milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Avant Credit Corporation (KY).
Issue: Problem with the payoff process at the end of the loan

Complaint: I had a loan with this company in XXXX of XXXX ( Loan # XXXX XXXX. I paid it off, in full, on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, they continued to take an additional payment out of my account. I immediately contacted them and requested a refund. I was told it would arrive within 10 business days. That did not occur. I then contacted them  starting XXXX/XXXX/XXXX to again request my refund. I have called every day since then and have been given the run-around. They have acknowledged, multiple times, that I 'm entitled to the refund. I 'm told different dates to expect the refund, always pushed back further each time I call. I 'm consistently told it is being handled by the resolution department, and they claim they have no way to contact that department.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX. I XXXX XXXX, a ( XXXX ) page letter from Bank of XXXX XXXX XXXX, XXXX, NY XXXX. Informed my savings account. XXXX XXXX XXXX. Case number landlord tenant XXXX XXXX. The XXXX page stated that {$4200.00} is being restrain by law to debit and restrict to account ending XXXX. But {$8500.00} is being attached and held in total plus {$100.00} processing fee. - BUT no safe deposit Box Number to locate where the money is being held. the XXXX page is restraining notice from a third party debt collector signed by an attorney BUT no a judge XXXX PAGE is an exemption notice not signed the XXXX and XXXX pages are Exemption forms Not sign. BUT The NOTICE of JUDGMENT signs by a Judge was NOT included. Which is required by federal and state LAW before. On XXXX XXXX, I spoke to XXXX XXXX at Bank of America XXXX XXXX, XXXX NY she told called Bank of America legal order Process and sole to XXXX XXXX and replied that the do n't have an judgement order for the {$8500.00}. Further that they do n't require Creditors to prove that they is a judgement. I involved my constitution right to face the evidence and to validate the debt of {$8500.00}. Plus {$100.00} processing fee. Furthermore I also since the was proof notice of the judgement. Bank of America legal department illegally Froze my account improperly with the correct and just due process. Last I did n't get any notice from XXXX XXXX from XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX tell XXXX. I pray that an injunction be place on the freeze against my account and the proper and through investigation intimated on Bank of America failure to comply with the proper due process. To reintegrate the creator did n't provide PROOF a copy of the judgment amount claim of {$4200.00} ( + {$4200.00} ) second no proof of letter showing prior notice of garnishment. Which must be a produce along with notice of garnishment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Company is reporting on all     XXXX   credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signiture for each article of mail

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Delinquent account

Complaint: An account in my name was opened with Capital One. The account became delinquent, and I was taken to court. Even though I did not open the account or give permission for this account to be opened I was held accountable. My wages were garnished, I 'm ok with this because it ended up being a family member that opened the account. My wages were garnished, and the account was satisfied, and the case was taken off of the docket. Several months later, the funds were given back to me. I did not ask for the funds they just showed up. I called Capital One to inquire about the funds and I as simply told that the case was closed and the case was taken off the docket. 
Several months later, I received a letter stating that the funds were once again going to be taken from me, and I was being garnished again for the same funds that were returned to me! Only this time the amount was more than twice the original amount that had already been paid ( and returned ). When I called XXXX and XXXX, the attorneys handling the case, the only information they would give me is the returning date for the case when they pick up the wages that had been garnished. This is unfair and deceptive! The funds were returned to me and now I am being made to pay for funds that had been paid? 
Please contact me for more information and specifics to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, I sent a cashiers check certified mail for XXXX. On, XX/XX/XXXX I  received the receipt from the Post Office of the check be received and signed for. On XX/XX/XXXX I received a statement saying I was past due on my payment. I immediately called and spoke with XXXX XXXX XXXX ext XXXX. I sent over a fax of the copy of the cashier check, the receipt from post office, and tracking information. Since the XX/XX/XXXX I have had a very hard time getting in contact with them and resolving this matter. I have always sent my mortgage in certified mail and as well paying monthly with a cashier check. Since this whole ordeal has happened I have received nothing but threats of selling my house. This is not my first run in with Chase home finance a few years the same thing where the check was taken by someone from chase and cashed. I had to get the attorney General 's office involved to resolve issue. I just want this fix so I can go on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Problems caused by my funds being low

Complaint: I recently set up a new checking account with Citi as part of a promotion to earn additional frequent flyer miles ( I already had a credit card ). As part of that process, I set up an " external account '' so I could transfer money between my new account and an existing account with my credit union -- this was to be the source of my initial deposit. I mistakenly thought I had to verify the accounts both ways ( I 'm still not sure whether this was true or not ) -- that is, to have each institution verify the other, which they do by making small debits/credits to the account, and then I 'm expected to verify the amounts. As part of this process, I mistakenly overdrafted my Citi account since it did n't currently have any funds in it -- which is why I was trying to set up this external account in the first place! I was charged {$68.00}, which seems excessive for an overdraft that was less than {$1.00}. I complained via Citi 's chat help, and after first telling me that it was a valid charge, they offered to refund it as a " one time courtesy. '' However, they only refunded {$34.00}. When I chatted a second time the next day, they said that they had only offered to refund " XXXX '' of the overdraft fees -- apparently there were XXXX for {$34.00}. On closer look on my account activity, there were XXXX places that said " overdrawn '' -- however XXXX was a credit ( not a debit ), so that did n't make sense! -- and still only XXXX line that said Overdraft Fee - {$68.00}. They eventually refunded the remaining {$34.00}. However, I believe Citi should be censured for these policies which are clearly predatory and trying to extract money out of customers who do n't have the time or energy to fight them on this. They use misleading language and reporting ( including apparently putting XXXX separate fees as XXXX line item ) and at no point in their help process did anyone offer me an explanation as to why these things are reported this way. I also do n't think that overdraft fees should apply in cases like this, which are clearly part of the initial setup of an account. And customers should n't have to spend several minutes arguing to get back money that was essentially stolen from them. I informed Citi that I would be closing my account as soon as I receive the promotional mileage ; I do n't understand why anyone would trust a bank with such shady and unfair business practices with their hard-earned money.

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 02-11-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are XXXX auto loans being negatively reported on my credit report that has both been paid off in full. The creditors XXXX XXXX has sent me a paid in full letter that I have since forwarded to XXXX. Credit report has not been updated. Submitted several documents within the past few months and issues has not be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2017 about Debt collection (I do not know) with Jon Barry and Associates, Inc. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX keeps calling my home phone XXXX even though I have had no business dealings with this company and have no debt associated with them. I would like the repeated phone calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I moved out of my apartment complex ( XXXX ) in XXXX 2014. Upon turning in my keys, I spoke with the community manager and office staff and was told that I no longer have any balance due to them. A few weeks later, upon dropping my daughter with her Dad ( who lived in the same complex at the time ), I saw that our old apartment had already been let to a new tenant. 

Imagine my surprise when I ran my annual credit reports and found XXXX entries from IQ Data International on behalf of RentCollect Global attempting to collect something regarding my deposit bond for XXXX. 

I previously submitted a complaint to this office ( CFPB ) and that matter was closed as correct. However, I now have current information from XXXX stating that they know I do not owe any money and yet, IQ Data/RentCollect Global is still attempting to collect this debt and still has negative marks against my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Student loan (Federal student loan servicing) with Student Loan Care, LLC (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I received a notice in the mail marked SECURE and it said I was recently eligible for Loan forgiveness. There were several options listed for what I could be eligible for and I called the number on the letter and gave the representative my eligibility code. I had to call them several times because the call kept getting disconnected. Finally, after hours on the phone, they said I was eligible for the Revised Pay As You Earn program and my monthly payments would go down drastically for the next 10 years or so. The only sensitive information they took was my FSA ID and my bank account and routing number, but I was warned not to give this info to anyone. I asked the person if I could have done this on my own online, and they said no.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I recently had a bankruptcy discharged and I am trying to re-establish credit. When I tried to purchase a used vehicle I was told by several banks that I was denied credit because Trans Union is showing my credit score as XXXX or XXXX. I called Trans Union and was informed that they do have a credit score for me and the banks are doing something wrong in obtaining the score. I find it hard to believe that every single bank is making the same error. I am also in the process of refinancing my house and was told by the bank that Trans Union is showing my credit score as XXXX. Trans Union is sending me a copy of my credit report but feel they are not doing anything wrong when reporting my score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: First I must apologize for submitting a dispute for the wrong credit reporting agency. My problem is having XXXX or XXXX hard copy reports for the purchase of a car. One company submitted a request thee times for my credit report for the car. Is this wrong?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Problems caused by my funds being low

Complaint: I banked at Bank of America. I am on a fixed income, and unfortunately, due to my finances being stretched thin, and having made the mistake of allowing debtors to debit my account directly, there were numerous instances of my account being negative ( overdrawn ) at the end of the month. But what BofA did, was to monitor my account, then, when debits came in they were not processed immediately, in the order of their occurrence, they were put into a " pending '' status. The largest amounts were then deducted first, taking the account into an overdrawn condition, the result being that they were then able to charge {$35.00} for each small debit, as opposed to the actual in sequence debits, which would have resulted in only XXXX {$35.00} overdrawn charge. The financial impact was numerous months where the charges exceeded {$300.00} ... ..which compounded my financial problems the following month. I wrote to BofA and filed complaints several times ... .to no avail. I know someone was watching my account and doing that out of sequence debiting deliberately to achieve raiding my account for greater numbers of {$35.00} fees than would have happened if debits were done sequentially. I finally left BofA, but they continued to tack on additional fees which today have a total of around {$500.00} ... which I will not pay regardless of the effect on my credit rating. I am XXXX years old and will never buy another thing on credit again. Now that we know the dirty underhanded way the bankers and wall street have cheated, deceived and exploited XXXX for their own gain. It is so sad to me that ehy have not been effectively prosecuted. Such as the CEOs being chaged and found guilty of Felonies for XXXX XXXX, and then were given waivers and the bank was fined $ XXXX, paid by the banks customers. The lying cheating executives got to keep their ill gotten millions. Disgusting!! I am voting for XXXX XXXX in the hope he is elected and my bring about some change in what billionaireds get away with in America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: do not have a record that matches the information I entered. MY personal information ( name, SSN, address ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (SC).
Issue: Received a loan you didn't apply for

Complaint: On XX/XX/XXXX and XX/XX/XXXX I received messages from an attorneys office. The reason for the call was not stated in the message. I had to play the message 4 times to get the phone number to call. When I returned the call I was connected to a very aggressive man, who claims that his firm XXXX and XXXX have been retained by Spot Loans to collect money from me on a payday loan I obtained. I am the victim of identity fraud from 2013 when someone hacked the SC Department of XXXX tax records. XXXX accounts were hacked. XXXX was XXXX of them. They say I received {$850.00}. I have never obtained a loan online. I have fraud alerts on all my credit files plus I have disputed many entries. Neither man would listen to me and said I was a criminal. I have asked both of them to stop calling me and I have hung up the phone on both of them. Their phone number is XXXX. 
Please get them to stop calling me. They are even talking to me about items on my credit report. They have no right to obtain information on my credit reports. They were asking about different accounts that are listed.They are also calling from a local number to deceive me. 
I am recovering from a total XXXX XXXX and these calls are very upsetting. 
XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Bank account or service (Checking account) with U.S. BANCORP (WA).
Issue: Making/receiving payments, sending money

Complaint: My US BANK debit and credit cards were stolen from XXXX XXXX XXXX in XXXX, WA on XXXX/XXXX/15. I reported the theft immediately, but there was already {$1000.00} of fraudulent charges on the debit card. The cards were cancelled, but the account was still driven into the red ( there was only about {$37.00} in the account to begin with. No one at the bank has been able to explain how the thieves withdrew so far over the limit ). I submitted a fraud claim to US BANK to be refunded the stolen money. I did n't hear anything until yesterday when I received a letter stating that my claim had been denied and I was responsible for the stolen money. The letter said that if I had questions I could call and speak to a Fraud Prevention Representative XXXX a day, 7 days a week. This has NOT been the case. I 've been on the phone for 2 days trying to speak to a fraud representative -- they have NEVER been available. I 've been told my several people at US BANK that Fraud Representatives did not take phone calls and they 're unreachable. I was promised by a supervisor that a supervisor with the power to change the ruling would call me back by this afternoon ( XXXX on XXXX/XXXX/15 ) but that did not happen. In fact, when I called back at XXXX to catch someone before they left I was told that no one could help and that I was responsible for the charges. Meanwhile, I 've been called twice ( so far ) by US BANK collections demanding to know when I was going to pay the overdrafted account. I told them that the account was robbed and that I was waiting to hear from the fraud department. That did n't matter, they called back asking for the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-09-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my home in XXXX XXXX and later my mortgage was purchased by chase bank. and i paid all my installments until XXXX and when the economy changed i had no money. so i kept trying to modify my loan. after a long battle. finally it was re-modified in XXXX for XXXX per month and i started making payments everymonth on time until XXXX XXXXand because i am a XXXX so after 6 months starting XXXX i started paying them by monthly straight my pay check as mortgage and i was never told that if i make part payments it will not be considered as mortgage payment instead it will be considered lower principle payment. until XXXX i got call from chase stating i am behind 2 months in my payments, where as according to my books i was ahead 4 months. i had paid mortgage payments until XXXX XXXX. 
since then no one can update this account and i am paying on time since than as well. but they still shows i am behind one month payment and keep charging me {$49.00} late fees for the last 3 years and when i call no one seems to understand me .. 
i told them simple solution. start from XXXX XXXX until XXXX it is 36 months and multiply it by XXXX = {$48000.00}. they should have received this amount if not few dollars more but instead they keep talking they did not receive this month payment or that month payment. 
and in last 3 years i must have spent atleast 10 hours with chase employees and i asked them same simple question. check my total payments but no one seems to take interest in it.. 
NOW I AM TIRED OF IT. and you are the last choice i have. .please help me.. 
i am bankrupt. i filed bankruptcy in XXXX and trying to keep my self very clean and i have all bills paid on time for the last 25 years ... since i am in this country.. 
i am at job and can not answer the phone so please hereby i authrize you to talk to my husband XXXX AT HIS CELL XXXX or his email XXXX Thanks a XXXX. i hope this is resolved asap so i can be relieved with this tension.. 

XXXX

Company response to consumer: Closed with monetary relief