milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2017 about Checking or savings account (CD (Certificate of Deposit)) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: went to b of  America  in  XXXX  to transfer my ira that was due to mature on  XXXX / XXXX /  XXXX   and the bank stated that I had to pay  XXXX  transfer fee

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 08-11-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Debt was included in CH XXXX BK. They have called me 6-7 times these past few months trying to collect this debt. This is very illegal. I have phone documents to prove this. They deserve to be fined, and Deserve a settlement. 

I have phone records showing the incoming calls from them. THIS IS HARASSMENT!

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (Payday loan debt) with Allied Collection Services, Inc. (Nevada) (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX Allied Collections falsly reported a debt to my credit from a company called XXXX XXXX. I have never taken out a loan with this company. I have never heard of this company, and this report on my credit is malicious and fraudulent. It is not a mistake because just last month they falsly reported an invalid debt by XXXX XXXX online to my credit. Now they have removed the XXXX XXXX  debt and posted this debt to my credit. They have reported the XXXX XXXX debt on my credit twice. The same debt has been reported two times which is illegal. This is fraudulent! Please help, this company is harassing me and intentionally ruining 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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Here is the situation I have my wife as an authorized signature on a couple of my accounts. The problem is she is just that an authorized signature. Now when we pulled up her credit reports these accounts show up on her report. Now when I signed her up I never gave any information on her social security number nor did they ask for it. Why do they have the right to put that on her credit report without a social security number? So if that is true then anyone in the world can put her name as a authorized signature and it will show up on her report and you would n't know unless you pull up your reports. This to me is a invasion of privacy and should not be allowed unless the primary person puts a social security number down. What is the fix to using an authorized signature.

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 11-01-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PNC Bank N.A. (CA).
Issue: Trouble during payment process

Complaint: Bank not responding the Demand for release of a lien on our property. 

At our request our Attorney XXXX XXXX at XXXX XXXX XXXX and XXXX had sent the PNC Bank several Demands for Reconveyance of the Lien PNC account number XXXX to PNC and to date we have received no response. 

The first Demand for XXXX was sent to PNC via certified mail, return receipt requested on XXXX XXXX, XXXX with a required response date of XXXX XXXX, XXXX. 

The second Demand for XXXX was sent to PNC via certified mail, return receipt requested on XXXX XXXX, XXXX with a required response date of XXXX XXXX, XXXX, again we received no response. 

I am an older person caring for a XXXX wife and PNC 's lack of response has caused us significant economic and emotional distress. I would ask the CFPB to assist us in having this matter addressed and the Lien released per our Attorney 's demand.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit card () with Colony Brands, Inc. (MS).
Issue: Credit determination

Complaint: I have had a credit account with The Swiss Colony for years. I only really use it at XXXX time to send XXXX gifts to friends and family. I get catalogs from them all the time and right in the front of the catalog is a page that tells you what your credit limit is and what the payment will be if you charge that much. My current credit limit is {$1200.00}. I have not used any of it as I paid the card off earlier in the year. I have never charged more then a couple hundred bucks on it ever in any case. I decided to use it again this year to order 4 products to send to my husband 's family. I placed the order on XXXX and sent it off as I have done every year for years. I assumed my order would be processed and sent out as it has always been. I checked on the order around the XXXX and found out that they had decided that my credit limit was reached and that I needed to send it a check for the full amount of the order which was around {$150.00} - and they did n't even tell me until I called in. I have many problems with this. In the first place it says right in their catalog and also on the My Account page on their online store that I have {$1200.00} of credit. There was no notice of any problems or turning down the order until I called in. Magically several days after that I did receive a letter telling me that they would not honor the order and that I needed to pay the amount of the order in order to have it sent out. It was too late for me to reorder anything else and so I just told them to cancel the order. I have written a letter to them including the credit info but also told them I would report them to your agency. 

I do not think it is right when a customer has been a good customer for years and has paid their bills and paid the account off, only to find that you have been cut off with notice before you place an important XXXX order. I do not like their non-loyalty of a customer or their lackadaisical attitude of notifying a customer of what is happening when you assume that things are happening and that gifts you have ordered will be taken care of as they always had been when previously ordering from this same company. I do n't think it is right to tell a person they have {$1200.00} of credit only to change that at the eleventh hour and not make sure that give that person time to reorder or make a decision regarding that order.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We applied for a loan modification in XX/XX/XXXX with Wells Fargo, and had to fax the information over and over to different case workers. They responded : ca n't help you unless you stop payment. So we stopped payment. They simultaneously agreed to work on a modification AND put us in to foreclosure proceedings. More faxing ( with ridiculous deadlines every time ... the stress was indescribable ). More names of new customer service reps over and over. XX/XX/XXXX, they modified the loan BUT NEVER TOLD US. We were forced to short sale XX/XX/XXXX - that 's when we found out about the loan modification ( that they never advised us of ). " You mean we could have afforded our home??? '' Too late. Interestingly, the national mortgage settlement paid those who lost their homes before XXXX/XXXX/XXXX. And these abusive practices became illegal in California starting XXXX/XXXX/XXXX. Our loss landed between those XXXX dates, XX/XX/XXXX. We seek justice and have documentation. Of course, the toll it took on our family ca n't be documented, unless you count the scrap of paper I found under my son 's pillow. It said, " My wish. To go into my old house just one more time. '' He took it pretty hard. He was 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 11/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen foreclosed on my home. Ruining both my credit and my life. Since then I 've only been able to rent hole-in-the-wall places. Recently I received a letter that ocwen had misdated letters. I went through the entire process and received {$2000.00} " settlement ''. However, this does n't even come CLOSE to making up for what Ocwen did. My credit is now ruined by foreclosure. I think they should remove the negative information since THEIR misdated letters caused it. I 've been thousands to move into a new residence that I would not have had to pay had Ocwen not improperly foreclosed. And to top it off, Ocwen has people coming into the house BEFORE THE SALE DATE stealing our things. I lost a tool bench that was my fathers and had extreme sentimental value to me. Ocwen was to look into it but they never did. I think Ocwen owes me a lot more than {$2000.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit card () with BARCLAYS BANK DELAWARE (SC).
Issue: Closing/Cancelling account

Complaint: On XXXX/XXXX/16, I received a letter dated XXXX/XXXX/16 from Barclaycard requesting that I contact them regarding my XXXX XXXX XXXX XXXX MasterCard account # XXXX. They stated that they had placed restrictions on my account. I had called Barclaycard about a week previously requesting a replacement card because I had accidently destroyed my current card thinking that it was a XXXX issued card which I had cancelled so I was surprised to receive their letter. An agent named XXXX who refused to give me his ID number or last name asked me many questions for 20 minutes, placing me on hold repeatedly while he checked with someone. I am almost XXXX XXXX XXXX and have a XXXX so this was tortuous. I found XXXX XXXX, bordering on rude. He demanded that I FAX to him at XXXX my Social Security card, drivers license, utility bill, passport, or birth certificate in order to verify my identity. I found this extremely invasive and did not want to risk identity theft or fraud ... but I did FAX Barclaycard a copy of my utility bill. Today XXXX XXXX, 2016, I received a call from a XXXX, ID # XXXX, who told me that our utility bill was not sufficient, that I must FAX my Social Security card, drivers license, passport, or birth certificate in order to verify my identity. I told her that I was not willing to do that, that I may be old, but I do not consider myself foolish nor would I risk sending such private identity information to a credit card company just to verify my existence. I had had enough. I asked that she transfer me to Barclaycard Customer Service so that I could cancel my credit card because I wanted nothing to do with Barclays Bank of Delaware ever again! She told me that she WOULD NOT transfer me to Barclaycard Customer Service and THAT I COULD NOT CANCEL MY CREDIT CARD ACCOUNT until she received copies of my Social Security card, drivers license, passport, or birth certificate. That is simply absurd. Barclaycard is holding me hostage ... indeed! I strongly protest! There are no charges or bills pending on my account and all past bills have been paid in full and on time. Can you please help me? Thank you very much. 

FAIR RESOLUTION : Allow me to close my XXXX XXXX XXXX XXXX MasterCard account # XXXX credit card account with Barclays Bank XXXX Delaware doing business as Barclaycard without prejudice and make certain that any and all credit reports show that my account was OPEN and IN GOOD STANDING, that all past bills have been paid in full and on time, that I requested the closing of my credit card account, and it was NOT closed at credit grantor 's request.

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 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Fraudulent account. They have stated they ca n't find the reference account in previous complaints yet it 's still being reported to  XXXX  as erroneous information and violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SUNTRUST BANKS, INC. (NC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I had multiple banking products with SunTrust ( Checking Account, HELOC, and a Credit Card ). I sold the house tied to the HELOC and the loan paid off. Upon pay of of my HELOC, I decided to switch banks. I then closed my checking account. As my credit card still had active transactions on it I left it open. As a customer, I was enrolled in paperless billing for all of my products. The only way to access bills and statements is via SunTrust 's online banking site. 

Upon closure of my checking account, my online access was removed and my entire online account was deleted. As such, I am unable to access my credit card statements. I have a bill due in 3 days and SunTrust is refusing to provide me with either a statement and also has failed to correct my online access.

After two phone calls and over an hour on the phone with SunTrust for each call, the representatives were unable to offer any help or restore my online access. I was told that the only way to obtain a statement before my payment was due was to drive to a branch and pick one up. Unfortunately, I have a job and can not just leave work at the whim of SunTrust to pickup a statement. 

I always pay my bills in full each month, however, I am unable to pay a bill that SunTrust can not provide.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: In XXXX 2017 I contacted XXXX XXXX about their reporting on an auto loan that was included in my bankruptcy. They told me that they had reported it to XXXX and Transunion as Chapter XXXX  bankruptcy. XXXX 's response to the creditor was because of a lawsuit that the discharge paper work that was sent to them ( creditor ) from the court was not sufficient enough and that I would have to personally provide them with the the schedule of the items I included in the bankruptcy to them ( XXXX ). When did this new practice come into play that the discharge paperwork that was sent to to creditor from the courts was n't sufficient enough? When did the policy change when a credit submits information to the bureaus to update account information they choose not to? I have contacted XXXX personally and they told me I would have to either provide a copy of all my paperwork I filed to the courts almost 3 years ago for their review. I ', m not going to submit my personal information to them especially with the situation that just happend at XXXX. Transunion has reponded that the creditor has verified they are reporting correctly which is untrue. XXXX and TransUnion are giving me a hard time as well as the creditor. I stated to both bureaus if they are not able to report correctly they need to remove from my report which they have not done. They are in violation of my consumer right and I need the CFPB to step in and 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 10/13/2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: A client of ours who is facing a sheriff sale had his loan transferred during modification review. After multiple instances of mishandling of documents the new servicer Rushmore Loan Management has sent a written notice to client saying a modification was denied without a numerical values to back up this decision. The letter also states that the loan owner can no longer be reviewed for a modification again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX XXXX, 2016 I submitted a dispute to verify the accuracy of the public records listed on my credit report. Per the FCRA 609 a ( 2 ), FCRA 611 - 15 U.S.C 1681i and FCRA 603. Experian failed to comply with the FCRA requirements listed above. They only sent letter saying they verified the public record and never sent proof of the verification and the procedure of the verification process and never provided the name, address and phone number of the furnisher of the verification.

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 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: Public record information inaccurate

Complaint: On the summary page of my credit report with Transunion they have 12 accounts listed as NEGATIVE. But  when you look at each account it does not say negative account. There is not supposed to be any reporting of any accounts as negative. This complaint refutes the 12 negative accounts LISTED ON THE SUMMARY PAGE OF MY TRANSUNION CREDIT REPORT. You ARE NOT REPORTING ACCORDING TO THE FCRA or bankruptcy law because there would not be 12 ACCOUNTS LISTED ON THE SUMMARY PAGE OF MY REPORT AS NEGATIVE.

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 04/26/2017 about Mortgage (Other type of mortgage) with Fay Servicing, LLC (UT).
Issue: Struggling to pay mortgage

Complaint: I have been trying to work w ith Fay Servicing for over a month. They have approved a modification ; however even after reviewing our financials they have set the payments higher than the loan amount. When I called to see if there was anything they could do I was told no the amount was based off the information I provided. I have called 2x a week for a moth to be told the account manager was not available and advised to leave a message. This company has no interest in helping anyone. I 've reviewed the term of the modification and they have set the loan for 20 years. Had they actually wanted to help us the term would have been set at 30-40 ye ars to make the payments affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Payday loan () with SECURITY FINANCE CORP (TX).
Issue: Charged fees or interest I didn't expect

Complaint: Twi workers from Continental Credit showed up at my house and made threats to my father.

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 04-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am writing to dispute the follow information in my file. 
XXXX XXXX - XXXX XXXX XXXX XXXX ON BOTH TransUnion & XXXX. for {$15000.00}. I 've contact this agency to advise to STOP CALLING ME this case was dismissed in court XXXX XXXX, 2014. Please see the attached document from XXXX County State Court. 
Thanking you in advanced regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In  XXXX   XXXX , I was   XXXX   and in search of new car. I went to   XXXX   XXXX     XXXX  in  XXXX , SC and spoke with a gentleman with the last name of  XXXX . We came to an agreement on the car that I wanted and we were negotiating the price, I filled out an application but told him that I would not give it to him to run until we get the car prize down. He wrote down an offer and took it to his superiors to finalize. His superiors ran my credit and reneged on the offer that they intitally gave and that  XXXX  offered. I left the delearship with no car and about  XXXX  hard inquiries on my credit. He intitally told me that when we come to an agreement and he runs my credit, it would only result in  XXXX  inquiries. I bought the agreed upon car for the agreed upon price in  XXXX   XXXX  at another delearship. I filed complaints about what happened, but no one has been able to help me. I have no recourse to get these hard inquiries off of my credit and  XXXX   XXXX  is probably still doing shady practices to unsuspecting consumers.

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 09/15/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A representative from XXXX XXXX XXXX contacted XXXX relatives regarding an account in my name. 1. They contacted my daugther by phone, shared information with her about the account, and attempted to set up payment arrangements. 2. They also contacted my son-in-law about the same debt. During the phone call to my daughter 's husband, the representative shared information about the debt such as the asserted balance owed.

Company response to consumer: Closed with explanation