milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I had checking account with Bank of America and I was their customer for over XXXX years. 
in XX/XX/2015 I have received employment checks witch were returned for insufficient funds. and at the same time I wrote checks on the same account to pay bills. The employment checks were returned for insufficient funds. I did let the bank know. the customer service at the branch understood. also I did not have the funds to deposit funds immediately to cover the shortages. when I had the funds couple months later I paid them off and closed the 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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have been trying for over a year to get my credit report from all three credit bureaus. I keep sending them the information to obtain one, my current address, my driver 's license, my social, and other information and I keep getting letters stating they are unable to process because they want the same information all over. I have even sent them mail from the united states postal and the courts and they still keep sending me the same rejection letter. I have also sent information to you and others regarding disputes on my credit that needs to be removed and they keep sending me the same rejection letter. And when they have sent me information it is in someone 's elses last name

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received a letter from the law firm XXXX XXXX dated XXXX XXXX, 2015 that have been retained by Cavalry SPV I , LLC to collect on an amount due from Original Creditor, XXXX XXXX XXXX. 
I have never received any communication from Cavalry prior to receiving the letter from XXXX. From what I have come to learn this is a violation of the Fair Debt Collection Practices Act. 

I believe XXXX XXXX has also violated the FDCPA as I responded to their initial letter within the 30 days and instead of responding to my letter, they filed a lawsuit, responding to my letter two days after receiving the lawsuit. 

I am in the process of responding to a Motion For Summary Judgment as the law firm has not responded to my requests for discovery such as copies or proof of any communication attempts by Cavalry to contact me. 

I have requested proof from XXXX XXXX proving they have been retained by Cavalry to collect the debt other than the law firm stating so on their letterhead. 

I will attach correspondence at this time and will assist you in all ways possible.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are HARD inquiries being reported from the following companies on my credit and Equifax is refusing to remove them even after I called the companies and they advised they had no information on me or any inquiries. My information was used without my authorization. 
Companies : The following credit inquiries are related to none of the aforementioned permissible XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX the collection company on this case has re-aged my account with XXXX. This account was listed with another collection company and was found to be inaccurate and was removed from my credit report. Now this new collection company re-aged this account and is reporting inaccurate information. Experian is reporting this inaccurate 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 11/19/2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I WAS NOTIFIED BY XXXX XXXX THAT MIDWEST RECOVERY PUT XXXX IN COLLECTION ( RECYCLED COLLECTION 3RD PARTY ) FROM XX/XX/XXXXTHIS WAS CANCELLED BY THE STATE OF WISCONSIN BACK IN XX/XX/XXXXTHIS COMPANY WAS A PAY DAY LOAN THAT OVERCHARDEG HIGH INTEREST, IT WAS REMOVED FROM MY CREDIT REPORT, NOW IT WAS OPEN AGAIN ... ..FOR XXXX DOLLARS THIS COLLECTION AGENGY FAILED AND BROKE WISCONSIN AND FEDERAL LAW I THINK -- -- 1 THEY FAILED TO CONTACT ME BY MAIL WISCONSIN LAW CH 427 WISC STATS 30 DAYS MY RIGHTS THAT I HAVE ALSO ENFORCING PAY DAY LOANS IS NOT LEGAL IN WISCONSIN ... ... THAT ALSO INCLUDES WITH FEDERAL LAW THAT THEY FAILED TO CONTACT IN WRITING, THIS IS CAUSED MY CREDIT SCORE TO GO DOWN BY 40 POINTS, I AGAIN THIS DEBT WAS TAKING CARE OF BACK IN XX/XX/XXXX ... LOOKING ON THE LAW THE VIOLATED THE FAIR CREDIT ACT USC 1681 SUBJECT TO XXXX DOLLAR FINE I WANT THIS REMOVED RIGHT AWAY, AND NOTICE TO THE CREDIT BUREAU

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with COMMUNITY CHOICE FINANCIAL, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a notification on    XXXX   XXXX   XXXX      of a new inquiry from Cash Central at  XXXX   XXXX   XXXX   XXXX   XXXX  Utah  XXXX . I called their customer service line at  XXXX  and after being placed on hold by the automated system and again by the first customer service agent,  XXXX , a supervisor that refused to give me her last name, told me that an inquiry was generated for a loan but the application was denied. She refused to tell me who/where the inquiry came from stating that she did not have access to that information. She said that she will initiate a removal of the inquiry but did not give any other information such as how long it would take or what courses of action I had.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (Credit card) with URS Holding, LLC (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I had fallen behind on payments with a XXXX XXXX account. I paid AllTran debt collector XXXX on XXXX/XXXX/XXXX which brought the account up to date. I was able to continue making payments on XXXX XXXX website and have done so every month since XXXX. I have been contacted in an attempt to collect the debt every month. I have told them I am not behind on the payments and am making payments as agreed with XXXX. They agree each month that they should not be calling. Last month I informed them I was beginning to consider the phone calls harassment as there was nothing for them to collect on. They agreed. I asked that I not be contacted again. Today ( XXXX/XXXX/XXXX ) I received a voice mail from XXXX at All Tran ) again regarding this account which is showing current and no payment due until mid XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (VT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I 've had several issues with Navient. I took out my loan with XXXX XXXX in 2011 as a XXXX study loan. The problems started with XXXX XXXX and continue with Navient who took over my loan at some point and I was never informed until way after the fact. 

Since I opened the account I 've got little to no information about my loan. I 'm getting infrequent information and mixed messages about the actual amount I owe. I keep getting letters telling me to sign into an account I never set up to see something from them. I do n't have an online account so I have no way of accessing the information. I get almost no mail from them in fact for over 2 years I received absolutely no mail from them. This month I got my first letter from them that actually has an account number on it since they switched my account to Navient. Prior to which I could n't pay my account via my banks bill pay. In the past 2 years I 've literally only gotten XXXX bills sent to me with payment amounts. 

I 've asked to receive my corespondence by mail. Still I get e-mails telling me to check an account that I did n't make and ca n't open and no useful corespondence. 

I also have informed them several times of my new married name and they have made no attempts to correct it on their records. the few letters I do receive are incorrectly addressed. 

Furthermore from time to time I will receive persistent harassing phone calls from them. From early in the morning ( some as early as XXXX I believe ) to late at night they will often call me 6 or more times in a day everyday for months straight. I wo n't be able to identify who is calling so I never pick up but the voicemails are all recorded messages Identifying themselves as Navient employees. There are XXXX-XXXX different versions but it is always the exact same messages name plus company and phone number. The messages were exactly the same when it was XXXX XXXX as well including the names of the employees but with the company being XXXX XXXX not Navient. 

Finally the few times I have gotten answers as to how much I owe and what my payment should be the information has been contradictory. I 've gotten told different amounts that I owe for the same month and have no clue what my current repayment plan looks like or how much I should be paying. I ca n't make informed decisions without accurate information. The few payment receipts I 've gotten do n't show my total loan so I have no clue if things are being applied correctly to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (FHA mortgage) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I could not pay mortgage on condo unit. The bank sent a Financial Solicitation Package, requesting hardship document, XXXX, income information, etc. After package was sent, I waited. Weeks went by, before i was told a document had expired. I resent document, and waited ; then I was told the case was closed. Finally, after more calls and paper submission, the Modification was denied! I asked for documents to be transferred over for next step in lieu of foreclosure ( Deed in Lieu or short sale ), weeks passed, I was called and asked to resubmit the papers because they could not be reused. I resubmitted the documents. Months later i was told my Deed in lieu was accepted! I had to agree to pay {$700.00} ( not actual amount ) a month for several years & then the bank would take the unit back. The problem with the agreement was 1. The Banks Mortage Assistance Team was only working on XXXX of the loans ( unit has XXXXloans on it ), 2. when i calculated what they were asking for it was exactly what I OWED! ONLY OFFERING ME A LOWER MONTHLY PAYMENT, which was over {$20000.00} dollars. 3. They asked me to send another package to see what they could offer me for the XXXX loan! I could not pay, so i asked for the next step besides foreclosure ; i was then told ; try a short sale. As I was about to work toward the short sale, I received another call from the bank, detailing what I could do before foreclosure. XXXX XXXX stated, i could file for modification, deed n lieu, short sale. I informed her that I filed, refiled, and had waited for almost a year, before i was told everything was denied. She stated, that I could give the property back to the bank. Finally the burden would be over! and it was better than having a short sale denied ( which I was told was a probability ) so I agreed to that, and waited for the papers to be sent. I received, once again, the Financial Solicitation Package! I have worked with XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. This bank has NO integrity towards their customers. They are NOT working to assist the customers in solving MORTGAGE PROBLEMS. THEY ARE NOT HELPING CUSTOMERS TO AVOID FORECLOSURES.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (GA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX I received notice from XXXX XXXX that one of my accounts had been closed. 
Looking into this I discovered that First National Bank of Omaha had indeed closed my {$3000.00} credit account with a {$0.00} balance. 
I have had this account open for 6 years with an absolute flawless pay history ... .matter of fact I have a flawless pay history on all of my credit accounts. 

The reason I was given is that they use an automated system that determined they needed to close my account due to high balances. 
The {$3000.00} account that was closed pushed my utilization up to 56 % where it had been below that number. 
The reason I was given by Bank of Omaha was that they felt I was over extended and did not want to give me a chance to owe them any money and then not pay them so they closed my account before I had a chance to do that. 
Now I have a flawless pay history on all of my accounts ... revolving and installment and Mortgage. 
No reason to ever think I would not pay. 
Matter of fact I use my credit wisely and often pay off big chunks at a time, but really that is niether here not there. 
Because of this account closure ... ..that is 6 years old and flawless ... .they have hammered my credit scores by more than 40 points. 
Age/History makes up 35 % of your score. Now my scores have plumetted to the 660 range and this could cause a chain reaction down the line where other creditors might start cutting limits which will in turn drop my scores even further ... 
I had something similar happen in XX/XX/XXXX with XXXX and XXXX XXXX XXXXXXXX which you stepped in and helped me with and we were able to get their actions reversed. 

I understand that Bank of Omaha can issue and refuse credit as they see fit.. 
However, I do not see how they have the right to arbitrarily impact my credit scores when they have no track record of me being a bad investment. 
I have no bad track record on any of my accounts. 
The action of First National Bank of Omaha has made me look like I am just an average borrower of many when I have done nothing wrong.

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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I submitted my deferral paperwork in a timely manner ( prior to deadline ) and I followed up with them several times via telephone. I was told they had the paperwork and that it was in process. I was shocked to find out that it was on my credit report. I was reassured many times that it would be processed timely and not be reported on my credit.

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 09/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AZ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I was informed by my credit card company on XXXX XXXX, 2017 that they have changed my credit card from a Credit Limit to a " Credit Access Line ''. Based on what my research indicates this will have a negative impact on my credit score. As a result of my research I reached out to my credit card company and informed them that I am declining this change. Within 24 hours Chase informed me that I had no say in this matter and that they would not be reverting my account to its original terms.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Mortgage (Conventional fixed mortgage) with Capital Markets Cooporative, LLC (OK).
Issue: Loan servicing, payments, escrow account

Complaint: CMC Funding XXXX # XXXX purchased our mortgage in XXXX of 2016. Since then we have issue after issue with our statements showing the wrong amounts, payments not being debited to our account in a timely manner, warnings that our payment is more than 30 days past due. I have called and emailed multiple times. Each time I am told someone will get back with me in 24-48hrs, but no one ever does. I need help, they are not doing anything to resolve these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Bank account or service (Checking account) with PAYPAL HOLDINGS INC. (MD).
Issue: Problems caused by my funds being low

Complaint: File against : PayPal Credit ( Bill Me Later, Inc ) Refusal to admit me in a hardship program for my XXXX, XXXX in car wreck unable to pay, I should qualify for a med hardship program? I am currently still treating for XXXX and XXXX resulting from a car crash that was not my fault. This XXXX has caused me to lose income and hours. I have repeatedly tried to bring this to the attention of paypal credit relating to my balance. My credit continues to get hurt because I am not on a proper repayment plan. I do not want my credit hurt, I want a proper repayment option or options that I may be entitled to given my XXXX hardship. All my other financial institutions have offered me programs for this type of issue. What are available to me? Please respond in writing to the mailing address on file, so that I can bring my account in good standing. Thank you. 

Your Desired Resolution : I do not want my credit hurt, I want a proper repayment option or options that I may be entitled to given my XXXX hardship. All my other fincancial institutions have offered me programs for this type of issue. What are available to me? Please respond in writing to the mailing address on file, so that I can bring my account in good standing. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2016 about Credit card () with SYNCHRONY FINANCIAL (ME).
Issue: Billing disputes

Complaint: The Care Credit card which I use when I have work done on my teeth at XXXX XXXX on XXXX XXXX in XXXX, Maine is a part of General Electric 's Synchrony Bank. It 's a great concept and I enjoy the flexibility it affords me. My issues are this : They have these promotional programs which offer lower interest over a short period of time then when they end the cardholder gets whacked with a large amount of unpaid interest which if not paid is added to the running balance on the account. I find this unfair. 
XXXX, Synchrony Bank ( Care Credit ) wants the vendor ( XXXX XXXX ) to not charge the customer less than {$200.00} on a procedure. For example, I have a XXXX appointment which costs me {$100.00} but they charge my card {$200.00} and keep a {$95.00} credit balance. They capture {$95.00} of my money and hold onto it instead of just charging my card the {$100.00} for the appointment. The {$95.00} credit is used to pay towards the next procedure. 
This was explained to me by the people at my XXXX XXXX location. I object to this policy by Care Credit. XXXX told me that Care Credit wants its vendors to do this.

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 04-09-2018 about Mortgage (Conventional home mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Trouble during payment process

Complaint: I paid for the first two quarters of real taxes to my town last XX/XX/XXXX. I informed my mortgage lender Santander Bank about it but the Bank went ahead and paid the taxes for the first quarter of this year. I informed my town about this double payment and it returned the amount paid by the Bank on XX/XX/XXXX. i do not have escrow account and asked the bank to refund the money back to me. till today i.e. XX/XX/XXXX, it did not return my money. This is Bank which charges exorbitant fees towards non-payments n late payments if we happen to do it. I want you to hold this bank also responsible asking them when they did get the money bank and the reason for its non-payment with stiff penalty n ask them to return my money with interest. 

Thanking you, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit card () with PAYPAL HOLDINGS INC. (GA).
Issue: Billing disputes

Complaint: I made an ebay purchase on XXXX XXXX 2015 through paypal to the XXXX for {$370.00}. Paypal billed my paypal account associated with ebay AND my paypal credit card account. Discussions with paypal go something like this, they say to call paypal if I call the credit card section and vice versa. I suspect this is the tip of the iceberg and I am not the only one being cheated our of my money. I felt when I talked to the XXXX arms of paypal the system was rigged to never refund anyone any money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a a unverified account from PORTFOLIO RECOVERY # XXXX, # XXXX # XXXX, # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX. I had previously disputed this account. I have never done business with PORTFOLIO RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, If PORTFOLIO RECOVERY think I owe the a debt then send it to me in writing. I dispute the validity of the debt purport I owe. I request that PORTFOLIO RECOVERY Provide verification of the following : 1. ) Original date of default and collection activity begin 2. ). Whether you purchased the debt, and if so, the amount paid for the debt 3. ) The date ( s ) the debt allegedly accrued ; 4. ) 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 PORTFOLIO RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. Do not ever call my phone XXXX if I ever gave permission in the past I am revoking it.

Company response to consumer: Closed with explanation