milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: In XXXX, I decided to increase my credit lines and applied to several banks and was approved by all of them. Bank Of America was one of them. I received modest lines of credit on a XXXX and a XXXX. I used both cards and paid them off immediately in XXXX. In XXXX I used both cards again. The cards had 0 % balance transfer offers and I made balance transfers to both in order to lower my interest. Within 2 weeks of completing the transfers, Bank of America sent me letters for both accounts stating that they reviewed my accounts and closed them due to having inquiries on my credit report as well as the balances were too high ( under 30 % ). I believe that Bank of America is a predatory lender who is looking to coax people in on special offers, then they close the accounts and charge them high interest until they pay them off. I am going to press them to see how high the interest goes and when I get the amount in writing, will pay them off ( since i have plenty of cash in my account to do so ) and then will look to sue them. 
This " bank '' even petitioned me to be on their VIP customer list. If you are with Bank of America, you should close your account and move it to a bank that is interested in keeping customers and building relationships. This bank is run by crooks.

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 08/31/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX - XXXX, XXXX calls me incessantly about a debt they purchased from Cavalry SPV I , LLC. I know Cavalary as a pending class action law suit as a result of their unethical attempts to collect debts via repeated phone calls even after the consumer requested not to be contacted any longer. The debt is nearly TWICE the age of the statute of limitations age - seven years here in SC. 

I 've asked on four different occasions in one week for them to cease contact. When you call their XXXX number you 're usually put on hold until some rude customer service representative answers. I was told that if I simply paid the debt, then they would stop calling. I informed XXXX reps that I was going to report them. 

One person hung up on me and one rep informed me that due to the age of the debt and law limits, their client, Cavalary, SPV I, LLC, will not sue me for the debt and will not report it to any credit reporting agency, but offered to settle the account for a one-time payment of {$630.00} if I provided a credit card via phone. Why on earth would I " settle '' a thirteen year old debt that continues to be sold for pennies on the dollar, if according to law I am no longer responsible for the debt? Then, that rep hung up on me as well. 

I also have a letter dated XXXX XXXX 2016 from XXXX XXXX , XXXX stating their client will not report it to any credit reporting agency and I can not be sued for the debt because of its age, yet they l continue to call repeatedly to collect a debt which is thirteen years old. 

I 've since blocked their number, but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Payday loan () with RFNA, LP (LA).
Issue: Charged fees or interest I didn't expect

Complaint: I have a payday loan and cant afford to pay it back and their going to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX, XXXX, XXXX, and XXXX have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX XXXX XXXXXXXX veteran very difficult.

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 03-10-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I called all three consumer reporting agencies about an erroneously reported item on the public records portion of my credit report. The item concerns an incomplete and incorrectly reported judgment from when I filed a countersuit against a landlord ( actually I attempted to file first and she beat me to it ) for improper withholding of a depost and an improper lease. I won the judgment in XXXX Co Special Civil Part - I have a copy of the judgment and a copy of the credit invoice to the plaintiff - a realtor. I spoke with a Indira in the XXXX XXXX Post Judgment Team - who confirms that the court records reflect XXXX XXXX the plaintiff as being held accountable for the judgment and that I won the judgment. Somehow the entity furnishing the information to Experian, XXXX, and XXXX has not been accurate and is not being held to any accountability for the accuracy of this report. I contacted all three credit agencies to include XXXX. The XXXX website wo n't let me enter data - keeps coming up with an error message ( I have a copy ). The XXXX online automated reporting system keeps hanging up on me - two hours I 've spent out of a busy day. I am a XXXX - the reason I was even in the aforementioned rental property - and I am trying to run my XXXX. I applied for a loan. My credit is fairly good - and could be great if there was not this GLARING inaccuracy on the reports. The credit reporting agencies have a very flippant and avoidant attitude towards this issue and other ones like it. We are held accountable through financial penalties for processes and issues which may or may not be accurate- while it seems the the agencies and their clients who are paid to report the information to them ARE NOT. This is hurting my credit score and my credibility in general. These are very trying times to start a business of ANY sort in the US and this has been an incredible drain to try to get this recognized and reported correctly. XXXX just has noted the matter as " settled '' on the report - also reflecting that I LOST the judgment. Transunion is not even letting me report it. And Experian states it has to check with its private vendor of the information even though I sent in the statement of judgment from the court, from my lawyer, and a copy of the entire judgment received from XXXX County Special Civil Part for the docket in question.

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 01-11-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with RIA FINANCIAL (IL).
Issue: Fraud or scam

Complaint: Received a call I thought was from my nephew, on Monday, XX/XX/XXXX who flew to New York for a friends wedding over the weekend.. He had a few drinks and got into an accident. No major injuries but said he did XXXX XXXX XXXX, this is why I thought he did sound a little muffled but he did still sound like my only nephew. I asked him if his wife knew. He said no and asked me not to say anything to anyone until he got home. He wanted to explain to her in person. He was just recently married. He was issued a XXXX and they would n't release him until he paid the woman he hit for her car repairs. Supposedly the wedding and accident was on Sunday and he had a flight to come home on Monday night. He said he was going to have his lawyer call me with the details of how to send {$1000.00} for the car repairs and if we could send it right away he could n't wait to come home. He sounded very scared!! I then received a call from his lawyer, XXXX XXXX who explained to us that we needed to do a wire to wire transfer from XXXX to XXXX to the state of New Jersey attention to a XXXX XXXX who was the woman 's lawyer and that it had to be cash. Never doubting this was not on the up and up, we sent the money via a debit card. A little while later, the same day, the lawyer called us again to say the woman he had hit had just come back to them to say she had ended up going to the hospital and wanted the money for that bill. We needed to send another {$1100.00}. We went back to the same XXXX but a different lady helped us and she had no problem sending them the money. We then received a call from the lawyer again telling us that the money had not gone through because XXXX should have only done one transfer per day. They were going to send us our money back but it would take about 5 days or so. He then wanted us to go to a XXXX XXXX at a XXXX to send the {$1100.00}. Of course we then suspected that we were being scammed. When we told him that we were not going to do that but that we were going to call my nephew 's wife, he hung up on me. We were finally able to reach my nephew to find out that it was not him calling us and that he was safe here in Illinois. My husband has gone to the bank, the local police and has called every government office we were told to. He found out from our bank that XXXX is not suppose to do more than one transfer for a person within one day. We are out both amounts of monies along with the XXXX fees. They really played on our emotions and it is a horrible feeling. We have the name and phone number of the lawyer and we have both of our XXXX receipts with reference codes, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I have contacted  XXXX ,  XXXX  and Equifax on several occassion twice in  XXXX    XXXX   unsure of the dates but I also sent out certified mailings to each crediting reporting agency on  XXXX / XXXX /  XXXX   also again on  XXXX / XXXX /  XXXX   via regular mail concerning several bankruptcies on my credit rep ort .. C as e numbers.  XXXX  Case number  XXXX  and case number  XXXX  ( see attached ). I also sent emails to the  CEO of eac h reporting agency, in which they had a regular rep call me in their stating to tell me that the items were verfied.. On  XXXX / XXXX /  XXXX   I received and email from   XXXX    Execective office  wanting to know a time to call me. I advise I would on talk thrug email but they refuse to email back, but a rep named  XXXX  called me later that day and stated that the items were verified when I asked her for proof she told me to call the courts, that she did n't have any verfiying information also on today a rep from   XXXX   by the name of  XXXX  called me from telephone number  XXXX  and also say that the items were verfied I aske how and he said throug a third party I asked  XXXX  he then said there are several so After I 've explain to each them that I 've spoken to  XXXX  at telephone number  XXXX  with the Missouri Bankrupcy courts and she was unable to find any records that I had filed bankrupcy on my file because I never have. I also called the  XXXX   XXXX  the attorney that I inquired about the information and he stated that he never released nor verfied any information to anyone not even a third party. Because of a previous idenity theft all of my accounts and third party account   XXXX   XXXX   ,    XXXX   XXXX ,  XXXX ,   XXXX   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,   XXXX   XXXX  , and   XXXX    therefore my personal information can NEVER BE VERFIED. This information is damaging my ability to purchase a home and my credit worthiness. These reps are wanting me to suboenia inaccurate information that affect my life as well as the livelyhood of my children.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XX/XX/XXXX XXXX XXXX, XXXX XXXX Re : case # XXXX Dispute 30 day Late payment due to banking error Account # XXXX XXXX Billing Inquiries XXXX, XXXX XXXX Dear Sir or Madam : I am writing to dispute a late payment billing error in the amount of {$120.00} on my XXXX account # XXXX. The amount is inaccurate because 1. I made my monthly payment of {$120.00} on XX/XX/XXXX via website to my credit card company ( XXXX ) 2. I had available funds of {$470.00} on XX/XX/XXXX in my bank account with ( XXXX Card account # XXXX ) to cover the payment with XXXX 3. My bank account ( XXXX Card Card ) processed the payment on XX/XX/XXXX which I still had available funds of $ {$430.00}, but my bank returned the payment in error. 
4. As a result I am now showing a 30 day late payment of {$120.00} with XXXX on my credit report ( XXXX Equifax/ XXXX ) due to the bank error with XXXX XXXX XXXX . 
5. I have disputed this bank error to my Credit Card Company ( XXXX ) and the 30 day late still remains on my credit report resulting in negative credit reporting. 
I am requesting that the 30 day late payment error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement and accurate credit reporting with ( XXXX Equifax/ XXXX ). 
Enclosed are copies of XXXX payment conformation/ statements, and my bank XXXX transaction history supporting my position. Please investigate this matter and correct the billing error as soon as possible. 
Sincerely, XXXX Enclosures : XXXX statement XXXX payment conformation XXXX dispute letter XXXX XXXX XXXX transaction history Dispute letter with Equifax Dispute letter with XXXX Dispute letter with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I got the Transunion free credit report, which took a lot of work, then I had to leave and when I returned several hours later, it said I had to pay for it.

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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Complaint regarding ChexSystems, Inc The 'Inquirer being XXXX XXXX XXXX XXXX , of an Inquiry Date of XX/XX/XXXX. The Reported Information from Check Systems in Form Request prepared for XXXX XXXX XXXX # XXXX. 

The Escalated ' Concerns for Old Information reappearing As ' Reported Information by CheckSytems. I have a 'good repoor ' with the Source of Information As ' XXXX XXXX XXXX . I  was Assured by the XXXX XXXX  President 17 Months Ago that ' this Issue was Resolved. On XX/XX/2018, I ' informed the XXXX XXXX President that ' yet, again there was Old Information still being Reported through CheckSytems. 

Additional Information ' on the Check Systems Report claims ' that ' XXXX also, received this Information, but upon checking with XXXX this is not. true on 'all XXXX Reports. 

Since, CheckSytems refuses to Remove this Information from their Database, And I feel that ' the Information is being used for Identity Theft, I would like to further the Compliant ' with Investigation. 

In a 'gathering of data ' I ' have provided Documentation that ' the Debt of Merchant Disputes were the Negligence of XXXX XXXX Dispute Department , and the Debt was Resolved. 

CheckSytems, XXXX XXXX  and numerous Merchant disputes offers 'Explanation to Continuing Identity Theft, Domestic Finance and Continuing Domestic XXXX being Investigated by, the Federal Bureau of Investigations as well As ' recent and past Compliant ' submissions to the FTC and the CFPB. 

Check Systems also, provided the wrong address recognized by the FBI As ' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM 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 07-05-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Deposits and withdrawals

Complaint: I have a checking account with Capital one bank for 4 years. On XXXX/XXXX/2016 I made XXXX pay check deposit totaling {$2200.00} into my account through ATM in XXXX. I had a temporary job in XXXX from XXXX to XXXX, there 's no Capital One bank there, so I brought it back to XXXX and make a deposit. Later on I found my bank account was been blocked, I went to the branch, and was told those checks were fake and they closed my bank account. Then I asked my boss, he has banking with XXXX, but those money was already debit from his business account in XXXX/XXXX/2016. I came back to the branch, and shown them my paystub and my boss 's bank transaction picture, but they even did n't look at, they insist hose check was counterfeit but refused give me any letter which I could forward to my boss. My co-worker also made their pay check deposit to their bank, but none of them got problem. My boss ca n't issue me another checks, cause he said his money was already take out from his account. Until now, I did n't get any letter or phone call regarding this matter. I just do n't know, where 's my money, and what reason cause this problem? What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I submitted a dispute to Equifax on  XXXX   XXXX ,  2017    to have an incorrect and unverified bankruptcy that is on my credit report removed. I have disputed this inaccurate information that is on my Equifax credit report time and time again. It can not be verified, it is not my account and is inaccurate. It is now pass the 30 day mark for investigation disputes and pass 45 days. I demand that Equifax remove this record from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit card () with CITIBANK, N.A. (IN).
Issue: Unsolicited issuance of credit card

Complaint: Citibank NA in conjunction with Best Buy stopped forwarding credit card statements and further disallowed me from accessing my account online. They state that my account has been closed for nonpayment but ratger than forwarding copies of my credit card statements, they have reissued me a card with Visa as opposed to MasterCard thus adding a tradeline on my credit report for an account that was already considered closed by them. They have done this without notifying me, the account holder, without issuing me a new card and completely refused to allow me online access to set up payments or review any credit card statements. I have been in touch with their Customer Service Department on more than XXXX occasion regarding this and, essentially, have been explained there is nothing they can or would be willing to do to remedy this situation, further delaying any payment they might receieve from me and, to their advantage, adding more interest and fees. 
I have also received various phone calls and messages from people claiming to be representing this financial institution and asking for personal bank account information over the telephone. As my mobile device has been hacked on more than XXXX occasion, and I am no longer receiving preferred, requested communications from them, there is a huge privacy concern regarding their method of operations for this purpose.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Trouble during payment process

Complaint: XXXX XXXX sold my mortgage to Specialized Loan Services and notified me by mail, received on XX/XX/XXXX. My first payment to SLS is due XX/XX/XXXX. I have still not received any correspondence from SLS. I called SLS in XX/XX/XXXX and SLS rep gave me my new loan number and they were unable to provide any other info stating that the loan is in a boarding process. 
I tried calling them twice in the past week and today and unable to speak to anyone. Today, I was able to access my account online with SLS. I see that my escrow shows a balance but states non tax escrow account. They only show my homeowners policy info. I had escrow impound with XXXX XXXX for property tax and HO insurance. It appears that SLS received rollover of my escrow balance approximately $ 3,4xx.  This amount should cover for my property tax as well. My next prop tax is due soon. Please help. There are many other customers going through this issue. We should not be treated like this and there seems to be no corporate responsibility on the part of SLS. You  can reach me at XXXX. 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 09/26/2017 about Debt collection (Other debt) with ERC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: There is a collection account which is unknown and I do not owe this company {$410.00} requesting removal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I get an account with XXXX XXXX who still showing open. This account was satisfied on XXXX 2015 and supposed to be closed. I want this information to be updated with Equifax case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Recovery Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I mailed them a letter asking for legal validation of this debt on XXXX/XXXX/15. They have not responded to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation