milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing/Cancelling account

Complaint: Bank of America has just cancelled my credit card. I received no notice whatsoever and they will not give details to why other than it being a " business decision ''. My account had close to XXXX reward points that I have been accumulating for years and was counting on which will now be lost. I had an {$80000.00} credit line spending approximately XXXX monthly. I have spent over XXXX dollars over the last 11 years with them. I have never been late and always pay my bill in full. I have an excellent credit rating. There is no recourse nor contact to discuss this. It will eventually hit my credit report. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: There are XXXX Inquiries on my Equifax Credit File ( XXXX, XXXX, XXXX, XXXX and XXXX ) that I did not apply for and when I contacted them about it they ignored me. This has been going on since late XXXX. 
Also they were suppose to delete a fraudulent collection from XXXX and XXXX that they refuse to delete as well as provide me with any information on. I contacted the creditors for these XXXX inquiries as well as XXXX and XXXX and received no response. It has been more than XXXX days on both the inquiry removal request and the false collection removal request, I sent Equifax the proof of both disputes and nothing was done. I will be contacting the GA Attorney General and filing a lawsuit against Equifax if this matter is resolved immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: In XX/XX/XXXX I submitted a dispute to Experian over the telephone. I am unable to submit a dispute online, because I have an extended fraud alert on my file. The fraud alert has been on my report since XXXX. Today I pulled my Experian Credit report, and discovered approximately ( 7 ) inaccurate items that I believe belong to someone with a similar name. I called 6 or 7 times trying to get through, and kept receiving an automated message that my estimated wait time was over two hours. Eventually I got through and the rep disconnected the call. Then I got through again and I was repeatedly transferred back and fourth being told I needed to discuss my dispute with a different representative. I believe all this was being done intentionally, because I have previously filed another complaint with your agency against Experian. There is also the presence of a fraudulent P O Box address listed on my Experian report that does not belong to me. I never did get a rep to file my dispute which means that I will now have to mail it, causing additional delays in getting due process to resolve this issue. I believe that Experian Credit reporting agency is reluctant to allow me to file my dispute. In the past I have been told by reps at Experian we can not dispute your account due to a previous investigation.

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 01-09-2017 about Debt collection (Medical) with Medical Data Systems, Inc. (MA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Debt collection agency : Medical Data Systems. Received telephone call at my place of employment without written or verbal permission to do so to discuss a debt owed. Continued to contact my employer after I verbally asked not to.

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 09-06-2016 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Credit line increase/decrease

Complaint: Sams Credit Card : I have been a customer for Sams for more than 10 years as sams member and credit card holder- I have recently opened a consumer credit account Sams Mastercard XXXX for the last 3 1/2 years I have been paying my bills on time - However during the last three months I noticed an unusual active - During the previous years the credit card payment were managed by GE Financial and now is managed by Synchrony Bank - Once Synchrony bank took over I started to have problems with my credits and also the posting date of my payments. 

The problems started during the XX/XX/XXXX-XX/XX/XXXX statements - I always had a minimum payment automatic withdraw from our account - However, XX/XX/XXXX I realized I was going to have to make a payment under another because of lack of funds - So I switched the payment to my wife 's bank - I called the Synchrony Bank to make the and switch the account for this one-time payment over the phone - representative took my payment, However, they never process the payment causing my account to go as past due - Not only they did not process the payment but also did n't cancel the electronic payment causing my bank account to go into overdraft status. 

I realized that I could not make the payment for the following month - However, I quickly called Synchrony Bank I paid the past due amount and the following month only to find out the Synchrony Bank had " Lower my credit limit and raised my payment over the next month. Now even though I made my payments and kept with the account current they have close my account and immediately reported this to the credit agencies. I do n't believe this is fair not the issue to immediately reporting this to the credit agencies -

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 03/21/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Making/receiving payments, sending money

Complaint: Sometime after XX/XX/XXXX but before XX/XX/XXXX I paid my XXXX store credit card bill. Unfortunately for me my payment was applied to another account. I had paid the bill using my mother 's Bank of America bank account. I tried multiple times to resolve the situation, to no avail. I was repeatedly told that they ( the XXXX card company reps ) understood and would fix it, but nobody ever did. It was sent to collections and I again explained my situation. After many attempts to fix the situation I gave up. In hindsight this likely was n't a good idea but I was beyond frustrated. The account was opened in XX/XX/XXXX and closed due to non payment in XX/XX/XXXX. I received a call XX/XX/XXXX that I was being taken to court over this debt. I have negotiated with the law office handling the case against me to have until the end of XX/XX/XXXX to get the copy of the bank statement showing my payment. My mother closed the Ban of America account, perhaps in XX/XX/XXXX. I spoke with BoA customer service and was told they could look up closed accounts, but could only look back a few years by phone. I was instructed to go into a branch and they would be able to help me. When I spoke with a branch manager in person she told me they only hold on to records for 7 years. I fully explained my situation and she again said they only go back 7 years. I called customer service again and was told by one person they could go back further if I ordered them. I was then told by another person that no they could not go back further, they could only look back 7 years, I want to know if there is ANY way possible to obtain bank account records from this account ( my mother was with me in the branch and on the phone, since it is her account ) from before XX/XX/XXXX. If I can show the payment then I can prove I made it and not be held accountable. If I ca n't get the records from the bank I have no evidence to prove my payment and will either have to pay the original amount or have the court judgment go against me and owe hundreds more. I am so upset that I paid my bill and somehow am being punished. I really hope there is something that can be done to help prove my payment. 
Thank you!

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 12/30/2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (UT).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: This company is calling every morning between XXXX and XXXX from different numbers. I live in Utah. When I try to call i am sent to a voicemail that never allows me to leave a message or I call one of 10 different numbers they call from are then placed on hold and the. After 3-4 minutes disconnects me. Everytime.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Dear Sir or Madam : I am a veteran, recently I relocated to the state of Georgia. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.

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 12/17/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: CB deleted account for XXXX on XXXX XXXX and the account was added back in XX/XX/XXXX2016. Equifax failed to validate the debt in 30 days and continues to allow the company to report to my credit at their leisure without validating said debt. I have sent letters to both Equifax and XXXX to resolve debt and have it removed to no avail. Equifax continues to violate my consumer rights by allowing this company to place unverified information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (MD).
Issue: Other transaction issues

Complaint: I contacted Western Union for an issue with the funds attached with my Western Union account. I contacted Western Union on XX/XX/2015 at XXXX XXXX in regards to changing the name of the receiver for my Western Union payment. The first person I spoke with was pleasant and helpful, then the supervisor was called because the number was n't the same as the number on file. I explained that I had already changed the number and that the new telephone number was all I had. XXXX then told me that it was a " compliance department problem and they were the only ones able to correct the situation '' he told proceeded to tell " me to hang up because know one would help me ''. After demanding someone else to speak with, he placed me on the line with a compliance officer who told me that it was " in fact the customer service department and them only who could handle such a situation ''. XXXX, the alleged customer service manager at that point because immensely disrespectful and rude. He then transferred me to another person, a woman by the name of XXXX, who was acted as if she was clueless on the processes of the customer service department. She then placed me on hold for 35 minutes and then hung up the telephone. I am overall disgusted and dismayed with the care I received on the telephone and hope that this situation never happens to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Struggling to pay mortgage

Complaint: We have tried numerous times to work with Ocwen Loan servicing and they have been stringing us a long for years saying that they would do a loan modification and we did 2 or 3 times trial payment just to either come back and reduce it by XXXX they are just playing games with consumers. After dealing with this and the frustration we ran into a company that specialized in forensic audits in mortgages and they found that Ocwen has done fraud our mortgage and do n't even have the original note. How is it that the judges allow bank like Ocwen to come and hurt and mislead and cause bank to foreclose on home owners that are only really trying to get help in making payments because of a hardship they have been going through instead they take advantage of the situation and have no consideration nor any intent to help.

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 06/24/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I submitted proof that a XXXX account and a judgment appearing on my credit report was not mine or reporting in error .As of today they have not remove these accounts from my credit reports. Help

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On   XXXX   XXXX   XXXX   the amount of {$860.00} was auto-debited from a checking account for a monthly federal student loan payment. This was {$520.00} over the agreed amount and what should have been debite d ( {$340.00} ). I hav e physical paperwork mailed to me from  Navient  which outlines starting  XX/XX/XXXX   XXXX  payments of {$340.00} would be made followed by  XXXX  payments of {$860.00} starting   XXXX  . When I spoke to a representative at  Navient  on    XXXX   XXXX   XXXX    I was informed that they did not see that information in the system and in order to be given a refund I would need to mail or fax in a research request asking for the refund and to also submit proof that the money was debited from my account. That process takes  3-4  weeks. I was also informed that if I were to get a refund they would not be able to refund the {$520.00} overage amount they would refund the entire payment which would make my account delinquent. In order to avoid this I would need to apply for forbearance which reflects negatively on my account. I asked to speak to a supervisor and if there was anything that could be done as this payment caused my account to go negative and my budgeted living expenses were taken by  Navient for the  month. There were no resolutions from this call. My account has been current with all payments made on time since receiving the correspondence from Navient  XX/XX/XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/20/2017 about Student loan (Federal student loan servicing) with United Student Aid (USA) Funds (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan XXXX XXXX XX/XX/XXXX was at {$21000.00}, which was hardships and forbearance etc. I switch to Navient. Now it 's {$50000.00} showing on my credit, then they offered the Rehabilitation loan - I missed one {$5.00} ( XXXX dollar payment by being late ) I was already in my 6th payment of 9 ... they made me start from scratch all over again ..my second Rehabilitation attempt ... now in XX/XX/XXXX I finally have my 9 XXXX payment in ( do to hardship ) I am just waiting for my loan to come off default on my credit report. I have lost a lot of jobs and school time because of this and LARGE INCREASE IN STUDENT LOAN DEBT. what a wonderful solution. It increased my debt. because I miss or was late with XXXX dollar payment ... I was even unemployed at the time looking for a job : ( They said they would send me a letter in 30 days stating that my student loan is off default and to the Credit Agencies stating my loan is now in Good Standing. Let see if that true by XX/XX/XXXX*

Company response to consumer: Closed
Consumer complaint received 02-07-2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: I submitted a claim on XXXX XXXX, 2015 about Santander Bank. I just returned to the U.S. from XXXX and received the letter they sent in response. In the letter it says they identified that I requested an " All Debit Opt-Out '' in XXXX 2015. However, the letter states that the request was not submitted for processing until XX/XX/XXXX. First of all, I requested a complete opt-out of any form of over drafting when I first opened the bank account, a few years before. After getting hit with a {$35.00} fee I went in to complain and was told it had been fixed. This happened a few more times, before the clerks I spoke with at Santander finally managed to set the Standard Overdraft Opt-Out. Secondly, the letter acknowledges that I requested the All Debit Opt-Out in XX/XX/XXXX, yet for some reason they did n't process that request until XX/XX/XXXX, but still held me responsible for the overdrafts that occurred during that period. Moreover, the letter states that an item may not decline if there were sufficient funds at the time the payment was requested, even if there no longer is by the time the payment is processed. This does not apply, as there were charges initiated on XXXX XXXX, XXXX, and XXXX XXXX that either pushed me into a negative balance or cleared after I was already over drafted by XXXX dollars or so. I was informed by a Santander representative that I should learn to manage my money better. On XXXX XXXX, 2015, over two months after Santander acknowledges that I requested an All Debit Opt-Out ( which, as aforementioned, I requested multiple times prior to that ), and two weeks after Santander acknowledges that they finally got around to submitting it for processing ( only after I sent multiple emails inquiring about what was happening ), I was told by a Santander representative via email that, " Your recollection of clearly stating no overdrafts may be becoming more clear in retrospect. '' I have included the claim I submitted before, as Santander 's response restated their policies without addressing my specific complaints. The closest they came was when they said : " In reviewing this matter we identified that you requested an All Debit Opt-Out for the account with our Oak Bluffs Branch in XXXX 2015. However, the request was not submitted for processing and only the Standard Overdraft Opt-Out election was on the account at the time the transactions were initiated. '' In addition to what I included in my previous claim, I would also like to know why the bank holds me responsible for something it took 2+ months to submit for processing. 


Case number : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 02/21/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On three recent occasions, JP MORGAN CHASE BANK has been manipulating/ reordering transactions on my checking account.

The first two purchases ( same merchant ) were made on XX/XX/XXXX ( for {$10.00} ) and XX/XX/XXXX ( for {$8.00} ) and posted quickly. However, the transaction disappeared a month later, and now reappeared as posted on XX/XX/XXXX - almost a MONTH later. The third transaction ( second/ different merchant ) occurred when I made a purchase on XX/XX/XXXX ( for {$7.00} ) and posted within two days. However, transaction disappeared as well, and now re-posted on XX/XX/XXXX - WEEKS later. 

I called both merchants to verify when they collect and their funds from the bank and assured me that they do so within days. When I called the bank, they deflected stating that it is unlikely merchants collected so quickly and that they usually/can take up to a month to collect funds from the bank. What?? I informed the agent that by logic, no merchant - especially a small vendor would want to wait that long to collect monies, and I reminded her that I had originally seen these amounts posted to my account and now re-posted under a new transaction date as of XX/XX/XXXX. 

No explanation or resolution was offered other than " we're sorry to hear you were inconvenienced '' was offered.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (GA).
Issue: Other transaction issues

Complaint: Paypal offers a service of virtual money which is tied to a checking/debit or credit acct to make purchases without leaving your information available to hackers ... They also have a dispute service when dealing with vendors without ethics or deceptive practices ... 

I have used Paypal in dealing with an internet company that has defrauded me of delivery of my purchased items and now refuses to act in a manner complementary to what they claim to offer ... I have filed a dispute regarding a purchase and they have sided with a vendor claiming I have recieved the merchandise ....

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: The copy of the deed of trust that Select Portfolio Servicing ( " SPS '' ) has provided to me references a promissory note signed by both myself and my spouse and none of the copies of the promissory note that SPS has provided were signed by my spouse. See attached letters dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. To date, despite only being able to provide copies of an invalid deed of trust, SPS has refused to provide any explanation as to what authority it has to proceed with the trustee sale currently scheduled for XXXX/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 09/24/2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX XXXX, who was claiming to be with the Office of Investigations Fraud Department called my daughter and told her if I did not contact them within XXXX hours they would be forced to file charges on the complaint and would be sending officers out to my home to arrest me and " make a scene ''. I called them back and found out it was regarding an old payday loan from Ace Cash Express. They told me that I had until XXXX to pay them ( but would n't tell me " who '' I needed to pay and they refused to give me contact information until I was ready to make a payment ) {$480.00} and that they had waived the {$5000.00} in fees. When I called back again to ask for verification of debt because I was n't paying them without a formal notice, XXXX told me that I could only pay in cash or debit card and that if I did n't pay today then I would be going to jail for 45 days and would lose my XXXX.

Company response to consumer: Closed with explanation