milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Making/receiving payments, sending money

Complaint: I applied for XXXX about a month ago after hearing alot of positive feedback. I was looking for a flexible summerjob and it seemed to be XXXX. I filled out the information on the website that was required. I did not do a backgroundcheck for that required extra money. About XXXX days later, I received an email from someone who claimed to be XXXX and needed a babysitter for his son XXXX for the summer months as they move to XXXX for vacation. I was excited andagreed to the offer. I was also told that I would receive a week for the job for XXXX times a week. I was told I wouldreceive a check in the mail to run errands before they arrive. The check came and it would not process through the bank. 
The bank told me it was because I am not used to depositing such a large amount ( {$1900.00} ) at once for I usually depositbetweeen $ XXXX {$400.00}. 

The next job offer I received was to babysit a babygirl named XXXX a few times a week. The dates would n't confilct soI took the job. This time the check was for {$2700.00} to send to housing agents and someone to ship the toys for the kid. 
The story was the family got relocated for a job. I was supposed to meet them Monday XXXX XXXX for icecream to meet thefamily. 

The last job offer was from XXXX XXXX siply to run errands, not to babysit. The check was for {$1800.00}. 

Overall, the bank did not tell me these checks were fraudulent so I transferred the money and now the banks are asking for {$3500.00} to pay back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (NY).
Issue: Managing the loan or lease

Complaint: In 2009, I went to XXXX XXXX in XXXX, NY for XXXX XXXX XXXX. One of the XXXX XXXX employees offered me an option to apply for a Care Credit credit card, in which it would pay for my loan and the card was also interest free. I was never advised of any other terms of the card. I accepted it and went through with the procedure. I continued to pay on my Care Credit account, with no late payments, until it was approximately half-way paid off. I then noticed my pay off balance had substantially increased. I contacted Care Credit via phone and they advised me that, since I did not pay off the entire balance during the " promotional period '' that all of the interest was applied back to my account. I was not made aware of this by XXXX XXXX nor Care Credit and I was completely taken off guard by their response. If I would have known then I would have certainly paid off my balance in that time period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed this account to all XXXX credit bureaus to no avail. I have submitted documentation to the credit bureaus from the creditor stating the account is closed and to remove it. The credit bureaus will not update my reports

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I submitted a dispute online to XXXX regarding several the XXXX times XXXX XXXX of CA is on my credit report. XXXX never removed any of the errors on my credit report and continues to erroneously report them which is having a grave impact on my XXXX XXXX The letter for Verification of Debt was sent to XXXX XXXX of CA in XXXX, XXXX and they never sent a response to me and continue to erroneously report many accounts on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Debt collection (I do not know) with USCB Corporation (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: ATTENTION DISPUTE DEPARTMENT USCB CORPORATION ADDRESS :  XXXX   XXXX   XXXX   XXXX , PA  XXXX   XXXX  #  XXXX  PHONE :  XXXX   XXXX  Your company have violated FCR A 615 ( f ) ( 15 U.S.C. 1681m (  f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items  may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person (  company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section  1681c-2 of this tit le has resulted from identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A   ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.   A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section  1681c-2 of this  title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.   The reference items are listed below please take this matter very serious   XXXX     XXXX  AND  XXXX  AND ANY OTHER ACCOUNT ASSOCIATED WITH THIS I have report your company to  XXXX  As a form of record and I am prepare to sue your compan y Example In re   XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act  Litigation, Case No.  XXXX , in the  U.S. District Court fo r the  Southern District of Calif ornia USCB CORPORATION Stop collection proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX  SOC SEC #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , FL  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 04-02-2015 about Payday loan () with Big Picture Loans, LLC (OK).
Issue: Charged fees or interest I didn't expect

Complaint: I was in a bind and took out a loan with CastlePayday.com, which is actually Red Rock Tribal lending. When I applied someone called me immediately and rushed me through the process of the loan. After reading some things about this company online i realized ... ..Oh no, i better go print my papers. I log into my account online and it reads loan amount {$800.00}, Finance Charge {$280.00}, pay off balance {$1000.00}. I print the contract and it says finance charge of {$6000.00} and annual percentage rate of 787.4136 %, total pay off {$6800.00}. HOW IN THE WORLD. So I immediately contact the company and revoke my ACH and they tell me that they will now remotely-create a check and send it to my bank for payment because i dont have the full {$1000.00} to pay on payday. I dont know what to do. The contract states that this is a tribal loan and i have basically given up all my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: There were XXXX accounts from Navient that were removed from my credit reports and added back without proper notification. Please remove these items immediatley as they are in violation of the FCRA. 
Cited text under 611 - 15 U.S.C. 1681i ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).

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 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: I have tried several times to submit a dispute for an error on my credit report with experian. Both   XXXX    and   XXXX   have correctly deleted this account but Experian is refusing to investigate this matter and report correct information. This has caused serious damage to my credit report and my life style.   XXXX   XXXX   has reported incorrect collections account for a court judgement which has already been paid. This information needs to be verified and deleted off my credit report as a collections 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 12/18/2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX and LVNC Funding LLC continues to place me in collections for debts that are not mine. The are now claiming that I owe LVNV Funding LLC for an XXXX XXXX XXXX XXXX debt, and I have never done business with XXXX XXXX XXXX XXXX. When submitting a dispute with XXXX or LVNC, the do n't provide proof. They send a letter stating that it has been verified, but no proof accompanies the letter. When I dispute a debt with the various credit reporting agencies, XXXX turns things over to LVNC or XXXX of their other companies or, visa versa. At this time, XXXX is trying to collect for LVNC. This is a never ending, vicious cycle and it has been going on for years. At this time the collection company contacting me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. The Client Account # that they assigned is XXXX. I am formally disputing this debt. I pray that they do n't send it to another XXXX of their many companies in an attempt to continue hassling me, in an attempt to get me to pay a debt that is not mine, just to make them go away, or so that they do n't ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: i went to XXXX college of XXXX georgia for XXXX with hopes of a better life for me and my family XX/XX/XXXX-XX/XX/XXXX. I finished my course and completed my externship and i was told that they would help me find a job.Career services never helped me with job placement I recieved a letter in the mail XX/XX/XXXX that stated XXXX job placement rates were misleading and that i may be eligible for student loan forgiveness i then filled out the paper work and sent it to the department of education for them to determine. I called to check on my student loan forgiveness application and they told me that it could take up to 12 months to determine at this time i had my loans in deferment so i was not required to make payments but the customer service rep stated that i should put my loans in forbearance. I did as the rep said i should do and a couple days later i got a bill in the mail for {$1000.00} dollars from my lender fed loan servicing. I can not afford to pay that

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: Unsolicited issuance of credit card

Complaint: When purchasing Southwest Airlines tickets I was offered a promotional credit card through Chase with the following rewards ; XXXX Rapid Rewards points within six to eight weeks after spending {$500.00} within the first three months and a {$200.00} statement credit after your first purchase. Once I signed up, Chase upgraded me to a more " premier '' rewards program with XXXX Rapid Reward bonus after spending {$2000.00} within the first 3 months. I did not sign up for this premium program, and Chase was unwilling to correct my request from calling on XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX & XXXX ( supervisor ) to again make a request to correct this issue and was told I could not. Sent request over to marketing department to correct and it was declined. I requested the account to be closed and the credit bureau inquiry removed. XXXX said he could not do that and he would forward me to credit bureau department to handle removing the credit inquiry. I spoke with XXXX from the credit bureau, he stated he could not remove the credit inquiry. He said the rewards program does not affect the terms and conditions of the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (Mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (OH).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: They called to inquire about our late payment. I explained that we had moved recently and that I was starting a new job and would n't receive my first paycheck until XXXX/XXXX/16. They proceeded, and continue, to call multiple times a day several times a week. I kept telling them the same thing each time they called. Finally, XXXX XXXX cam and I made an electronic payment, as promised, and it cleared my bank on XXXX. Apparently, it has not cleared their bank. They called me again yesterday and today. 
Calling and harassing me is n't going to make their bank accept my payment any faster.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Struggling to pay mortgage

Complaint: We represent the seller in a short sale with Bank of America on an FHA loan. The purchase contract and documents were submitted through XXXX in XX/XX/XXXX. There is a cash offer for {$330000.00} and after 7 months of back and forth with the lender they finally approved the short sale on XX/XX/XXXX. the approval letter was sent to us via XXXX on XX/XX/XXXX and the close of escrow date on the letter was XX/XX/XXXX. This is not possible with XXXX homeowners associations. I asked for a one week extension to allow title time to order the demands for the closing. The closer at Bank of America said she had to put in a variance with HUD because the ATP was expiring on XX/XX/XXXX which was ordered on XX/XX/XXXX. On XX/XX/XXXX we received a message in XX/XX/XXXX and also a denial letter that HUD ( the investor ) denied the extension. The complaint is that after 8 months of many hours poured into getting a cash buyer approved for a pre-foreclosure property the file was approved and then denied with in a few days with no answers from any party. We need resolution contacting Bank of America and HUD because many people are involved here.

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 10/28/2016 about Bank account or service (Other bank product/service) with PORTFOLIO RECOVERY ASSOCIATES INC (KS).
Issue: Problems caused by my funds being low

Complaint: The bank charged off the amount owed and then turned around and sold my account to a third-party called Portfolio Recovery. They call numerous times per day at my office when I have asked them not to. They have told me repeatedly that they can not sue me, but they continue to harrass me about the monies that were charged off. I was told by my attorney when we filed bankruptcy that a charge off is like a bankruptcy, it will stay on my credit report for XXXX years but not to pay anything on it, this all happened about XXXX years ago when I filed bankruptcy and paid the XXXX for about 12 months and then had it dismissed. I am in good faith paying my bills off XXXX by XXXX, however, my attorney said to ignore any of the ones that were charged off that they are moot. Between health problems, marital problems, having to move XXXX different times in the last XXXX years I absolutely can not take the stress these calls cause me and have asked this company to cease and desist all phone calls to myself and my husband as they are very disruptive when they call us during work hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: 1. XXXX {$51000.00} paid off account. 
2. XXXX account is not mines.

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 12/13/2017 about Debt collection (Payday loan debt) with NAM National Arbitration and Mediation (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter XXXX XXXX, 2017 regarding intention to file a lawsuit about a payday loan debt that I have no knowledge of and do not owe. I disregarded the letter because it appeared to be a scam. There was a company but no signatures or any legal information or debt verification. I did however contact the company by phone and asked for specifics. I was not given any information and the individual was rude and very threatening about suing me if I didnt pay {$510.00} out of {$900.00} they said was owed. I was contacted again by text XX/XX/2017 stating legal documents were to be served and I needed to get in touch with them. When I contacted the number to let them know they had inaccurate information the person on the phone was very rude and would not provide anyone I could talk to above them. I do not know whatever this debt is. I have been a victim of identity theft in the past and I have evidence and report number. I do not want this company to harass me any longer

Company response to consumer: Untimely response
Consumer complaint received 08-04-2016 about Payday loan () with RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL).
Issue: Charged fees or interest I didn't expect

Complaint: I had taken a loan out with Rushmore Financial. I fully wanted to pay it off within 4 weeks. I was in an accident and had a lumbar fusion. I was trying to contact them to hold off until after I return to work XX/XX/XXXX to pay off the loan. They will not work with me. 
I am not earning any money until I go back to work. I can pay off the loans XX/XX/XXXX. I borrowed {$500.00}. The payments are {$100.00} per week. The current loan balance now is {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (Mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was charged for an appraisal for a home mortgage from Prime Lending, that I did not order, sign up for, or agree to pay for. 

This is the last correspondence from the lender : XXXX XXXX XXXX to me, XXXX XXXX XXXX, We are all set to move forward after reviewing your income. Most important next step : you should 've received an email to e-pay for your appraisal. Please be sure to do that today so that we can order your appraisal. We need to get it ordered quickly since VA appraisers take up to 2 weeks to get reports in. 

We are beginning processing your loan. 

Let us know if you have questions. 

Thanks, XXXX. Loan Officer PrimeLending NMLS # XXXX Office Direct : XXXX Cell/call or text : XXXX Apply online : XXXX I did not follow through, since I found a better offer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Two attempts were made in previous years to apply for the Student Loan Debt Forgiveness program. Based on my understanding of rules regarding this program, I should have qualified for debt relief of up to {$17000.00} because I satisfied the terms of the program ( I was a XXXX XXXX in a XXXX XXXX XXXX for a period of 5 years with no break in service ). However, I was denied forgiveness on both occasions and was not given clear rationale or information on how to dispute the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Navient has called me several times a day for the last 3 months. I have spoken with one of  their representatives and let them know that I would get back to my regular payments as soon as I could. I told them that I recently had a child and it could be a while before I was no longer past due. They told me they would notate it on the account and then asked me how much I was going to pay today ... ... After that conversation I continued to receive multiple phone calls daily and now they are reaching out to my relatives and in-laws to get a hold of me. At this point I will not be paying them a dime. I will claim bankruptcy before I pay them!

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (KY).
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint: Received an unsolicited prepaid debit card with my name on it from a company called netspend. I do not want this card but if i call the number to opt out it wants my social which i will not give. What dhoukd i do? 

Their address on correspondence is XXXX XXXX XXXX XXXX Texas. One phone number supplied is XXXX They say they got my info from a third part data provider.

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