milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Making/receiving payments, sending money

Complaint: I am a mutual costumer of Bank of America and I have submitted a compliant about a XXXX ago and XXXX of the employee from customer resolution contacted me and notified me that the issue I had was taking care of and they will issue me a balance I had before they terminate my account and i did receive the check from them but when I took it to the bank they said " the check is invalid '' and they could n't give any explanation as to why. I called the customer service and they said " there is nothing we can do '' they left me with anger and disappointment. This is the most unprofessional bank I have ever seen. None of them could resolve the issue I have with them. It 's my money and they told me that I had a balance that needs to be given to me but they still have n't returned my money. What kind of bank disappoint some one who has been a customer over XXXX years?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Portfolio Recovery is reportinig inaccurately on my credit report. There are several accounts that are not mine.This debt is showing from XX/XX/XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XX/XX/XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have Inquiries on my credit file that I have not sign or agreed on promotional inquires and regular inquires. 

Wrong information I have Inquiries Such as promotional Inquiries and other Inquires on my credit file with out my permission and wrong information.

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 11/25/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Credit card protection / Debt protection

Complaint: I entered into a contract with a kitchen co. to design, fabricate and install a new kitchen in a XXXX apt XXXX in XXXX Prior to kitchen delivery, the co. forced me to pay the balance of {$11000.00}, or delivery and installation would not be done. My wife and I had a 2 month old infant without a kitchen, so I reluctantly agreed, and payed with my American Express card, affording me the opportunity to have protection in case of any problems. 

After the delivery and installation of the kitchen, I observed shoddy workmanship and poor material quality. I notified the company, and they made half hearted attempts to correct the problems. The kitchen is not completed, filled with outstanding issues, as per the contractor 's own punchlist, and contractor has ignored my requests. 

I subsequently discovered that he is not licensed by the XXXX, or as required by the XXXX rules, to perform any kitchen work. 

I immediately notified American Express, submitting documentation of the unfinished kitchen, no license, etc. To my astonishment, after receiving and " reviewing '' my documents, Amex has payed the contractor, and refused to issue me a credit. I have written and submitted my documentation to the president of American Express, who delegated my problem to a low level employee XXXX, who declined my request. 

Rules, including licensing requirements, are mandatory and to be followed and adhered to, by all contractors. Amex 's weak response is unacceptable in light of the overwhelming evidence, including an incomplete and flawed kitchen.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX early in the morning, I notified Bank of America that my car had been broken into and my wallet have been stolen. The theft happened at dawn at the gym I attend and as soon as I was done with the Police and returned home I reported to BOA that i have been a victim of identity theft. I requested them to cancel my ATM card and block access to my checking account. The very next day, the thieves were given access to my full account balance and were able to withdraw and overdraft my bank account. BOA failed with their security measures. The thieves use my FL Drivers License and possibly my ATM card. I know this because I talked to the branch manager of the location where the thief made her appearance. Over the course of the past months, I have had numerous conversations over the phone requesting information on my case. I was told than an analyst investigating the case will call me and that calll has never happened. After receiving no response, on XXXX XXXX I submitted via fax a formal letter requesting BOA to explain how they failed to secure my account, implement extra security measures in my new account and make the funds they have frozen available to us, the account holders. I attached to this request the Police Report from XXXX XXXX, proof of my identity and a copy of the Notice to Furnishers of Information provided by the FTC when I file my identity theft report. BOA only responded until XXXX XXXX by email. The notified me that the claim will not be honored and that the temporary credit issued on XXXX/XXXX/XXXX of {$1800.00} will be reversed on XXXX/XXXX/XXXX. I called to ask about all the documentation I submitted on XXXX the XXXX but the documents were nowhere to be found on the case. I immediately resubmitted the documents via fax and certified-signature required mail. I requested to respond within 5 business days. XXXX XXXX and again today, XXXX XXXX I called to check on the status of the claim and the received documents but once again BOA did not have them on record. I had to send them again today ... now for the 6th time. I was told again, that the analyst will call me. As of today is almost 6 months after my identity and money has been stolen and BOA has still to provide an explanation on how they failed to secure my account, failed to follow up on the investigation, failed to follow up on the documents I 've provided and failed to give me a resolution so I can put this behind and move on. BOA is consuming a lot of my time. I am hours away from them taking out funds from my bank account again and zero answers.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: XXXX/XXXX/17 : Today I have tried repeatedly to access the equifax special site " XXXX '' to find out if my accounts are at risk due to the recent hacking incident as reported in the press. I fill out their form, including the 'test ' that I am not a robot, and receive green checkmarks next to each of the answers. The minute I press the continue button, it immediately goes back to the 'robot ' test. This has happened repeatedly-maybe twenty or thirty times. When you call their " help '' line, they question whether I have imputed the information correctly, when they ascertain that I have ( as evidenced by the three green check marks-after all it 's pretty hard not to know your last name etc. as evidenced by the three green check marks- they immediately say there is nothing further they can do. They suggest that maybe there is something wrong with the website, but have no information about that. One man gave me an e-mail address to contact. When I tried that, I received the message that there was no server at that address! 
As a consumer, my credit, has apparently been compromised by equifax 's lack of adequate security or lack of internal controls. They have mounted an elaborate PR campaign to say they are addressing this issue. Apparently it is exactly that : An elaborate PR campaign - with no actual help. In the absence of their help what an I to do?

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (I do not know) with Riverwalk Financial Corporation (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I do not have a contract with this XXXX XXXX. I have never signed a contract with them  and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company.  I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. • What the money you say I owe is for: • Explain and show me how you calculated what you say I owe: • Provide me with copies of any papers that show I agreed to pay what you say I owe: • Provide a verification or copy of any judgment if applicable: • Identify the original creditor: • Prove the Statute of Limitations has not expired on this account: • Show me the you are licensed to collect in my state: • Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau (XXXX and  XXXX) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Problems caused by my funds being low

Complaint: I over drafted my account but was charged overdraft fees for two consecutive days. 
I called on the first day and was told what items were subject to the fees. 
Then when I called they tried to double talk me. I 'm not stupid. I think this may have happened before.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (ME).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In  XXXX  of   XXXX  , I called and spoke with a citi rep about paying off a promotional balance on m y Home Depot char ge card. I paid what he told me I needed to and he assured me that my promotional balance was now paid in full.     When I called later on  XXXX / XXXX /  XXXX   to verify that the payment had been applied correctly to the promotional balance, I was informed that it had not been. The rep assured me that he would fix the problem ; not to worry.     When I received my statement on  XXXX / XXXX /  XXXX  , I found that citi had not fixed the original problem and charged me an additional {$440.00} in interest and purchases. However, I did not make any purchases.     I then called citi for the third time to try to resolve the issue. As of this writing the issue is still not resolved.     The most infuriating part of this is that there is an obvious pattern of deception and aggressive tactics to create mistakes and problems that lead to increased fraudulent gain for citi.     These have been gross, obvious mistakes ; call after call. It has actually gotten worse with each successive call.

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 03/28/2017 about Mortgage (Conventional fixed mortgage) with JUMBO LOAN EXPERTS LLC (AZ).
Issue: Application, originator, mortgage broker

Complaint: Hi, I was working with XXXX XXXX from JumboLoanExperts and he pulled my credit to give me a prequalification letter. He wanted me to wok with particualr agent of his choosing and if not he says he will not give me a prequal letter as required per law. I am deeply dissatisfied with his business etiquette,. It was utterly unprofessional and not fair towards me. 

Please take an appropriate action towards this lender/broker. 

Thanks!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (Mortgage) with NORTHERN OHIO INVESTMENT COMPANY (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt is XXXX reverse mortgage. Debt not owed until both my wife and I die. Still we are receiving collection letters. Requests to stop are unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit card () with ZWICKER & ASSOCIATES (AZ).
Issue: Other

Complaint: XXXX XXXX XXXX XXXX XXXX violated my FTC right to charge back a debt by declining a legitimate charge-back of {$1100.00} for my XXXX/XXXX/XXXX at the XXXX XXXX XXXX. The hotel 's dirty pool failed state inspections and put my husband in the hospital with a XXXX XXXX that cost {$15000.00} ( Doc : My letter dated XXXX/XXXX/XXXX ). 

XXXX committed BAD FAITH by reducing its Over Time Repayment Services and wrongfully declining a credit card charge to my computer repair company. I closed the XXXX account and returned my charge card on XXXX/XXXX/XXXX ( Doc : My letter dated XXXX/XXXX/XXXX ). 

XXXX failed to provide a requested response to my XXXX/XXXX/XXXX letter. I wrote a CEASE AND DESIST DEMAND letter dated XXXX/XXXX/XXXX to stop the daily harassing telephone collection calls ( Doc : My letter date XXXX/XXXX/XXXX ). 

XXXX assigned the disputed {$35000.00} to Zwicker & Associates on XXXX/XXXX/XXXX. I wrote my timely XXXX/XXXX/XXXX letter to Zwicker & Associates demanding a VALIDATION OF DEBT. I never received any validation of debt from XXXX or the debt collector attorney ( Doc : My letter dated XXXX/XXXX/XXXX ). 

XXXX sued me using the debt collector firm. Zwicker & Associates PC, on XXXX/XXXX/XXXX and won a default judgment on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX attempted to illegally garnish my checking account but the account was overdrawn and it failed. It was an illegal garnishment because my only income is Social Security which can not be garnished. On XXXX/XXXX/XXXX the lawsuit was dismissed due to my bankruptcy. 

XXXX and Zwicker and Associates violated the FDCPA by failing to provide the XXXX/XXXX/XXXX demanded VALIDATION OF THE DEBT. I do not owe XXXX anything because of it BAD FAITH AND ITS FDCPA LAW BREAKING.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Student loan (Private student loan) with SLM CORPORATION (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: As a typical XXXX grad of the modern century, i have XXXX loans taken out for my entire college career. one from the Dept of education, one from discover, and the last with Sallie Mae. Also, typical to college grads, i elected NOT to consolidate my loans because i have intentions of going back to school to pursue my medical license and begin practicing Veterinary Medicine. The issue that im having however is balancing paying my three student loans because SALLIE MAE has been taking money directly out of my bank account ( NOT PAYCHECK ) for the sum of $ XXXX. This is an issue because i never authorized automatic payments to be made. So today, when i went to make a payment to my XXXX student loans, i found out that my bank account is now on their prohibited list because of Sallie mae constantly taking money out, leaving my bank account in the NEGATIVE therefore leaving discover without a payment! SO now because of this unauthorized deduction, my discover loan is in the process of defaulting, because of that, i may not be eligible to apply to XXXX XXXX. Sallie mae is literally destroying my life and is making me regret my entire decision of attending college. After SEVERAL attempts to talk about this topic, im becoming more and more upset. once a Sallie Mae rep hears me begin to discuss my concern, they put me on hold and they never have someone answer me. i currently work in a XXXX XXXX XXXX doing 12 hours shifts, so my time is EXTREMELY valuable ... sallie mae has driven my ability to manage my finances into the ground.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (IA).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage needs to stop sending me Cash Out Refinance marketing materials. I receive at least 1 of these mailings per month. I have called them and asked that they stop. I asked to be opted out of all marketing materials when I called. In addition, I completed an Opt Out letter they sent and returned it. They responded with a letter confirming that I was opted out. However, I continue to receive these letters monthly.

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 03/16/2016 about Debt collection (Credit card) with D&A Services, LLC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The action of the debt collector is on a expired statute of limitation greater than XXXX XXXX XXXX. The debt collector acts as fourth party to collect debt, originally XXXX, then XXXX XXXX ( acquired XXXX 2011 ), then indicates current creditor is XXXX XXXX XXXX XXXX XXXX ( debt collector under Federal law is not : A creditor ), and fourth party debt collector D & A Services seeks to collect on the " Re-Aged '' debt. The debt is not owed and the debt collector can not act as " Creditor '', violating Fair Debt Collection Act

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Since XXXX of 2016, I have observed several periods of bursts of inquiries into my personal credit profile. I have contacted the 3 major credit bureaus several times to be advised that there 's nothing that they can do. They have advised that I contact the companies directly and/or contact law enforcement. I have over time reached out to all of the companies with great difficulty in getting to someone who can answer any questions. The majority of what I have heard has been to contact the credit bureau. They continually ask for my account #, not understanding that I do not have an account with them. I ask that they verify that they do n't have an account in my name. They search for my social security number and then tell me that I must have applied for credit and if I did n't that I need to go back to the credit bureau. I 've contacted the local police in my area to only be told that if there 's no dollar amount of damage, there 's nothing to really report so no report taken. 
I have spent an insane amount of time on the phone trying to get resolution but all I get is everyone pointing in the opposite direction but noone doing anything. I have 20 unknown inquiries on XXXX, 17 on XXXX and 18 on Equifax. 
I have placed a personal fraud statement on my reports directing any creditors running an application to contact me directly on my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: LVNV Funding LLC sent me papers with a Writ of Garnishment. They attached court papers with XXXX XXXX XXXX, XXXX as the plaintiffs from 2010. I do n't owe any of these companies and was never served any court papers. I do n't make a lot of money and barely make ends meet with my bills. I take care of my retired XXXX year old mother. Garnishing XXXX % of my paycheck will break me. 

I would be grateful if you guys can get these people to stop harassing me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have received a letter in the mail and multiple phone calls from " Portfolio Recovery '' in an attempt to collect on an old debt that was discharged in Chapter XXXX bankruptcy over 2 years ago. Their organization was listed and notified in the official bankruptcy paperwork. They are one of the most aggressive and careless debt collectors I have ever dealt with. They clearly do n't even check their own records that show all my debts have been discharged, nor did they verify my credit report ( which also shows the bankruptcy ), and I suspect the original debt is past the statute of limitations anyway. Or worse -- they know all this, and are hoping to scare or pressure me into paying something I do n't owe anyway. They appear to be using at least the following numbers : XXXX ( most recent, used to contact me on X/X/2017 ) XXXX main number? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 have been in contact with Equifax for the past 6 months in regards to accounts on my credit report that were fraudulent. I have supported police documentation to substantiate my claims. Every other CRA has removed those accounts. Not only has Equifax not removed but they refused to tell me the method that was use to verify my account ( s ) nor have they sent the documents as I have requested for approximately 6 months. Equifax is a fraud and clearly has no regard for the law and the FCRA!

Company response to consumer: Closed with explanation