milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with BANK OF HAWAII CORPORATION (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I was never properly informed of any liens or judgement until XXXX/XXXX/XXXX. I filed bankruptcy in XXXX with knowledge that all debts were XXXX. As of XXXX/XXXX/XXXX XXXX XXXX I received a call as well as an email directly from Bank Of Hawaii ( lienor ) asking for payment and they are not willing to settle. Bank Of Hawaii collection department representative XXXX XXXX emailed me judgement papers to show me a break down of the initial payoff, as, well as, made me aware that interest and per diem will be charged continuously until debt is satisfied. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX sent a payoff request thru email. After speaking to our attorney I was made aware that all debts should have been discharged and it is in violation for the debtor to request payment. I am aware that a motion can be filed to resolve this matter. I will take legal actions if necessary. Prior to discovering this situation I was never made aware of this debt. Had I been properly made aware in XXXX, I would have attempted to take care of this matter. I was never properly informed, I had no knowledge of a per diem fee, as well as, interested being added daily since XXXX till current. This matter was brought to my attention thru Escrow. After cleaning up my credit and trying to make an attempt to purchase my first home for my family of XXXX, this situation has stolen my opportunity to move forward in providing a stable home for my family. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Everytime I make a payment to a company wells fargo holds the money in my account for a week  or two and Im thinking the payment is already out of my account and wells fargo start charging me overdraft fee for {$35.00} and they keep charging me and I have to pay them back. I have the money in there but wells fargo delay taking out payments and it keeps saying pending for a week or two. They are scamming comsumers put of money. I went to the bank to complain about this to t he bank and they said this is the way the do banking.

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 04/25/2015 about Consumer Loan (Title loan) with TMX Finance LLC (GA).
Issue: Payment to acct not credited

Complaint: I got a loan from Instaloan ( Equity Auto Loan on report ) in XXXX, GA. The Manager there gave me information that shows paid in full. This account is only on my XXXX report. On my report, there is a closed account with a XXXX balance. XXXX they have put XXXX different accounts on my credit report with XXXX different balances showing that I have to pay those in full for {$520.00} and {$660.00}. I disputed it twice showing that there were XXXX duplicate accounts ( XXXX open/XXXX closed ). The account for {$520.00} now shows {$0.00} balance and closed. They said they contacted Instaloan and was told my {$660.00} account was still open which is not true because I paid it in full. So I have XXXX closed account showing {$0.00} with the same account number and an open account with another account number. I paid off the {$660.00} balance in full. Everytime that I would go into to make a minimum payment, they would re-open a new account. I called corporate about them updating my credit report and was told that the District Manager would contact me. I told them that I want my credit report updated correctly and for them not to tell XXXX incorrect information. I would also like all the duplicate accounts deleted because I only had XXXX account. My report looks a complete mess.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (I do not know) with Atlantic Recovery Solutions LLC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX from Atlantic Recovery Solutions has repeatedly contacted numerous members of my family. XXXX XXXX has left threatening and intimidating messages with not only myself, but with multiple members of my family on more than one occasion. XXXX XXXX has not disclosed the purpose of his call and only asserts that he is calling regarding a very " time sensitive business matter. '' I have never received written verification from this company regarding any debts that they claim I owe to them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I filed a chapter  XXXX . It was discharged. I sent paperwork to Navient showing the discharge. They put my loans back in repayment mode. I had to ask for a forbearance. They have improperly directed me into the forbearance. I was not properly informed of deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (SC).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: This is my 3rd attempt to get this problem resolved but American Express refuses to provide information via transfer verification, copy of check, written verification that the {$2900.00} Balance Transfer was made to the correct account. 

I have spoken to XXXX XXXX yet again today and have verified that this payment was n't posted to my account. They have asked that I be provided with something other than a letter to prove this payment has posted. They stated that American Express knows exactly what to do to get this clear as this is n't their 1st Rodeo. Maybe as their letter states it was applied to an account ending in XXXX but not my account. I would like to get this resolved. 

I have included a copy of the last document that they have sent to me in response to this dispute. I have also included a copy of all payments posted to my account over the last 12 months and there is no payment in the amount of {$2900.00} on the date American Express states it was made and from them. 

This will be my final attempt to get this matter resolved before a legal action is filed and damages are requested. 

This amount needs to be removed from my account until written proof can be made via XXXX XXXX that this payment has been made. 

THIS IS MY FINAL ATTEMPT TO RESOLVE THIS. 

THANK YOU IN ADVANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2010 our clients purchase a manufactured home which had a lien from the previous owner. The mortgage was paid in full on XXXX XXXX, 2010 but a release of lien was never provided and now our client is in the process of selling their home. I 've requested, on 5 separate occasions, a release of lien. I 've provided all proofs to show that the lien/mortgage was paid in full. They lien holder has not acknowledged receipt of any of my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Using a debit or ATM card

Complaint: Victim 's debit card was used to fraudulently withdraw {$27000.00} from my Checking and Money Market accounts with SunTrust. 
On XX/XX/XXXX, Victim filed an online report of fraud ( Claim XXXX ) with SunTrust 's Fraud Department On or about XX/XX/XXXX, Victim filed a report with XXXX Police ( Case # XXXX. Note : On page XXXX of said report, the alleged offender acknowledged his guilt. 
On/about XX/XX/XXXX, Victim prepared and filed FTC complaint XXXX. 
On/about XX/XX/XXXX, Victim filed a 2nd compliant with XXXX Police Department ( Case # XXXX ), XXXX Police Department, XXXX, GA XXXX, Phone : ( XXXX ) XXXX On XX/XX/XXXX, Victim filed a report with XXXX XXXX Police Department ( Case # XXXX, XXXX XXXX Police Department, XXXX, GA XXXX, Phone : ( XXXX ) XXXX On/about XX/XX/XXXX, Victim filed a FBI Internet Crime Complaint Center ( ICXXXX ) # 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 03/29/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is no final decision. Here 's the thing. I have been fighting with all XXXX credit reporting agencies for years. They are supposed to do investigations. An investigation is more than just contacting the creditor ( which pays the credit company so there is conflict of interest ). Public Record is no longer being used for FICO so that has to be modified. In my Equifax report : Case XXXX The Plaintiff is listed as XXXX County Clerk. This is wrong the XXXX County Clerk is a repository and has been on the report for too long. I also do not work for XXXX - wrong employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: 1. Navient Loans ask for an email address then do n't send information by email or paper. I removed my email address and told them to mail information on paper. Which are still slow an inaccurate. 
2. Now I ca n't log into my account without signing up for paperless communication. 
Are they allowed to do that? 
3. This my daughter 's cosigned loans. They wo n't give me any info about these loans. They did'nt take auto payments in 2014 and did not communicate. When they found the errror the harrassed me to no end. I gave them a set of payments for XXXX month and they were calling back the next day asking for the rest. This is even though my daughter was making payments. She told me today to never give them money because it goes to fees that are likely wrong and she is better off working with an acct manager to resolve any issues that are usually attributed to a Navient error.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Using a debit or ATM card

Complaint: I left my wallet at a friends house and when I retrieved it later that night I found about XXXX-XXXX dollars missing from the card, he swore he was going to return it to me but now he wo n't answer my text or calls!!!

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 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have a credit card on file with XXXX XXXX  that is eappearing my credit report through Experian. The account was closed I believe in XXXX or XXXX. It should no longer be on file yet it says that it will be until XXXX. That account was paid in full and should not be on my 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 06/30/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage with Bank of America, I did a loan modification last year and all way good. This past XXXX they raised my payment {$700.00} and said it was because my escrow was short {$5000.00}. I asked why this amount was n't added into the modification. They told me it was missed. I was also told that I could do another loan modification in a year and I was at 8 months from my last XXXX. So I did n't make my XXXX, XXXX, XXXX, XXXX payments and I started the loan modification process in XXXX. after a lot and I mean a lot of faxing, explaining, and showing prof of earnings. I get an answer, I do n't qualify. That same week I get a letter saying Its not 12 months to do a re loan modification it 's 24 months. So I filed a complaint with the CFPB and got a response from Bank of America with in 2 days. I was assigned a Customer Relations Manager. I talked with him and was told he will work hard to come to a resolution to the complaint. Now I 'm behind 6 months on my mortgage. He tells me to make a payment for XXXX of {$400.00} more then my original modification amount. So I did, he says now I 'll only be behind 6 months behind and my XXXX payment will only " Get this would be {$100.00} more then, my original loan modification. Then I get a letter in the mail XXXX/XXXX/2015 saying that a escrow review was conducted and my escrow account is now NOT negative. I call Bank of America today to Just find out where to send my XXXX payment. The customer care guy says that my house is in foreclose and a sales date could be at anytime. he also tells me that I 'm 7 months behind not XXXX. I asked to speak to my Customer Relations manager, He says I am no longer assigned XXXX. Also he tells me that Bank of America will not except any payments, The only payment that they will except, is XXXX that will bring my mortgage current. So I ask him whats the total amount to bring it current, He says I do n't know. He 'll have to email the lawyer that is handling the foreclose. I said, can I contact him, He says no, I ask to talk to my customer relations manager, He says no he 's not allowed to transfer me. So in short of it all. Bank of America took me on a 6 month, Stressful and pointless circle for {$100.00} which set me back 7 months on my mortgage and looks like getting foreclosed on. Thank you Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/22/2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Struggling to pay mortgage

Complaint: Was on XXXX XXXX and sustained a XXXX XXXX injury that transferred me to the XXXX XXXX XXXX XXXX in XX/XX/XXXX - XX/XX/XXXX. Tried to lower my mortgage payment through loan modification with Wells Fargo as I could not sell or rent my home at that time, was dealing with health issues, and was going through a divorce. Lender Wells Fargo told me to not pay my VA Mortgage, as they could only help me if I was behind on payments. After months of submitting paperwork, and making payments to their modification program, I was denied modification and my VA loan was put into foreclosure ( I was on XXXX XXXX with XXXX XXXX ). Was forced to short sell my home during the housing crisis in XX/XX/XXXX or face foreclosure. Wells Fargo then filed against my VA loan eligibility for the loss in the short sale - this was never communicated it could happen to me by Wells Fargo, or my agent. I still to this day can not get a full VA home loan due to this debt that Wells Fargo fraudulently set me up for. I have spoken with Wells Fargo many times, appealed, they will not help. I asked my congressman, XXXX XXXX to help, and the department of Veterans Affairs does not have a program in place to address this issue. I was taken advantage of during a time when I had multiple XXXX and was under doctors care - as well as being protected by Acts for XXXX XXXX soldiers. I need help, as for 7 years I have tried to remedy this issue and no one will or wants to help me, including the creditor. I was medically retired 100 % VA service connected in XX/XX/XXXX due to my injuries. I communicated my health issues to Wells Fargo, and they took advantage of me while injured on XXXX XXXX with the 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 09/13/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Account opening, closing, or management

Complaint: At a Well 's Fargo Bank, I moved money from my mother 's savings account into her checking account the day before she passed away. This checking account has been " locked '' by the fraud department for almost 3 months. I have made numerous trips to the bank taking her death certificate, her will, her POA, everything the bank asked for and they still will not release the account. Now her debts are delinquent and mortgage about to go into foreclosure.

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 01/31/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX XXXX On XXXX the original creditor was discharged through Bankruptcy Court Chapter XXXX in 2012. I now receive harassing collection calls from XXXX XXXX XXXX for ( Acct # XXXX ) demanding payment, which was already discharged through the US Bankruptcy Court and is showing on my credit report as a charge off/ collection. This is inaccurate, false, and fraud and it needs to stop and be removed from my credit report. 
According to the attached Discharged BK file- collections for BK discharged debts is Prohibited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. ().
Issue: Confusing or missing disclosures

Complaint: After the response by   XXXX   XXXX   XXXX   XXXX    Operations Counsel in Paypal, which he sent me by the post as well as through complaint No.  XXXX  , I   DISPUTED it as almost everything   XXXX   XXXX   stated is FALSE. I was surprised to see that the CFPB did not continue with the case open as I disputed it saying  XXXX   XXXX  was LYING EXTENSIVELY. I also contacted  XXXX   XXXX  on   XXXX   XXXX    2017, to  his email address appearing in his letter : "  XXXX  XXXX  XXXX  ''. Later, on  XXXX   XXXX ,    2017,  I emailed  XXXX   XXXX  with key information showing him that  Paypal  DOES ALLOW to have multiple accounts and in different countries for the same person as well as transfers between those accounts are posible and allowed, and I provided   XXXX   XXXX   the URL which shows that :     XXXX   XXXX     XXXX   XXXX  As   XXXX   XXXX   NEVER r esponded to  both email messages, I called him to his office number (  XXXX  )  XXXX  and as he was never reachable in that number I called him to his mobile number (  XXXX  )  XXXX  on  XXXX   XXXX ,    2017.   XXXX   XXXX  then stated he was with another call and I briefly said would re-email those  2 messages, which I did the same day. I also sent 2 SMSs aft erwards. It is to be emphasized that  XXXX   XXXX  promised to call me back but he did NOT do it. As  XXXX   XXXX  did not respond at all, I called him again and reached to his cell number but this time he was VERY RUDE and UNPOLITE stating that I called the wrong number ( yes, believe or no t! ).      As I showed him that Paypal DOES ALLOW to have multiple accounts in different countries for the same person and that transfers are posible between those accounts, and as  XXXX   XXXX  NEVER responded, I have no other option than making another complaint against  Paypal  but pointing out his miserable and uncooperative attitude.

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 10-08-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: At XXXX I received a call from this man and he said he wanted to speak to someone who had my name. I said it was me and I asked who was it and immediately this man threatened to record the phone call and did not identify himself. I do not know where this person got my name and my home phone number. As soon as I heard that the phone call was going to be recorded illegally I hanged up because this was clearly illegal and out of order. I assume this man wanted to rob my identity and was impersonating a collection agency agent but I do not have more information to confirm this but I will not share any personal information with unknown callers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received email stating an incorrect address has fraudulently appeared on my credit report through Experian. This address was submiited by XXXX XXXX. It is not my address nor has it ever been my address. It has been placed on my XXXX account four times since XX/XX/XXXX causing my account to be compromised and closed each time. XXXX would not try to help me. Please advise me on how I can proceed with having this issue resolved or these people prosecuted for committing fraud.

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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I 've done business with CapitalOne360 since XX/XX/XXXX, but I closed all of my deposit accounts except a single joint checking account in XX/XX/XXXX. I requested my XXXX XXXX report in the fall of XX/XX/XXXXand to my dismay I saw 33 inquiries from CapitalOne going back to XX/XX/XXXX! 

I have n't requested any new banking products from CapitalOne in this time frame. I also closed my only remaining deposit account with them on XX/XX/XXXX. I disputed these inquiries with XXXX XXXX, who said they can only request information on the items one at a time with CapitalOne. This must be a rather slow process, because I initially sent the dispute to XXXX on XX/XX/XXXX It is now XX/XX/XXXX and the representative from XXXX told me so far that a single item is scheduled for removal. 

I initially tried contacting CapitalOne themselves about this, but everyone I spoke to ( via phone and XXXX ) could only tell me they did n't know why these inquiries were added. There was n't even a rote answer prepared, just 'I do n't know '.

Company response to consumer: Closed with explanation