milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Making/receiving payments, sending money

Complaint: My husband and I a joint checking account at Bank of America, in XXXX, VA. The Bank allowed one of our check payees to cash the same check twice. In fact, the Bank allowed this payee to do this five different times, over a four-month period, for a total of {$1900.00}. I have the supporting documentation, including the record of the checking account debits and the duplicate check images that the Bank included in our checking account statements. I called the Bank 's fraud department today. The first person said it is not possible for a check to be cashed twice ; the system is designed to catch that. When I presented her with the evidence, she transferred me to the Bank 's check fraud department. The woman there said that because I wrote the checks in question, that was not fraud on the Bank and that I would have to go to the police to get my money back. When I told her that I was a lawyer and gave her the definition of fraud, she took my information and said that the Bank would be sending me the forms to file a claim, which would be reviewed by a claims analyst. She said I would get the forms within seven to ten business days. She suggested that I might want to close my account. I will file the claim, and I will get my money back. But I am appalled that Bank of America 's system allows the same check to be deposited twice. I am also appalled that neither of the Bank 's fraud department representatives appeared to view this as a serious customer security problem and that neither representative appeared interested in following up on the systems security issue. The woman in the check fraud department surmised that the payee had first deposited each check using a mobile app and then later deposited the hard copy of the check in an ATM. The checks were cashed in different check statement periods. So, the Bank 's representative working in the check fraud department believes that it is possible for a payee to deposit a check using a mobile app and then later to deposit the hard copy of the same check. But she apparently does n't think that is a serious security systems problem!!!

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 05/25/2017 about Debt collection (Payday loan debt) with Chaplain Financial Services LLC (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: So this has been going on for year, with multiple debt companies all in the greater  XXXX , GA area, so I believe that these companies are all connected.     This is for a very old debt that I had taken out and paid back. The original debt was to  XXXX   XXXX   XXXX   XXXX   XXXX   which multiple federal agencies including the DOJ has sued for defrauding customers. Now this debt has been and keeps getting sold from debt collector to debt collector. I have asked multiple times for verification of the debt and a full accounting showing all payments made. I have never received anything I have asked.   I have asked in writing that they no longer call me and sent multiple cease and desist letters. They go away for years at a time only to resurface using a different collection agency name.     The most recent is Company name Chaplain Financial Services LLC,  XXXX   XXXX   XXXX ,  XXXX , GA,  XXXX  Phone :  XXXX .     In todays call  XXXX / XXXX / XXXX  they did multiple things.    1. C alled using a spoofed caller id. Todays caller id was  XXXX , returning calls to that number says that the number is not in service. I believe this is be a violation of the Truth In Caller ID Act of  XXXX  and FCC regulations. Additionally I believe that this violates deceptive practices under the FDCPA.     2. Their call was a robo-call made to my cell phone. They have been notified multiple times that this is my cell phone. I believe this to be a willful violation of the TCPA.
3. It was stated in the Robo-Call and in the subsequent phone conversation that I had with a gentleman there ( who hung up on me when I informed him he was in violation of the FDCPA ) that they are sending this to a process server today so that I can be served with a summons. They have not filed suit against me, nor do they plan to. I believe this to be another violation of the FDCPA.
All of this from a 3min 5sec phone   call.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SOUTHERN AUTO FINANCE CO (TX).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: between XXXX thru XXXX, i was looking to purchase a vehicle and a lot of finance companies reported my credit without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Student loan (Federal student loan servicing) with SUNTRUST BANKS, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Hello, XXXX ( XXXX is a bill collector ) of Suntrust Inc., sent me a letter claiming my wife and I were no longer protected by the SCRA and that I needed to complete their online IBR update. I did go online and complete their IBR update. 

Furthermore my wife, XXXX was an XXXX in the XXXX until XX/XX/2016. Since XX/XX/2016, she is NOW an XXXX and will be for the next 6 years. 

Thirty days after XX/XX/2016 ( on XX/XX/2016 ), I was hired as a XXXX, XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
I 'm still employed working for the XXXX XXXX XXXX XXXX XXXX employee. Does n't the SCRA provide time for military families to transition from XXXX to XXXX?? 

I did receive a letter from your XXXX claiming an anonymous source notified them that I was no longer protected by the SCRA. We were lead to believe by our Judge XXXX XXXX XXXX XXXX XXXX office that we are still protected by the SCRA as long as we work for the military. Is this incorrect?? 

We wrote XXXX XXXX XXXX XXXX of XXXX who we communicated with in the past, but we have received no response from XXXX regarding this matter or any of our questions. 
XXXX XXXX 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 explanation
Consumer complaint received 01/29/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hi i applied for preapproval for a new home mortgage and was informed by the lender that after reviewing my credit history i had 31+ late payments on my current mortgage. this caught me completely of guard. on speaking with the current mortgage holder ( XXXX, XXXX XXXX XXXX ) i found out what the problem was. it was down to a veriety of things. 
1. in the early 2000 's i declared bankrupcy but thankfully kept my home in the process. Chapter XXXX however as i had done this the lender informed me that they could no longer contact me due to this. 

2. i missed a payment which resulted in a late charge and this was compounded out over time to result in me missing more or less all my payments. this is due to the fact as they place monies in suspence and because of this the monies were not posting to the right place at the right time thus showing a late payment. 

3. Of course I was none the wiser of this and in fact was paying over and above my mortgage every month for a number of years now. but they are still asking me to pay interest on the outstanding balance. So not alone did they not inform me about the error in the first place but now they are asking me to pay this balance in order to remove this of my credit report. in my opinion this would be akin to extortion. 

i am very unhappy with this impass and I need help in order to get this fixed. Can you help? neither the lander or the credit reporting compand are being helpfull in this case and i feel that i have nowhere else to go.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I applied for a checking account on XX/XX/XXXX on Wells Fargo website. The promotion is {$250.00} bonus and I have fulfilled all the requirements. Today, 3 months later after multiple follow ups and XXXX certification, I still have n't able to track down the opening bonus. At the same time they start charging me $ XXXX monthly fees that should not even be due yet. Therefore I 'm seeking help from CFPB. I even have the application forms they sent me with {$250.00} promotion code clearly printed, which I will upload below.

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 02-05-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I INCLUDE MY ADDRESS EVERY TIME I SUBMIT A COMPLAINT,. I AM REQUESTING THAT MY ADDRESS BE CORRECTED. I DO NOT AND NEVER HAVE LIVE ON XXXX XXXX. IN XXXX. THAT IS MY EX HUSBANDS ADDRESS PLEASE MAKE CORRECTION

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
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: In XXXX 2016, I received an unsolicited call from XXXX XXXX at XXXX XXXX, XXXX. I was told about what they do and how they could help my online business, then he convinced me to buy one-on-one social media training and coaching for marketing, and a XXXX XXXX and XXXX business page design. This company was working in conjunction with XXXX XXXX  on creating e-commerce marketing. ALL OF IT WAS VERY BASIC COACHING THAT WOULD LAST A MERE 5 OR 10 MINUTES, THEY WERE SUPPOSED TO DRIVE TRAFFIC TO MY SITE, NO SPCECIFIC DESIGN WAS CREATED OR GIVEN TO GENERATE TRAFFIC TO MY WEBSITE. 
I PAID thousands of dollars to them, and in the end I had to actually end of having to do the work myself and building a following something they were supposed to do. 

I did not receive the product and services as was described to me. I find that not only did they misrepresent and not provide the services, they knowingly mislead me into thinking I would be getting a website with marketing that was superior to my current online business, and their lack of efficiency ended up costing me thousands. 

PLEASE HELP ME GET MY MONEY REFUNDED AND HELP OTHERS NOT BECOME A VICTIM!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: To Whom it May Concern, I took out two private student loan accounts during medical school with XXXX. These two accounts were in deferment during my XXXX XXXX. In XXXX of my XXXX XXXX year, I was contacted and told that these accounts could no longer be in deferment because XXXX XXXX to specialize in the field of XXXX XXXX is considered " XXXX XXXX '' - the option for deferment no longer applies. At the time, I was unable to make the payment on these loans as I was making less in salary than what was owed per month on the loans. As a result, the loans were sent to collections with the company XXXX XXXX. On completion of my training, I contacted XXXX XXXX and settled the two accounts on XXXX XXXX, 2017. I was told that these accounts were now paid and closed and that they would be reported as such to the credit bureaus. The first account was in the amount of XXXX XXXX and settled at {$19000.00}. The second account was in the amount of XXXX XXXX and settled at {$18000.00}. I have proof of payment letters from XXXX XXXX dated XXXX XXXX, 2017. I contacted XXXX on numerous occasions to attempt to have these loans removed from the delinquent status. After many attempts and many hours of being transferred from department to department and being told that XXXX can not find me in their system by either my SSN, name, date of birth or the XXXX account numbers, was able to find a gentleman by the name of XXXX at number XXXX who confirmed that the accounts show as XXXX balance and closed. I asked for a letter stating such and he said he was unable to give out that information. He was also unable to explain why it was still being reported as delinquent and in collections to the credit bureaus. I was asked to send letters of proof of payment as well as a copy of the credit report that shows the accounts as still in collections. I sent these immediately by fax as I was told there is no electronic option at this time. I had to send the fax several times as they were not being received on XXXX 's end. This was over a week ago and I have still been unable to get an answer as to why these loans are being reported as delinquent or to get a letter stating that the accounts are paid and closed for my mortgage company. My husband and I are currently in the process of applying for a mortgage and these two accounts are the only issue on my credit report. They are dropping my score by at least XXXX points. At this point, I have spent tens of thousands of dollars to pay these loans and have disputed them several times. I have even hired a company, XXXX XXXX XXXX, to assist me in disputing these loans that are PAID and it has been to no avail. XXXX is still reporting these loans as open, delinquent and in collections. They are affecting my ability to purchase a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Bank account or service (Other bank product/service) with BB&T CORPORATION (PA).
Issue: Account opening, closing, or management

Complaint: BB & T purchased Susquehanna Bank. They are a horrible bank. I have a checking account and a line of credit which includes a fixed loan and the line of credit with them. I tried to take XXXX from my checking account and apply it to the principal balance on my line of credit. They, on their own, decided to split the XXXX between principal and interest on the line of credit and fixed loan. I called and fought with them about fixing this. Supposedly they fixed this but since then I have been locked out of my credit line account. You can see the balance only, but NO transactions, so I have no way of knowing if anything was corrected. I have called the branch manager and the IT dept., who XXXX can not access my account. Their IT dept informed me that they are aware of the issue and it was supposed to have been fixed on XXXX XXXX, but hope now to have it fixed by XXXX XXXX. So I have NO access to my account for 2 weeks. They told me they are trying to create an entire new web site, since the old XXXX is messed up, they new one also does n't work. Meanwhile, IT IS MY MONEY AND THEY HAVE BASICALLY LOCKED ME OUT FROM VIEWING IT, AND THEREFORE USING IT. I received a monthly statement from them which shows a fee/service charge for {$57.00}. I have no idea what that is, and i can not find out about it since I am locked out. Besides that, when I called the bank to find out about the fee, they can not find it as well. They have no idea what it is, no one there seems to know anything, but they have access to all my money, but can not tell me anything. THIS IS NOT A CORNER DELI, THIS IS A BANK. This is so entirely unacceptable. I have never heard of a bank with issues like this, I feel like they have stolen my money. There should never be a time when you can not access your accounts ; I do understand that they need to update their systems from time to time. That is usually late at night for a several hour window. This is for several weeks and should be against the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am currently try to purchase my first house. When my credit report was pulled it states that I have a judgment for XXXX XXXX XXXX XXXX. I have traced it back to the county that it was filed in and they have nothing showing at this time about a judgement from them. In XX/XX/XXXX 2014 I consolidated all my student loans but some how I have this one lingering around. We are unable to find any information on it, who it is threw originally, and how to get it removed if it still exist. Please Help!!
Amount : {$2700.00} Reported XX/XX/XXXX Filed XX/XX/XXXX XXXX County Superior Court

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (I do not know) with National Recovery Solutions, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX called me on XXXX @ XXXX, she asked for a man that was not me. I stated she had the wrong number and to please remove my number. She stated she was confused as the person had called from my number. I again told her she had the wrong number to please remove my phone number associated with the account she was calling on. She continued to tell me that her " lawyer '' gave her this number. I asked for her name told her not to call and hung up. She called again at XXXX. Once again I told her i just informed her to remove my number that this was the 2nd request. I hung up. She called again at XXXX and left a vm. Then she called my place of employment at XXXX. I told her i was recording the conversation and not to ever call my number again as I am not a party of the debt she is trying to collect. She stated I was not making payments and I explained I will never make payments as I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have student loans through Navient and was seeking to resolve my loans. 
My school XXXX did n't fulfill the promise of certification and job placement after graduating. Now, I am just seeking not to payback the loans I have. My school XXXX has been re-named to XXXX located in XXXX, AL. My name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I submitted the attached police report to all  XXXX  credit bureaus notifying them that I was a victim of identity theft and that the Bank of America account ending in  XXXX  that was reported as a charge off on my credit report with a balance of {$1500.00} was the result of a stolen credit card. I asked that this account be immediately removed from my credit file ; however, both  XXXX  and  XXXX  have refused to remove stating that Bank of America has confirmed that the charges are correct. I have attempted to follow up with Bank of America directly but every time I call in I am given the run around. Numerous agents have confirmed that not only are the charges fraudulent but nearly 75 % of the balance that is being reported is the result of their own late fees and interest charges assessed after I initially alerted them to the fraud on my account back in  XXXX   XXXX . It is my very strong belief that this balance is an attempt by Bank of America to extort money from its customers and that the resulting charge off was an act of retaliation by Bank of America as I have refused to pay any and all of this {$1500.00} balance. As evidence of this fact, since closing the account in  XXXX   XXXX , Bank of America has refused to further investigate the fraud claims made on this account, even porting the account balance ( without the actual transaction h istory ) to another acco unt number in order to mask the poor account management that has taken place here and continue to report this account to my credit report after I provided documentation with the credit reporting agencies as proof of the fraudulent activity on this account. Further, through the end of  XXXX  Bank of America management refused to answer any of my numerous inquiries and attempts to remove this account from my credit report. Again as evidence of this fact, I filed a Better Business Bureau complaint in  XXXX   XXXX , which also went unanswered.

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 01/20/2016 about Consumer Loan (Vehicle loan) with SYNCHRONY FINANCIAL (NY).
Issue: Problems when you are unable to pay

Complaint: I have not paid any payments since XXXX 2008 on a dirt bike loan from SYNCB/XXXX. 
The other credit agencies, XXXX and XXXX have taken it off 6 months ago, but XXXX wont take it off. I called up the bank at XXXX XXXX XXXX and they sent it off somewhere 5 years ago, but they are on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: we moved out of an apartment, we were refused walk through and billed for damages without any kind of proof, they also said we did not pay a security deposit which we have a cancelled check proving we did

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONWIDE ACCEPTANCE CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Nationwide fraudulently reported several accounts on my credit reports using different names. Now, this company has re-aged this account on all of my credit reports ; making it appear that the account was charged off in XXXX. They are reporting that I have negative payment history since XXXX. This is not true. The account was closed in XXXX. Nationwide is reporting this false and incorrect information to XXXX, XXXX and 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