milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2017 about Credit card () with PENTAGON FEDERAL CREDIT UNION (AL).
Issue: Closing/Cancelling account

Complaint: I have an account with Penfed and they recently cancelled my credit cards without reason and without warning. The excuse customer service gave me is that they " could n't verify my income ''. I have submitted my XXXX and paystubs TWICE and they did n't say anything was wrong with them. For them to close my accounts AFTER giving me the cards is beyond unprofessional. If I was n't credit worthy to them, they should not have given me the cards in the first place. Even worse, they closed them just before the statement is sent to the credit bureaus so now it shows me as having a credit limit of {$0.00} with a balance of $ XXXX+ which has SIGNIFICANTLY lowered my credit score. This whole situation is beyond unfair.

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 12-09-2017 about Debt collection (Credit card debt) with Penn Credit Corporation (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: the company PENN CREDIT has called my home on several occasions and it is a recorded message referring to a XXXX XXXX - I sent a fax to XXXX and told this company that she does not, never has and do n't know where she is - to CEASE AND Desist the calling. 

Received on this date XXXX/XXXX/XXXX at XXXX a.m another call from this company - after I sent the Fax to CEASE AND DESIST calling. I just now sent this company another fax to tell them to CEASE and DESIST calling my home. 

The XXXX fax number is to the main headquarters. the address is Penn Credit Corporation XXXX : XXXX XXXX XXXX XXXX, XXXX, PA XXXX Phone : ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: TD BANK ALLOWS TRANSFERS THAT THEY CLAIM ARE IMMEDIATE BUT THEY TAKE THE MONEY OUT OF ONE ACCOUNT THEY APPLY IT TO THE OTHER THEN THEY CLAIM THE TRANSFER MADE THE ACCOUNT OVERDRAWN IF THAT IS THE CASE THEY SHOULDNT ALLOW THE TRANSFER NOT CHARGE {$35.00} FOR A {$10.00} TRANSFER

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-08-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit card protection / Debt protection

Complaint: I have submitted a complaint against Citibank for an identity theft a few years ago. The bank has done nothing at all, but the cost to me is about {$40000.00} now. I am sure that XXXX rules were violated by the bank and have written this to them on this website, but I have no response. What more should I do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America had incorrectly reported to all XXXX credit bureaus that I had missed payments in my credit history. I contacted Bank of America to dispute this information and they advised me that I had to dispute this information with each individual credit burea, which I did. 
XXXX XXXX and XXXX both deleted the missed payment information, after their investigations but XXXX, after their investigation, advised me that the missed payment information will remain. Bank of America is still reporting to XXXX that I have missed payments. I have been late in the past, several times but I have NEVER missed an entire payment. Bank of America should correct the information they are providing to XXXX. 
I have filed several XXXX complaints against Bank of America and they have not resolved any of the complaints. Consumers should be aware that Bank of America is a dishonest company and they need to correct their mistakes but they will not.

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: on XXXX2017 XXXX erroneously reported to XXXX that they had closed my XXXX XXXX account ( ending in XXXX ) and opened a new account XXXX XXXX ( ending in XXXX ). 

This was not supposed to be reported like this and this adversely affected my credit score. 

I have communicated this to XXXX via 1 ) email 2 ) US mail 3 ) certified mail 4 ) phone and 5 ) fax I have credit alerts showing this reporting. I have sent this documentation to XXXX also through the above-listed methods. 

XXXX  refuses to correct this error. 

I have also filed a dispute with XXXX. 

XXXX XXXX XXXX

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. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and had my personal data listed in an easily stolen format. My SSN and credit history are now possibly in the hands of criminal hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: I am trying to file a complaint against Bank of America on a Home Equity Loan ( XXXX ) which I paid off in XXXX. The problem began after my ex-husband, XXXX XXXX, passed away on XXXX XXXX, XXXX. His current wife, XXXX XXXX XXXX, sent a statement ( XXXX XXXX ) from BOA to my office in care of her tenant XXXX XXXX. Up until this time I had no idea there was a loan against our jointly held property located at XXXX XXXX XXXX, XXXX, XXXX XXXX as there was already a privately held mortgage on this property. 
When I contact BOA to ask about this, I was told my social security number was not the XXXX on the account and that I should go to a local branch as they could not tell me any information over the phone. I went to the BOA branch at XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX and spoke with XXXX XXXX XXXX. I explained the situation and she contacted BOA and got me a copy of the signed loan application, changed SSN on file to mine, and had statements sent to my home. XXXX XXXX advised me to contact BOA 's Fraud Investigation unit. 
I contact the Fraud Investigation Unit ( XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX ). I sent her all the information and she turned the case over to XXXX XXXX. I had to fax XXXX XXXX property documents, divorce decree, and other papers. XXXX XXXX 's stated that the signature looked strikingly like mine and that I was responsible for loan. I began making payments as I did not know what else to do. At the same time XXXX XXXX from XXXX XXXX was handed the case as they insured the loans that BOA bought from XXXX Bank. She too asked for all the paperwork and my story. Because I made payments on the loan XXXX dropped their investigation as making payments means I accepted responsibility. I did not know at that time that I had a choice. XXXX XXXX told me to ask BOA for a copy of the ID that was used to authenticate the loan and prove that I was the person in the Bank. XXXX XXXX informed me that this loan was originally with XXXX Bank and was opened in XXXX at which time I was already divorced. This is the year that XXXX XXXX purchased his home in XXXX and I am of the opinion that the money from this account was originally used as the deposit for this purchase. I have since paid this loan off as I sold the XXXX property. 
To date, no proof of identification was every provided. I have had to pay {$90000.00} for a loan that was used to purchase XXXX XXXX 's home, and he wrote checks to his wife and her children. I am unsure of how XXXX Bank issued a loan on a property that was already mortgaged. 
I wish to know if there is anything you can do to assist me in recouping this money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with American Coradius International LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/2017, I received a collection notice in the mail from American Coradius International LLC ( ACI ) stating that I owe {$480.00} to XXXX, and that I have 30 days to dispute the debt. The notice also states that ACI will settle for {$360.00} if I make the payment by XX/XX/2017. I 'm filing the complaint because I do n't owe XXXX any money. I have a XXXX account that I occasionally use for XXXX purchases, but it is connected to my bank account and the amount is immediately withdrawn. Based on what I 've read on the internet, I believe that this is a scam and I am requesting that legal action be taken against ACI.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Payday loan) with Solidus Group LLC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: debt collector apparently purchased my file from XXXX threatened to turn me over to XXXX county where I reside. harassed a co worker by calling my work.

Company response to consumer: Closed
Consumer complaint received 11/14/2016 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (CA).
Issue: Credit decision / Underwriting

Complaint: I applied for a refinance XXXX loan to equity ratio. {$490.00} was paid for an appraisal which was completed in a week. Now 10 days short of 3 months the rate lock has had to be extended for a third time. Representatives piecemeal their requests for documents weeks apart. I ask them why have n't they asked for them earlier in the process and they give amateur excuses, ie. they had to let go ( fire ) the processor of my loan, influx of applications due to XXXX etc. The frustration comes from our timely action to doc requests, but then a response from them a week later for another document. I 've already had to pay another month on my original 1st and 2nd mort. and when I ask if I should pay another month the rep. says late fees will apply but wo n't affect my credit report. I ask them if they will cover late fees and rep. declines. The real problem is the anxiety from being duped by a shady operation and prevented from shopping around because of the upfront cost of the appraisal, not to mention the thousands of dollars of a higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Enhanced Recovery Company has not verified a debt they clam I owe, and they are not licensed in the state of CT to pursue any debt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-10-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: In XX/XX/2002 I was struggling to find a job, kept being told if I had a degree I would be better off. So, I found XXXX XXXX and the XXXX XXXX XXXX got me set up for financial aide. 

I was led to believe that the college would help me find a job once I graduated, which they did not. And that my degree would help me pay off these student loans. 

Now, with XXXX I've had NO problems EVER. They are concientious, their fees are legitimate. I have been dicking around with XXXX XXXX for 16 years now and my XXXX has not gotten out of control AT ALL, unlike the XXXX XXXX fiasco. I thank XXXX that my loan to XXXX XXXX was only for {$5000.00}, which is now {$11000.00} ( you can see from attachment what I've paid and what DID not go to the principal ). My XXXX is going down because I am now officially ignoring XXXX XXXX and concentrating on paying XXXX off. 

I want this perfectly clear, if XXXX XXXX had legitimate fees it would already be paid off. How do I know this? Because in this same time frame I purchased a XXXX truck for {$5900.00} and paid it off within 3 years. 

So, why didn't I get XXXX XXXX paid off? Because for every payment I made went to INTEREST only, nothing went to the principal. I've attached copy from Navient website. 

I was at my wits end and finally found your website ( after years of searching the web for suits against XXXX XXXX ), so I am sending this in hopes of some kind of resolution. I don't feel like I owe them ANY more money. It was only a {$5000.00} loan people! What the heck has happened to our country where big corporations are allowed to run roughshod over citizens that pay their taxes and served their country honorably. 

Thank you for your time. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I submitted proof of identity fraud to the Equifax credit bureau. My disputes were not kept on file in their system when I called to confirm they had been placed. The fraudulent information has not been removed from my account or the inquiries. My rights to the Fair credit reporting act are not being up held.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (NC).
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: XXXX has a collection of {$900.00} from ERC. This apparently was from a XXXX XXXX account. I have never had XXXX XXXX in my life. I spoke to a rep at XXXX XXXX in XX/XX/XXXX, and they said they had no record for me. I have disputed this several times with XXXX, but every time I do, ERC reports it as just opened. I spoke to an XXXX rep and the latest dispute was XX/XX/XXXX, and ERC reported it opened in XX/XX/XXXX. How does that even make sense? I 'm trying to buy a house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (MO).
Issue: Other transaction problem

Complaint: I sold an item on  XXXX  and sent wit h USPS postal service with tracking number an also insured it for {$600.00}. Twelve days later buyer reported that they did not receive an item. Pay Pal immediately stole my  funds and gave it buyer. Pay Pal had tracking number and shipping history and still did n't refunded my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with REGIONAL MANAGEMENT CORPORATION (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted Credit Recovery Associate in regards to a collection for XXXX that they are reporting on my credit profile. I have disputed this with the credit bureaus as well and getting no where. This debt is not mine but this company continues to try to collect this alleged debt from me. This company is not following FCRA in regards to reporting information. This company can not produce any documents with my signature or contract where I signed a agreement with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Bank of America , N.A . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX, XXXX. 
Property Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Loan No. : XXXX. 

I have submitted a Request for Modification Application to to Bank of America 25 times in XXXX of XXXX i finally received a trail modification. 
I made all payments required and signed and sent in a final modification agreement, the bank claims they never received it and denied my modification. 
i then resubmitted many modification application in an attempt to have the bank provide me another modification. 

I have submitted the required documents to the banks office and confirmed a complete package is received, I also have a pending foreclosure sale date and the bank have not acted to suspend the foreclosure and cancel or postpone my sale date. They are duel tracking my loan, the same exact actions they were sued by the government which you have agreed to a settlement in lieu of a judgment commonly known as The National Settlement Program. 
The bank agreeing to the consent order is very clear of your actions then and still now. 
The bank also provided me notices that my loan was part of this Settlement. 
On XXXX XXXX, XXXX, I sent to the bank 's office a letter accepting the trail modification with a principal reduction under the terms of the national settlement agreement, and I made more than 9 trail monthly payments and sent in the signed final modification agreement to your offices. The bank claimed you never received such agreement and denied my application. 
I have submitted more than 5 more applications, all of which have been denied and ALL NEVER REVIEWED FOR THE NATIONAL SETTLEMENT PROGRAM. 
I am demanding action from your office to overlook the review of my loss mitigation file to ensure the reviewer is reviewing for the National Settlement Program. I also demanding a letter from your office indication clearly why I am not being reviewed for the National Settlement Program. 

You are required by Office of Mortgage Settlement Oversight and Office of the Comptroller of the Currency, are required by law to continue with a review under the National Settlement Program, even if you do not offer any government programs. Your denial did not include the under the National Settlement Program. 

At the time you must inform the bank as NOT to move forward to request a new sale date, a clear violation of the Real Estate Settlement Procedures Act, XXXX XXXX. XXXX. 
I AM DEMANDING A VERIFICATION THAT YOU WILL BE enforcing the bank to be REVIEWING MY LOAN UNDER THE NATIONAL SETTLEMENT PROGRAM. 

thank you please contact me by mail at the address above.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that put myself, my family, and millions of others at potential risk. Further, Equifax has failed to professionally handle the reporting of this breach. Very little was done to notify the public for nearly a month after the breach was detected. I was never the recipient of an email, letter, or phone call notifying me that my personal information was stolen, and instead found out via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have a address XXXX XXXX XXXX thats reported on my credit report that I never lived at that address is on there as a previous address, I will like that to be deleted from my credit report due to a address I was never associated with 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 non-monetary relief
Consumer complaint received 11-03-2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents the their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I disputed. Please resolve this matter as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is saying no is no past due balance on my account

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 09/30/2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Convenience checks

Complaint: I wrote a convenience check which posted in my account on XXXX/XXXX/2016 and the credit card company posted the charge twice. I have contacted them 4 times and they admit that it is the same check and should be subtracted but nothing has been done. It is still charged to 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 07/20/2016 about Debt collection (I do not know) with Vital Solutions, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Vital Recovery Services has called me at least XXXX times. I spoke with a manager who informed me that the calls were in error and they were managed by basically a " robot ''. She promised my number would be removed. My number was not removed so I called again. I spoke with another person who assured me there was an error and that my number " was n't even on their books ''. I 'm still being called daily ( often twice daily ). This is disrupting my life and business since my phone is a critical part of my business as I 'm self employed. 
Vital Recovery Services- XXXX

Company response to consumer: Closed