milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: This is my SECOND complain exactly on the same issue. XX/XX/XXXX after filing my my original complaint Bank of America agreed and " corrected '' the problem until XXXX XXXX when the exact same TEN DAY HOLD issue started again XXXX I have a large XXXX Mortgage " Line of Credit '' with Bank of America. Whenever I make a loan payment over {$5000.00} ( which I do often ) BoA places an automatic TEN business DAY HOLD on each payment EVEN if my payment is made by a Federal Wire Transfer and even on my business checks written from Bank of America on the grounds that they unilaterally determined that any payment over {$5000.00} is " suspicious '' EVEN wire transfers and checks drawn on their own bank. Given the definition of a " Line of Credit '' typically involves a certain velocity velocity for large payments and withdrawals. TEN DAY HOLD is simply stupid

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Management Partners, LLC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Gym owner offered 12 month membership for XXXX month price if paid in full at time of signing up. Signed up on XXXX/XXXX/15, owner closed business on XXXX/XXXX/15 after not paying rent since beginning of year. I disputed half the amount on my credit card since I was only able to use XXXX a years membership, owner being in breech of contract of 12 month deal. Feel deal was made deceptively, with owner knowing he would be closing within XXXX months as evidenced by realty company filing suit to have him evicted and making a settlement with hi on XXXX/XXXX/15 after many months of not paying his rent. He has now sent me to collection agency for XXXX amount of credit card dispute, which is still being investigated by credit card company. He has done this with all members that disputed any part of his membership fees on their credit cards. I can provide you with names as needed. He also sent a nasty message to my cell phone threatening that " DSG Collections will be calling you often until your new obligation of {$720.00} is paid for ''.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Other debt) with Nevada Credico, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have disputed this several times with nothing being received. I do not owe {$100.00} please remove

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have contacted Navient on XX/XX/XXXX and spoke with 3 representatives - one was a supervisor. I noticed that my overpayments were not being applied to principal but only a credit towards the next months payment. I read Navients repayment allocation statement which said that they will apply overpayments to next months paymnet unless otherwise instructed. I called to instruct them otherwise. All 3 representatives assured me my payment was being applied to principal and that it 's a " computer glitch '' that shows a reduced payment. I then read them their own company 's statement with payment allocations. They still said the same thing. None of them could or would help to get my overpayments applied to the principal and not a credit towards next months payment. The supervisor told me the only way to avoid this problem is to enroll in auto debit and make another payment the same exact day they auto debit my account. I do not want to enroll in their auto debit. I 've asked to have my overpayments applied to the principal and they have refused to do so. Not one of them could explain to me how an overpayment could be applied to principal and reduce my monthly payment and none understood their company 's statement of how payments are applied. Navient is preventing customers from paying off their loans early.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: HARD MONEY LENDER AGENTS WHO ARE NOT EVEN LENDERS/BANKS ARE SHARING MY CREDIT FILE AND PERSONAL CREDIT INFORMATION INCLUDING MY SOCIAL SECURITY NUMBER AMONG THEMSELVES. 
THERE ARE COMPANIES SUBMITTING HARD INQUIRIES ON MY CREDIT REPORT WITHOUT MY PERMISSION. 
I HAVE TO KEEP FREEZE ON MY CREDIT FILE TO AVOID RUNNING MY CREDIT BY THESE AGENTS. 
THE HARDMONEY LENDER INDUSTRY NEEDS REGULATION AND MONITORING AS AGENTS WHO ARE INDIVIDUALS OBTAIN ALL PERSONAL FINANCIAL 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 04-01-2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/2107 I received and alert stating that LVNV funding LLC has added a new collection to my XXXX credit report. This is inaccurate information because i paid this debt to XXXX on XX/XX/2017. A pay to delete letter was submitted to XXXX on XX/XX/2017 along with a cashier 's check for {$100.00} which stated that upon cashing the check XXXX would be in agreement of accepting the payment as paid in full for debt and removed this collection from all XXXX bureaus within 15 days of cashing. XXXX cashed my check on XX/XX/2017 and mailed me a letter on XX/XX/2017 stating that they no longer own the collection and that i should contact XXXX.XXXX cashed my check then sold this account to another collection company by the name of LVNV funding LLC

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (MN).
Issue: Account opening, closing, or management

Complaint: Synchrony Bank of XXXX Florida created a fraudulent bank account in my name and issued an Amazon credit card that was used to purchase a XXXX laptop computer. I was never contacted about the creation of this bank account or issuing of the credit card.

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 03/17/2017 about Debt collection (Medical) with Medical Business Bureau (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have medical insurance and co-insurance that covers my medical bills. I disputed this outstanding amount with the hospital and it was resolved. Upon checking my credit on XX/XX/XXXX, 2017, the collection was on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continued attempts to collect a debt that is not mine. Continued reporting to all XXXX credit bureaus of a debt that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (KS).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I specifically spoke with someone in the Risk Management department who stated that my account would continue to be suspended as long as I had delinquent accounts on my credit bureau.
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Subsequently, I was induced into paying off all debts, and a copy of my credit bureau is attached reflecting this.
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I then spoke with a XXXX XXXX on numerous said they were waiting on the credit bureaus to update. I was transferred to Risk Management who said they specifically use XXXX and once XXXX updated the bureaus to reflect my delinquent accounts were paid, my account would be unsuspended.
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I had spoke with XXXX XXXX on at least five different occasions in which she asked that I send proof via e-mail to her that I had paid the delinquent accounts off, which is also attached.
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To date, my credit bureau reflects I owe two current accounts. 1 ) Discover who I have been making my regularly scheduled payments to on time and 2 ) XXXX XXXX XXXX which is also in good standing.
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Every time I call Discover I am not allowed to speak with anyone other than XXXX XXXX. In my last conversation with XXXX on XXXX XXXX, 2017, I was told the account was not going to be unsuspended at this time due to other criteria that Discover reviews.
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When I asked what that criteria was, or if the account would ever be suspended, or what I needed to do to establish a good credit history to have the account unsuspended. XXXX XXXX responded that specific information was for internal use only and he could not disclose that to me.
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I find it a complete abuse to induce someone to paying off specific debts with the promise of un-suspending their credit line without following through on that promise. I also find it an abuse of the Truth in Lending Act, the UCC, and Contracts Law as a whole for a creditor to effectively take adverse action and not disclose to the consumer what criteria they must meet in order to stop the adverse action.
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As XXXX XXXX is the Highest member of escalations an I have been told is Personal assistant to XXXX XXXX CEO of Discover Card I believe any response to this complaint would only be appropriate to come from Discovers legal counsel as I have obviously spoken with several members of the executive management team, all of which have made promises to which they have not followed through on.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The large Equifax hack leaked my personal financial identification data. My credit cards, XXXX, and other personal identifiable data could potentially be used to steal my identity and commit fraudulent financial acts.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: XXXX currently services my student loans. I am enrolled in the public service loan forgiveness  program and my employment was certified back to XXXX. Twice I have sent letters ( XXXX and XXXX of XXXX ) asking XXXX to review my payments made under this program during the time periods for which they already certified. I sent very clear information to them documenting payments made over the past ten years. The first letter I asked them to certify payments already listed in the XXXX XXXX XXXX XXXX. Unfortunately this database is missing payment information related to over 5 years of payments made under three different loan servicers. I 'm not sure why payments made toon federal loans are missing ( XXXX ) from the database especially since I have always had federal loan servicers such as the XXXX XXXX XXXX XXXX. 

XXXX initially certified 28 payments which were mostly recent payments made after XXXX. Not long after their records changed to indicate that only 26 payments have been approved towards the 120 payments required for PSLF. No reason was given as to why two payments were dropped. I explained in both letters to XXXX  which servicers held my loans and during what years. In my most recent letter of XXXX XXXX I sent bank statements indicating payments that were made for over 50 months during time that they have already certified. This was because the database did n't have any records of payments being made during this time period. 

There has been no response whatsoever since. I have several sent messages on their website asking for why two payments were dropped from their calculations, what months have actually been qualified thus far and the status on the bulk of my payments made since XXXX for which I provided detailed documentation. 

Both my ex wife and I have maintained public service employment for almost 20 years she as a XXXX  and myself with XXXX and XXXX XXXX. Our experiences with the loan servicers has been nothing less than a nightmare for the past ten years. The servicers have no accountability towards the customers when questions are posed or information is sought after. The practice of capitalizing interest is even worse for students. Our original XXXX in student loan debt has turned into XXXX during this time. We 've never been in default and always made our payments except a few times for financial hardship during the great recession. 

We are counting on loan forgiveness and concerned the Department of Education will not follow through on its commitment.. 



In any other financial program this would not be acceptable. 

Please help. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Credit card) with Forster, Garbus and Garbus (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I was called by XXXX saying I owe XXXX for a debt that is 7 yes old. The debt was only XXXX. Want me to pay XXXX. To settle. Forster and garbus

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: JH PORT or whoever this is are reporting a collection debt that is not mine. I was a victim of identity theft and sent them the appropriate documentation as instructed from the FTC & XXXX XXXX. 

Please assist. Thanks 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 04-06-2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: As a result of a class action lawsuit, ( XXXX v Equifax information, case Services ) case # XXXX ( XXXX ). I was to receive free credit monitoring and any Va District Court Judgement removed. This was in XXXX of 2016. I have the monitoring service, but the judgement has not been removed. I called serveral times. No one had any info about it. 
I tried to get to the corporate office legal department, but I had to know a specific name. I am a XXXX vet, trying to purchase a home. This prevents me from qualifying. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have chase premier checking account. When i am trying to withdraw money from it - I am having various issues : 1 ) If i am using quick pay using XXXX - it says email address already exists. Of course it exists as i did the transaction like that 2 weeks back. So what chase want - for every such transaction create a new email address?

2 ) When entering XXXX routing # and the a/c # - then it says that this a/c exists with another customer 's profile??? what???? what should i do? 

There is no way it allows me to take out my own money ... .called the toll free # ... first first line support and then the supervisor ... paethetic customer service who simply wants to verify me first with my Debit card 16 digit # and the PIN ... i offered them other ways to verify them but they were not moving ... so nothing can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Credit reporting () with Experian Information Solutions Inc. (HI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am refinancing so I have been checking and correcting my credit reports with the XXXX main agencies. I have paid both Experian and XXXX for a " XXXX Bureau Report with Score ''. 
The problem is a discrepancy between what Experian reports XXXX score as and what XXXX reports my score to be. I understand they use different scoring scales and their propriety credit models to determine their scores, but I do not understand why Experian would report XXXX score so much lower, compared to Experian and XXXX, than the score XXXX gives me for all XXXX credit rating agencies. 
XXXX XXXX, 2015 Experian reported the XXXX Bureau Scores as below : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX reported the There Bureau Score as XXXX Experian XXXX XXXX XXXX XXXX XXXX I do n't understand is why XXXX reports all scores to be about equal but with the Experian report , the XXXX score is about XXXX points below Experian and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Advertising and marketing

Complaint: I have opted out permanently on the FTC site from credit card offers, however I have just received one in the mail. I was hoping either you could help me or you could point me in the direction of who could, in terms of filing a complaint, getting this issuer to stop sending me offers ( they include no opt-out number in the offer ) and finding out how they were able to send me this offer when I 'm opted out. 
Any help you could offer me would be greatly appreciated. 
Thanks.

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 04-06-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX we submitted an application to switch my wife 's student loan repayment plan from XXXX to REPAYE. The application has still not been completed and we are being asked to pay an amount that makes no sense. I understand one month requires a {$5.00} forbearance amount, which we did for XXXX 2016, but now they want another {$5.00} payment for XX/XX/XXXX which will not count toward our 120 payments for Public Service loan forgiveness program. We get excuses like " it is being processed '' & " we have put in for it to be expedited '' but it should not take this long to get done. 
In XX/XX/XXXX I filled out the required annual income verification to remain on a reduced payment due to income and a request to switch from XXXX to REPAYE, and they rejected my application and have placed me in the the Standard 10 year Payment plan which tripled my month payment due. They claimed I did n't sign my application, but it 's an electronic application that you ca n't submit without a " digital signature '', when I called FedLoan they blame the system and say they ca n't access the application to " see it '' to verify the application was submitted correctly. This is ridiculous. They blame the system, and blame " processing ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2015 about Debt collection (I do not know) with ERC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have requested validation from Enhanced Recovery Company and the letter was delivered XXXX XXXX, 2015. I have not heard from the companies nor have they bothered to validate or remove the invalid debt from my credit report. 

This is now damaging my credit making it harder to secure a mortgage. This is criminal behavior at best and without proving that I owe a debt after requesting evidence, how are they allowed to continue to damage my credit and good name without punishment?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2015 about Credit card () with U.S. BANCORP (MI).
Issue: Billing disputes

Complaint: I disputed a charge on my US Bank credit card. US Bank acknowledged the dispute, notified me of the temporary reversal of the charges, and credited my account for the disputed amount. During the review of the dispute, US Bank allowed the vendor ( s ) to continue to charge my account new charges. I received letters from US Bank stating " We have concluded our investigation and the case was found in your favor. The provisional credit we issued to your account is now permanent. '' Now US Bank is reinforcing the fraudulent activity and placed these charges back on my account. Now they have racked up an unbelievable amount in interest and late fees along with the fraudulent charges. Do not get a credit card through US Bank, huge disappointment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/15/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Good evening, I have been battling the collection practices of  'Hunter Warfield  ' and  XXXX   XXXX  ' for years now.   They claim I owe over  8k in  collections for a wrong doing eviction that occurred in XX/XX/XXXX  XXXX  XX/XX/XXXX    I was told by  XXXX  that I could resolve the remaining 6 months of my lease with their leading Office due to the fact that my roommates left me stranded and I could no longer afford rent. They WERE notified of all this in email and I was willingly authorized to vacate the premises before an eviction occurred.  XXXX  agreed to this because they had confirmation from the VA, that I was not receiving my military housing benefits on time which put me behind on rent. Only a month or so. In   XXXX  , I had orders from the  XXXX   XXXX  to report to   XXXX   XXXX   in Texas for a  XXXX  to  XXXX .   They WERE notified and I thought I was covered under law due to my military orders.    XXXX  quickly evicted me and added over  2k in f ees.    Hunter Warfield them then took over collection and harassed me for months with no re gards to my situation.   This debt has been removed twice from my credit reports (   XXXX    and   XXXX    )  but have emerged on my reports both times. I can not afford an attorney and have never been issued any legal documents or paperwork in regards to the debts or my options to settle said Debt.   I am pleading for assistance, as this collection account has coated me uncountable credit hardships. Thank you, Best Regards  XXXX   XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation