milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Results Unlimited, Inc. (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I am being sued for Non-Payment, but all payments have been sent on time as agreed, the payment in XXXX was returned said no such address in XXXX error, I immediately mailed payment back, they acknowledge the received on XX/XX/2017, this was only XXXX business days late, then I received letter impending legal action as well for Non-Payment, the received payment pry to sending letter, I feel this legal action is unnecessary and unwarranted, I am continuing to make payments on time as agreed. I was not properly served, I found the Warrant some distance outside my residence, and mailed from Debt Collector at letter date. When I tried to talk to the Debt Collector after receive letter of impending legal action, she would not or could not stop legal action, and was unwilling to compromise or resolve this issue due to XXXX error, and just wanted to add additional fees, the Debt Collector was unprofessional, insulting, and among other statements said I lack common sense. If they are granted a judgment I will have insufficient funds for housing expenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2015 about Debt collection (I do not know) with Revenue Assistance Corporation dba Revenue Group (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Attached a letter to explain what has happened concerning a company called The Revenue Group out of XXXX Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: Since XXXX 2015, I have been suffering financial hardship resulting from a severe medical condition. Because I have a past due balance on a closed credit card account with USAA Federal Saving Bank ( FSB ), USAA FSB has restricted access to all my accounts ( i.e., banking, credit card, and insurance ) online. I have not been able to get any of my statements electronically since XXXX 2015. Neither can I make any payments. Despite this, USAA FSB continues to send me email notifications that my account statements are available online and does not mail me any statements. When I called USAA FSB to request my deposit account statements, I was told I would have to pay a fee of {$10.00} for each statement. The representative agreed to mail the XXXX 2015 bank statements for my XXXX deposit accounts and waived the fee, but told me I would have to call back Monday for the XXXX statements. 

How am I supposed to monitor my bank account activity or know how much I owe or even determine how much I might be able to pay USAA FSB if I do not receive my statements? I am attaching a copy of emails, along with screenshots of my attempts to log in to get the account statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize an inquiry to be done of my credit report. 
XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX 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 03/29/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: This had previously been added in my response to Case number : XXXX. 
I have just discovered, on XXXX/XXXX/XXXX, that the original case is now closed with no additional response. 
What follows is the text that was in that response which I submitted on XXXX/XXXX/XXXX at XXXX that has not been addressed. 
Note that since my complaint references my XXXX, I have now filed a companion XXXX complaint since I was not sure where the most appropriate place for filing was. 
As far as my secondary complaint, you are correct that there are other branches around. 
To be exact, there are XXXX in a XXXX mile radius of my zip code, each of those locations PREVIOUSLY had a Drive Up Window, where you could see a representative and ask a question if it was necessary to complete a transaction. 
However, at the same time you closed our branch, you eliminated ALL drive up windows at every one of those branches, there is now not a single drive up that is manned within, according to google, a 23 minute ride from my home, making a round trip at least 46 minutes, and probably much longer since there are no other drive up windows around. 
As someone who is XXXX, it 's very difficult for me to get in and out of your branches. 
If I have a question that needs to be asked, I now have no choice but to plan a 46 minute drive or park my car and then struggle to get into, and out of, your branch, this is made even more difficult by the fact that due to the serious XXXX XXXX that I suffer from, I must take XXXX to do anything, once taking those pills I can only travel locally, so making a 46 minute or longer, depending on the wait time, round trip would be next to impossible. 
I 'm sure others with XXXX would echo my sentiments on the closing of ALL of the Drive Up Windows in this area, the face behind those windows was, for many, the only human contact with the bank. 
This area was hit hard by hurricane sandy and company 's like BOA, are not doing their part to help, instead what you are doing is causing more pain and inconvenience for those local residents, and businesses, already impacted by disaster. 
This seems strangely reminiscent of the redlining that took place XX/XX/XXXX and XX/XX/XXXX, when certain zip codes were deemed ineligible for lending purposes, only now we are deemed ineligible for a drive up window, yet in well-heeled areas like XXXX and XXXX, you have XXXX branches with Drive Up windows within XXXX miles of each other. 
As a company, you should be ashamed of yourselves.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX breach has cause my XXXX and transunion to be inaccurate information sent police report and idtheft gov trying to get my life back in order one day at a time spent countless hours working on my credit cra violation of inaccurate information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: Carrington bought my mortgage from XXXX  in the middle of XXXX taking my trial payments to modify my loan. Carrington claimed they didnt receive any paperwork they needed and had a nasty bill collector call and harass that the house was being taken and when would we be out of the house. My daughter called the bank and made a balloon payment to bring it up to date and we are late again. Same man started calling and even called me at XXXX. I am having my daughter cal Carrington directly but I no longer want their debt collectors calling me, only carrington directly. They also had someone come out to do residency verification, the previous people employed by XXXX   were more professional, the gentleman in question stepped onto my property without permission, engaged in a verbal dispute with my son-in-law stating that the bank owns the property and he did not have to talk to us.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (MS).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XXXX XXXX, 2015 @ XXXX XXXX I was contacted by someone caed my job stating that she needed to what time I would be home to serve me some papers I needed to sign for I informed her that I work daily and do not have set hours that i come home in the evening. I then asked what kind of papers she responded just to notify me of debit she gave me contact info of the company with a reference number. I called the company @ XXXX Reference # XXXX & the said the were working for an investor & they wanted full payment I explained i can make a payment of {$20.00} a month she put me on hold said investor would on take {$170.00} a month i explained i could not afford that amount & she got really rude and stated how close can you come i responded {$20.00} she said i need to be more realist with payment. I hung up on her when she got loud. I recieved several number withheld numbers & then a message was left stating she would be out to my home on XXXX XXXX, 2015 & she needs to see my ID to leave papers & she has a second address she will also go to if i am not home and left the number where the papers where sent from. I then called the company who does not give the name of the company & I spoke with XXXX XXXX ext. XXXX I explained to him that I recieved a voicemail from some woman stating she was going to bring papers to my home & second address if I am not home I told him they could not come to my job he stated that she would not and they would just be sent in the mail if she could not reach me. As i was hanging up the phone he stated good luck in court & hung up. I called the number back and asked for his name, company name, & address so I could file a complaint for the comment he made about have a good luck in court when I was told the day before that the papers were just to notify me of the debt & it had not reached that stage yet & I also wanted to report him for his attitude. I also told XXXX XXXX that I was going to report the threat to take legal action to the FTC. He then became reallly rude and gave me the address of XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX and the Director is XXXX XXXX ( ext. XXXX ) & he stated again good luck in court case we do plan to take action & do you want the attorneys name I hung up on him because he was upseting me with his rude attitude.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have over XXXX in student loans the payments are so high. I am unemployed and XXXX and have a XXXX child there is no way I can make the payments. Navient denies me deferments forbearance and payment arrangements they are now threatening to put me in default and garnish my checking account and taxes

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Payday loan debt) with Big Picture Loans, LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received multiple phone calls from company regarding documentation sent to their office with a case number & that they were to deliver documents to my home for legal action about a debt that is owed. ( They called and left voicemails on XXXX XXXX, XXXX XXXX, & XXXX XXXX XXXX. They also called my mother 's cell phone multiple times harassing her & trying to reach out to me. After I returned the call, I left a voicemail and someone named XXXX XXXX of XXXX XXXX XXXX returned my call. He stated that a loan was taken out in my name with Castle Payday Loans on XXXX XXXX, XXXX for {$1000.00}. He asked me to authorize my social security number and that they will pursue legal action if I refuse. He said I will be served papers at my place of residence between 3-5 pm today ( XXXX XXXX ). I have NEVER taken out a loan with Castle Payday, nor have I ever heard of or pursued a loan from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Balance transfer

Complaint: This is my second instance for the purchase interest being charged in the same card ( Chase Sapphire Preferred ). I have previously submitted a complaint regarding this and that was resolved and i was promised that there wont be any interest on the 0 % balance transfer till i do n't make any additional charges on my card. 

My XXXX statement did n't have any interest charges but i check my XXXX statement and they put a {$14.00} interest purchase. I have made no purchases on my credit card during my biling cycle. I tired of calling Chase again and again over the same issue. So I am directly reaching out to you. I want that charge to be removed and also waive {$95.00} annual fee for causing this mental harassment for ( Its only fair since they charge customer hidden fees-Tthankfully i check my statement regularly ) .I am sure there are other customers who dont even notice the corrupt practices my banks. 

Also charged interest on another card ( XXXX XXXX ) when they will charged me the annual fee even though it was a i pay it back the next day. Its not my mistake that the annual fee was charged. That charge in unavoidable to they should n't be charging an interest on that. This happened because they put an annual fee and not because i made a purchase. This practice is to mint money and interest out of customers even though regularly pay their minimum due on 0 % apr offers

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problems caused by my funds being low

Complaint: I XXXX XXXX IS VERY, VERY DISPLEASE WITH BANK OF AMERICA WHO IS ILLEGALLY WITHHOLDING UP MY ACCOUNT AT XXXX ENDING # XXXX DUE TO THE FACT XXXX XXXX STATED THAT HIS MONEY I TOOK BUT IS DUE TO MY SELF WHICH HE MADE FRAUDLENT TRANSACTION FROM MY ACCOUNT TO HIS ACCOUNT, I WANT THIS BANK TO RELEASED MY {$400.00} RELEASED BACK TO MY ACCOUNT, BANK OF AMERICA WENT INTO MY ACCOUINT FRAUDLENT AND IS WITHHOLDING, HOLDING UP MY ACCOUNT, BANK OF AMERICA XXXX XXXX XXXX, NJ XXXX 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 05/21/2016 about Debt collection (Medical) with Capio Partners, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2016 I paid a debt for {$110.00} and {$150.00} to XXXX XXXX XXXX XXXX with my credit card. Per our agreement, the debt was to be removed from my credit reports and they were supposed to send me a receipt of payment. To this date, they have not sent me any notice in the mail to state the account is paid. To make matters worse, now the same identical debt that has been paid is now being collected upon through Capio collection agency. So now I have XXXX debt collectors trying to collect on the SAME debt that was already paid in full! I am going to attach the letter from XXXX XXXX XXXX XXXX that they sent to the XXXX on XXXX XXXX, 2016 stating the debit is satisfied and should be removed. I dont understand why they are refusing to remove it and have sold it to Capio for further collection efforts when it has been paid in full. My next step will be to secure an attorney to seek damages for failure to adhere to the FCRA. I already advised Capio that the debt had been paid and offered to give them all the information to contact XXXX XXXX XXXX XXXX but was told they do not do that. I have provided a copy of my credit card statement showing payment but they will not accept that. I am attaching proof from XXXX that states it is paid as well as the better business reply that it is paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2016 I received a phone message from XXXX XXXX stating she wanted to go over some things regarding the previous complaint. I returned the call, spoke with XXXX, after verify all our loan information, she asked how she can help, I told her I was returning a call from XXXX. ( once again the representatives do not know why we are getting calls ) XXXX told me XXXX is a investigator and does not take calls. ( Then why call us asking to call back if she does n't take calls ). XXXX then put me on hold to discuss with XXXX why she called us. XXXX got back on line to say that they are missing YTD information on the pay stubs that we had already submitted. Every one of the pay stubs have YTD information. My husband, XXXX who is the loan holder talked with XXXX and explained where the YTD information was on the pay stub. XXXX understood, took note for the underwriters. XXXX admitted there was " a issue going on '', I talked to XXXX mentioning it did n't make sense we received a multiple letter stating SPS had the received the documents, it also showed on the website under our account that they had received all documents needed and the modification was be reviewed. XXXX told us she would talk to XXXX to figure out what was wrong and call us back. Today, XXXX XXXX, 2016, I checked the website and our account, it now states they need YTD information. We received letters on XXXX XXXX, 2016, XXXX XXXX, 2016 and 2 letters on XXXX XXXX, 2016 stating they have received the documents needed. I have attached scanned copies of each letter. To this date, no one has called us back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian is not responding to any of my numerous requests to investigate, verify and remove one account from my credit report that does not belong to me.

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 10-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have federal student loans serviced by two separate companies -- Navient and XXXX. I have been paying my student loans on an IBR plan since around XX/XX/XXXX. I submitted documentation to update my Income-Based Repayment Plan in Summer of XX/XX/XXXX. XXXX processed the documentation, and adjusted my monthly payment accordingly. Navient, on the other hand, claimed that I did not qualify for IBR. When I pointed out the fact that the other student loan company ( XXXX ) reached a different conclusion, Navient would not reconsider their position or provide any explanation of how they reached the conclusion that I did not qualify. I asked for them to provide a written explanation of how they reached this result, or the calculation that they conducted to reach this result. None such explanation was provided. I asked if there was a process to challenge the conclusion or request reconsideration, and I was told no. At one point, the Navient representative stated that XXXX reached a different result than Navient because XXXX services a different type of federal loans. I had to point out that IBR applies to all federal student loans, I have no private loans, and there was no difference in the rules. This is not the first time I have had problems with getting Navient to correctly calculate my IBR monthly payment.

Company response to consumer: Closed with explanation