milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2018 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XXXX XXXX, 2018, Navy Federal Credit Union wrongly approved a XXXX XXXX  transaction transfer from my account to an unknown source. Someone called in pretending to be me and the agent within Navy Federal Credit Union released the funds even though there were multiple red flags that it was not me calling in. The person calling change both phone numbers on the account. They then requested to increase the cash withdraw amount from my account from {$3000.00} to {$4500.00} even though I did n't have that much money even in the account. I was informed by a representative within Navy Federal that that was not even something they were allowed to do. They then approved releasing all the funds from my account except approximately {$150.00} even though I had six pending transactions. The agent within Navy Federal would have been able to see that releasing those funds would cause my account to be overdrawn and they still approved the transfer.

As soon as I caught the error in my account, I contacted Navy Federal and the first representative informed me I could n't do anything until the transaction cleared my account. After speaking with other people, I went down to a Navy Federal branch and spoke to the 
assistant manager and he was able to submit a fraud complaint and try to stop the transaction. If the first agent would have attempted to stop the transaction as the assistant manager did, it 's possible we could have kept the money from being picked up at XXXX XXXX. The assistant manager also informed me that just the month before a similar fraudulent activity with a XXXX XXXX transaction occurred with another Navy Federal member. The next day I submitted the requested fraud complaint forms and was informed by the fraud department that because of the type of fraud it was, they would not be able to release any credits to my new account as I had already requested to close the compromised account. This leaves me with no funds until they complete their investigation. They informed me the investigation could take up to ten business days. 

I feel that under these circumstances and because of the erroneous missteps taken by the agent within Navy Federal, they should have released even a small portion of my funds back to me. I feel this is a misrepresentation of their fraud protection they offer on their bank accounts and that rather than having my best interests in mind, they are only protecting themselves and their agent 's mistakes leaving my family with no money while they investigate these actions.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NRA Group, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Neighborhood Association ( through NRA Collections, XXXX, PA ) attempting to bill for illegal, arbitrary, and excessive debts, without due process and verification of authority -- that is, no covenants and restrictions at this association, as they expired in 1990, confirmed by XXXX XXXX XXXX, XXXX County NC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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 requested validation of a public record on my account which Equifax, XXXX and XXXX all sent me a letter stating they received information from a 3rd party stating that the 3rd party verified it I contacted the 3rd party which is XXXX XXXX and they stated that under no circumstances that these credit bureau 's pulled anything from their site nor comform by an agent to verify your circumstances and it 's misleading and fraudulent to state as such! Then I requested it be removed again they sent me letter stating that the XXXX XXXX XXXX verified the same thing upon contacting the Bankruptcy court of TN to see if they had verifiy or validated any information concerning me I was told it is against the law to exposed or give any information comconcerning court documents about a person information which is illegal and unorthodox to be open for a lawsuit! So I 'm filing this complaint against the credit bureaus for misleading information that was given to me and that they removed all public records & accounts that has not been validated!

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (Medical debt) with Eastern Account Systems of Connecticut, Inc. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have asked the company to removed this information from my credit report, but yet it has not been done, it is still showing up and my credit report as collection paid, closed I have disputed it with XXXX and also with the company .all I am asking for is to have it removed permanently from all of my credit files. XXXX 2016, {$570.00}. what I do n't understand is why should I keeping on disputing this from the first time I asked them to removed this debt I should have taken care of.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Please help me and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from Navient Solutions that is showing as late, but was paid in full for the full balance. I have brought to the consumer credit bureau 's attention multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with Navient Solution Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Navient Solution provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Navient Solution Cease and Desist all further communications and collection actives and provide the verification of the purported debt..

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Contacted neighbor by phone, despite not having permission or information by debtor to seek contact via this party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Trouble during payment process

Complaint: The service provider of my mortgage, Bayview Loan Servicing, wanted to initiate a modification of my loan conditions based in a Hazard Insurance policy added to my loan for an amount of XXXX XXXX/month. Bayview said that it was included to my mortgage due to the lack of answer from my Homeowner Associations to their proof of hazard insurance request. 

Once after Bayview acknowledged that they received the corresponding proof of Hazard Insurance from my Homeowners Association ; Bayview decided to remove the mentioned fee as per Bayview letters attached to my previous CFPB complaint # XXXX of XXXX XXXX XXXX. 

My loan was modified and signed by Bayview 3 years ago and adjusted to my XXXX XXXX income that to present has not changed and is still for the same amount. I can not accept Bayviews new loan modification proposal without a legal ground or proper reason. Bayview XXXX wants to increase my monthly payments progressively, change my mortgage interest rate from fixed to variable, and extend the number of payments from XXXX to XXXX making the current mortgage period from 24 to 33 years. 

Because I have not accepted these changes, Bayview has filed a foreclosure request on XXXX XXXX XXXX, and suspended it on XXXX XXXX XXXX. This seems to a way of intimidation and harassment. 

Frivolous foreclosure grounds : Bayview has filed a frivolous foreclosure on the XXXX XXXX XXXX district ( ( Foreclosure case # XXXX ) against my home using the false statement that I have not paid my bills since XXXX XXXX as a mean of pressure against me because of my denial to accept their modification proposal. Making a foreclosure of a home is a very serious matter. They should have started by asking me for proof of my payments instead. 

I am current on my mortgage payments to them as shown on my Bank statements sent to Bayview through CFPB on XXXX XXXX XXXX ( complaint # XXXX ), but even after receiving my proof of payment, XXXX hasnt closed the foreclosure case. 

Bayview has returned my XXXX XXXX mortgage payment to my Bank 4 times, and just returned my XXXX XXXX payment too, Bayview stayed in its answer to CFPB that they are unable to accept my payments because my home is in suspended foreclosure dated XXXX XXXX XXXX. Their foreclosure was based on the false allegation of lack of payment and I consider it falls into the range of frivolous foreclosure. 

I therefore request this foreclosure case to be closed in the next days, or I will be forced to start a demand according to Fla.Stat. sec. 57.105 to dismiss frivolous foreclosure action with prejudice. This situation is really affecting my health negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do n't have an account with Capital One which has sent an account listed in my name to an Attorneys office for collection. 

This account was written off 2 years ago according to the letter attached with Capital One. This account was opened " online '' which was not by me, therefore, Capital One does not have a signed contract from me.

Capital One has agreed to Cease and Desist their collections. 

However, I just received a notice from : XXXX XXXX, XXXX XXXX XXXX XXXX OF XXXX, STATE OF NEVADA regarding Capital One Bank vs XXXX XXXX. 

They want to file a Default Judgment on me. 

This is not my account. 

Capital One has Ceased all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: To Whom It May Concern, I had an overdue medical bill from date of service XX/XX/XXXX  with   XXXX   XXXX   XXXX   in the amount of {$1300.00}. Due to financial hardship the bill was turned over to   XXXX   XXXX   XXXX   XX/XX/XXXX  and they aggressively pursued debt collection attempts. I had no way to pay them so it then went to   XXXX   XXXX   Judicial District Court on  XX/XX/XXXX  and a hearing date was set for XX/XX/XXXX for conciliation hearing. I was notified, by mail, of a judgement entered for  XX/XX/XXXX . My place of employment at the time was mailed the garnishment information on  XX/XX/XXXX  and withholding of wages was to start  XX/XX/XXXX .
I called and spoke with   XXXX   XXXX   with   XXXX   XXXX   at  XXXX  and made payment arrangements for two check installments of {$780.00} for  XX/XX/XXXX  and  XX/XX/XXXX . I have proof of one check being deposited by anchor bank   XXXX   trust account   XXXX   on  XX/XX/XXXX  but can not provide a copy of the check on  XX/XX/XXXX  due to my bank records online only going back 15 months.
My issue is that I am trying to sell my house and their is a lien on my title and an unsatisfied judgement on my credit record due to this debt. It was paid in full and when I call the phone number   XXXX   or   XXXX     XXXX   XXXX   XXXX   it either plays a continuous busy signal or a recording says " all circuits are busy ''. My closing date is in a week and I need this cleared up. Please help in any way you can.

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 09/22/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is an account reporting on my credit file with Midland Funding and I requested the credit bureaus to investigate this. The results from the bureaus indicated it was mine. However I had a representative contact Midland using a power of attorney and they told her that they could not locate any information with my social, date birth, address etc., I then submit a letter directly to Midland asking for validation of the debt since they could not locate me by the above. The letter I received was nothing more than statement from their company stating I owe it. The even more frustrating part is how are they able to locate my information now when they could n't before? All that information was given to them initially to locate the information and the did n't. How do I even know if they did n't input the information when I had the representative call? There was nothing sent to me with my signature, payment history from previous company etc.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: XXXX loans were closed and moved to XXXX, on XXXX XXXX, 2010, however, there are statements on my credit reports that I have XXXX missed payments on XXXX, XXXX missed payment on XXXX and missed payments on XXXX. There were no missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (NY).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: on XX/XX/XXXX I had my 2 PayPal accounts permanently limited. I was told via email that I will be able to withdraw my funds in 180 days which is an exceptionally long time. I was also told I will receive an email when it was available. 

I appealed this decision and it was denied by PayPal on XX/XX/XXXX and again I was told that I would receive an email within 180 when my money was available. 

I never received an email after that and it has been far more than 180 days. I tried to withdraw my money this week in both accounts and PayPal would not let me, saying there is a problem with my account. 

One account has {$23.00} and the other account has {$360.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have sent 4 request for Experian to verify in accurate accounts on my consumer report I asked for them to send me documentation they have in their files that they used to verify these accounts ( FAIR CREDIT REPORTING ACT, 15 U.S.C - 1681g ) I have not received any response from Experian regarding these accounts. I have asked for them to send me the documents and not to just send that they have been verified I would like documentation that show this and if not documentation is not there to immediately delete them under section 611 ( a ) ( 5 ) ( A ) ( I )

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 10/13/2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Presser and Presser, XXXX has threating me to collect money from me when I do n't own them nothing. Along with XXXX XXXX XXXX XXXX, Pressler and Pressler has now even filed for wage garnishment when I owe XXXX amount to their such client. I request federal government to strong action against the firm and suspend their license. In fact, XXXX County Special Civil Court has been the reason as well, if they did their job correctly, consumers like would have suffered to this injustice. There was article that you have sued Pressler and Pressler LLP based on many consumer complaints against the law firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (NC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: XXXX XXXX XXXX has violated the North Carolina Collection Agency Act section 58 70 100. Harassment. ( 3 ) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person. 

XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act section 805 Communication in connection with debt collection [ 15 USC 1692c ] If a consumer notifies a debt collector in writing that the  consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further with the consumer with respect to such debt. 

XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act section 806 Harassment or abuse [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act specifically section : 807. False or misleading representations [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

XXXX XXXX XXXX has violated the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) by its actions of calling consumers cellular base telephone number using automatic telephone dialing system and artificial or prerecorded voice ; 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (PA).
Issue: Account opening, closing, or management

Complaint: I was talked into a commercial savings account and a personal checking account when I had large cash on deposit with M & T Bank. I was informed that I would make more interest earnings this way and that was the best suited for my needs. It turns out that the combination of accounts was best for the bank manager 's bottom line. The " fine print '' was truly fine print that I could not read with reading glasses, but learned over months that the bank did not care about me as a customer. When the cash dwindled, bank treatment of me as an individual also disappeared. Now I do not access to the " secured '' correspondence on their website to prove the agreement I had with a regional vice president that would have solved this entire complaint back in XXXX 2015. This high ranking bank officer would not answer my follow up correspondence, by being absent on the solution, the wrongful fees were turned over to an in-house collection employee in addition to listing me with a banking industry credit " bad list ''. I 've been banking with M & T for close to 50 years and NEVER got such bad treatment or this kind of threatening action that other financial institutions ( if not credit bureaus ) will deny me checking & savings accounts, when they see my name. I want M & T Bank to come back to the agreement reached by the Regional Vice President and me back in XXXX, remove the bank fees that are outlandish by nature of the types of accounts forced into, and the Bank being prohibited from listing me with that all credit bad lists. When evidence is shown that their employees misled me on the advice I sought for following the account rules, I should not have any charges fee against me on the multiple accounts. I would also request that some of bank employees be coached or reprimanded on their mis-information and their non-action on my requests to cancel ACH 's that seem to only benefit the receiving vendors.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have reported numerous times that my payment history is not reported correctly on my credit reports. Nelnet has refused to acknowledge they are not reporting according to the Fair Credit Reporting Act of these facts after numerous letters. Nelnet is reporting a 90 day payment on my account but how can there be a 90 day and the previous months states PAID AS AGREED? They sent me a copy of a payment history that is not reflective of this being accurate either. I have requested this false 90 day be removed. I believe Nelnet is using deceptive debt collection practices with there accounting and reporting of my pay history

Company response to consumer: Closed with explanation