on an XXXX loan to date but still owe XXXX pribably more. When i took the loan based in one monthly payment the loan was to be paid in one year. Now because if i now this loan will never get paid off due to the extreme interest rate and based on the fact that i was figuring once a month not twice. I am willing to pay back the XXXX with a resoanable interest but its not possible with the fees ans interest they are charfing. I have placed a stop on my bank account so they can not pull money out of it. Today a payment was due according to there records but can not pay biweekly i never would have agreed to biweekly payments. I need this resolved before it gets out if control and phine calls start. If i have already paid XXXX then i owe XXXX more with a reasonable interest rate. I wasnt able to se the interest rate until after i signed. It is impossible to pay this back. I am also scared of what they can do since they are a triba company. I need a resolution to this as soon as possible to date i have not received fees becauae i paid to stop all payments frim this company. My bank is aware that they may try a different ame and amount so we are monitoring my account. I paid XXXX to stip payments from them. I have demaded that the company remove my account info from direct debit. They said they would but i am being proCtive against them so since today was the first ao called missed payment i dont know what they will do expect charge me ridiculous fees. When they start harassing me i will privide proof. I dis not agree to biweekly paymnets and i do not get paid biweekly so they also changed my application by updating my pay info. This company need to be stopped. They advertise specifucally they they are not a payday loan.but they are in the worse way very deceptive. I also want to make sure they dont destroy my credit by updating it charge off. Also because they took an unautoeizsd payment out of my account my other bills did t get paid this is a horrible company that uses lies to run their company legal action should be taken against them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (I do not know) with AllianceOne Recievables Management (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I pulled a copy of my  XXXX  credit report and learned that  Alliance One sl ammed my credit report  XXXX  different times for the same  XXXX  account. I called them to ascertain what this was about because they have never contacted me, or given me an opportunity to dispute this debt. I was told by the representative that those  XXXX  different accounts actually posting in my credit profile were invoices from the same  XXXX  account. How nefarious can you be? That is like reporting each invoice for a delinquent  XXXX  account. They know better! In addition to that, I do not have any recollection of this debt. They have never attempted to contact me prior to reporting those  XXXX  invoices to my credit profile. I have never been treated by the reporting medical facility. I am insured with   XXXX  . Any medical bills should have been reported to them. This is a serious violation of my rights because this collection agency knowingly slammed my credit report with  XXXX  different entries for  XXXX  account, according to their representative. This was a hideous attempt to hold my  credit score hostage t o collect on a debt. I am requesting that they are severely sanctioned because it is no telling how many other American citizens that have treated the same. When I spoke to  Alliance One, I  adamantly denied responsibility for this debt, and I requested that they not further report this in my credit file. At the time, they were only reporting to  XXXX .  Imagine my surprise w hen I learned that now  XXXX  and  XXXX  have the same manner of reporting in my credit file. This was after they were told to remove it from my   XXXX    profile. Please instruct them to remove this derogatory and erroneous information from all  XXXX  of my credit reports. Furthermore, discipline this collection agency and remove their ability to do business in this industry. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: I overdrawn my account with a transaction and it posted and was charged the {$35.00} overdraft fee. The next day the bank reversed the transaction and charged me another {$35.00} overdraft fee. If I am being charged for an overdraft fee once for the transaction I should not be charged it again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/24/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XXXX XXXX, I called my student loan provider Great Lakes to complain that my payments toward my loans were not being applied according to what they published on their website 's " How Payments Are Applied '' page ( https : //www.mygreatlakes.org/educate/knowledge-center/how-payments-are-applied.html ). According to this page " If there are multiple loans in an account, the extra amount ... will be applied to the loan with the highest interest rate ''. However, my payments were being applied across all loans on my account, causing me to accrue more interest. The representative I spoke with claimed to not be aware that this was on the website and helped correct how my future payments would be applied. However, my payments are being misappropriated yet again as of XXXX XXXX. The company continues to publish this deceptive information which had led me to believe that I did not have to provide any specific instructions about how to apply payments that exceeded the minimum amount due. Since I believed what was published on the page, I did not compare my billing statements until XXXX XXXX ; I have been making payments since XXXX XXXX. They never reversed the unfair interest charges that resulted from their misappropriation for the months of XXXX XXXX - XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (AR).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: My husband had lost his job and then we had a death in the family. We try to get then to work with us but no.

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 08/29/2015 about Debt collection (Medical) with AVANTE (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled the debt of {$730.00} with the previous collector. It seems they sold my information to another collector, and this has reappeared on my credit score. This practice of selling paid debts to another collection agency is unethical and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed XXXX several times. I provided XXXX and Transunion with proof that the company did not provide any proof I owe the debt. They continue to come saying it belongs to me with no proof.

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 09-09-2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Bank of America is reporting my old account as " late '' XXXX. This account was paid in full. They were reporting correctly and then erroneously changed my reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit card () with U.S. BANCORP (CA).
Issue: APR or interest rate

Complaint: In the monthly statement that I recieve from US BANK, I noticed that my APR had spiked up dramatically and without warning. I was caught off guard and at a bad time for me. I recently had to go on dsability on my work and this was really bad for me. This was very inconsiderate on behalf of US BANK. I have used their card for a variety of different purchases and this card was my go-to card for almost everything. I have stopped using this card and will not use it anymore unless my APR is returned to normal. Please look into this matter for me. I have never missed any payments and I have always been very responsible with this card and would love to be able to continue using it. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar has reported false and incorrect information to the credit bureaus indicating I am more than {$110000.00} delinquent. Nationstar 's predecessor, XXXX XXXX XXXX, NEVER attempted to collect after the foreclosure sale. 

There 's been active litigation between XXXX and myself since XXXX 2012. I have included the most recent docket entry on the Federal lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Payday loan, title loan, or personal loan (Title loan) with Select Management Resources, LLC (KS).
Issue: Struggling to pay your loan

Complaint: Hello I am a   XXXX   XXXX   XXXX   wife and mother. On  XXXX  I took out a loan for {$600.00}. Then another on  XXXX  for an additional {$700.00}. I paid on my loan monthly while I was working at  XXXX . When I lost my job in  XXXX  of   XXXX   I fell behind on my payments, I paid when I could. Later I found out none of my payments were going to principal. They were only being applied to interest. When I originally found out about the  Title Loan  company it was from a commercial. The commercial did not say if the loan is not paid off in 30 days that your repayment amount basically doubles and triples over time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Trouble during payment process

Complaint: I just received a mortgage account statement from OCWEN LOAN SERVICING, LLC in the amount of {$8700.00} ( Mortgage Account statement dated XXXX attached ). OCWEN LOAN SERVICING, LLC has failed to provide any explanation or detail as to how this amount was specifically calculated. OCWEN LOAN SERVICING, LLC lists in its description of the mortgage account statement the principal payment, interest adjustment and charge - short payment, for figures of {$4200.00} and {$260.00} and {$3900.00}. Where did OCWEN LOAN SERVICING, LLC specifically compute these figures from, how and when did they specifically originate? OCWEN continues to make widespread errors on my account and needs to remove these bogus charges.

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 09/22/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: On the XXXX XXXX, I made XXXX x withdrawals from Coinbase after selling crypto currency on their website. Both withdrawals still show as 'Pending ' even though they should have arrived before XXXX XXXX. 
I have made multiple attempts to contact Coinbase, but to no avail. So far, they have not been able to tell me when I will receive my money. 

- XXXX Coinbase Reference - XXXX - XXXX Coinbase Reference - XXXX Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Since the last 8 months I am being charged a monthly fee on my Bank of America savings account.     I have been Bank of Ameri ca Checking account customer for almost 22 years and have had a Savings account sin ce around 10 years. I have never had a monthly fee charged for these years excep t the one  they started 8 months back.     I visited the  XXXX  BofA branch today (  XXXX / XXXX /  XXXX   ) and I was told that the fees are charged as I did not meet the conditions of my account. But when asked, the br  anch manager could not produce the original agreement I signed with these so called conditions.
They are doing a bait and switch. A condition get put on my account without any notification to me of the same. Instead of producing the paperwork and accepting there was a change in account requirement, the manager is questioning me why I did not come earlier. This is looting in broad daylight - ready to stiff even a long tenured customer!!!

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 09/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: keep getting calls from XXXX asking for someone else. 
They will not stop calling at all hours or they do not believe that person is n't there/

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (DC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Hi there. 

I need documentation showing a time stamp for a transaction I made this morning, but Citibank customer service representatives refuse to provide it, and the timing information does n't appear next to the transaction when I pull it up online. I used my Citi card to pay for two hours at a parking meter - {$4.00} on Monday, XX/XX/XXXX. I got a parking ticket before those two hours expired and need documentation showing the time stamp of the transaction to prove to the city that I should n't have been ticketed. Please help. 

Thank you.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: Due to the Equifax data breach affecting 143 million people, my information was potentially stolen. I am taking the necessary steps to protect my self, however learning about the breach a month after it happened is alarming.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (FL).
Issue: Managing the loan or lease

Complaint: I purchase a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXMy Salesperson was XXXX XXXX. The financial person didthe additional fees to make payment each month on my loanwith Consumer Portfolio Services, INC ( CPS ) locatedXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX went to make my XXXX payment the customer servicerepresentative that you have to {$12.00} for each paymentI informed her that no one told us that. On the statementthat was mail to us, it does n't say nothing about any feesI told her that was wrong for your company not to informedthe customers of this fee before signing the loan or on the statement. I had to transfer additional funds in the amount for this. If you pay online itsa {$12.00} or over the phone. She informed that it 's not on thestatements, only when you call to make your payment we letyou know about the fees. I called the XXXX XXXX, themanager at XXXX to let them know this is not rightthat CPS have hidden fees with my loans. I told him thatI told XXXX XXXX my budget, due this additional fee I wentover my budget to make payment on my car. I was mad Ithink this is a way to get over customers. On XXXX XXXX, XXXXXXXX. XXXX called CPS to asked them if something can be done, customer servicerepresentative said no, this the way CPS let customerknow about any fees. The dealership was not aware of theseany additional fees. I told the customer service Rep thatother companies have the fees on the statement why CPSdo n't do that, she said this is the why we do things. I told herI told I left over XXXX messages for a manager to call meregarding this matter, NO ONLY never called me back. 
her I was going to report this to XXXX State Attorney Officethis is so wrong, please look into this. I saw that investigationon XXXX and XXXX for the same thing. Please go afterthese people.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (MA).
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: On XX/XX/XXXX I attempted to pay my XXXX XXXX XXXX credit card balance of {$9.00} from my checking account instead of my savings account, which was an accident as I meant to pay from my savings account. XXXX submitted the payment, and received an insufficient funds response as my checking balance was {$0.00}. I was notified on XX/XX/XXXX via email that my payment had been successful, so I did not suspect that anything was wrong. The transaction was resubmitted on the XX/XX/XXXX but again I was not notified. 

I checked my account today ( XX/XX/XXXX ) as my statement was released on XX/XX/XXXX, and noticed that my balance was past-due due to a failed payment, which has since been reported. I thus had no chance to remediate it by changing to the correct account, because XXXX 's communications showed a successful payment and showed nothing of the two failed attempts. 

I called, and explained the issue to no avail ( other than being able to submit the bill to my savings acc't ). I need to maintain a good credit score so that I can get XXXX school loans, and XXXX 's series of decisions to 1 ) notify me that my payment was successful even though it was not, 2 ) resubmit the payment method without notification, and 3 ) refusal to help me remediate the past-due report, will impact my credit score negatively. This is despite my close attention to both my accounts and to bank notifications.

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 01/26/2018 about Debt collection (I do not know) with AmeriCollect (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX from XXXX ID # XXXX XXXX keeps calling to collect a debt that does not exist.

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