milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-09-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been sued for a debt that I do not owe, and that I have repeatedly told XXXX, plaintiff in the law suit, that I do not owe this debt. They have also reported this debt on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Trouble during payment process

Complaint: Bank of America Home Loans  transferred my mortgage to  XXXX   XXXX   XXXX   XXXX  ( BLS ) effective   XXXX   XXXX  . I started receiving mail from BLS that I was  XXXX  months delinquent. I filed numerous inquiries with BLS (   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX    )  and submitted documents showing proof I was not delinquent and asked  XXXX  to substantiate their claim, which they can not do. They stated to me that they could not provide this information because they did not have it or serviced the loan prior to   XXXX   XXXX   So BLS is collecting on a debt they can not substantiate is warranted.   Not until I filed a CFPB complaint, number  XXXX  that  XXXX  gave me  XXXX  's history information so I  XXXX  review. Reviewing this information, shows where the mistakes occurred but all money is there. Based on the information that was supplied from BLS from my complaint, it does not show that I am delinquent  XXXX  payments.Both BOA and  XXXX  are at fault to the information between the transfer.   Had BLS verified the information before, during and after the transfer from  XXXX ,  XXXX  would have seen the mistakes and realized all monies are accounted for and that  XXXX  has made the posting mistakes.   In order for  XXXX  to open a BOA inquiry, I had to enter a re-payment plan in order to avoid foreclosure. A plan that I should not have had to enter. My BLS point of contact from communicated that my  XXXX  inquiry to investigate posting mistakes was opened   XXXX   XXXX   XXXX   Today,  XXXX  months later, I still have not received a claim number or any resolution about the mistakes.   I have supplied all supporting documents that prove I have made all necessary monthly payments and that my account is current.  XXXX  continues to post my payments to the incorrect months.     Sincerely,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Account opening, closing, or management

Complaint: Navy Federal Credit Union withdrew from my account savings/checking to resolve an outstanding credit payment. I had full intention of paying such balance, but was no informed of any deduction that would take place or a call to submit a promissory note for payment. Navy Federal states that it is part of their credit contract to do such deductions. I was not aware of any section in the contract that was clearly visible that any such deduction could occur. 
I have also noticed a trend of certain deductions from my account being made while the payment is still pending and then a second deduction when the payment is cleared. I am fully aware of the fraudulent activity that has been happening with Navy Federal recently and I have grown concerned over they 're honesty and ability to maintain accounts properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my requests to investigate and remove accounts from my credit report that do 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 12/13/2016 about Mortgage (FHA mortgage) with NATIONS LENDING CORPORATION (OH).
Issue: Credit decision / Underwriting

Complaint: Sales Manager keeps asking for same info repeatedly and some info that can not be obtained. Have been supposed to close on the loan for past 5 weeks and still nothing. They have everything I can give and what they have asked for has been sent 2 or 3 times already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Credit card) with National Account Services, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: COLLECTOR FAILED TO VALIDATE DEBT IN VIOLATION OF FCRA, AND IS STILL TRYING TO COLLECT SAID DEBT AFTER THE S.O.L. PERIOD EXPIRED IN ILLINOIS OR 5 YEARS. LASTLY, SKIP TRACING ME BROTHER AT (XXXX) XXXX AND (XXXX IN VIOLATION OF TCPA, AND KEPT CALLING MY CELL (XXXX) XXXX.UNLAWFULLY REPORTING ON CREDIT FILES IS A MAJOR PROBLEM AND MUST BE PUNISHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: My Macy 's cards were stolen. I was successful in getting the fraudulent purchases removed from my credit reports. The company opened XXXX new cards for me. 
Recently, in retaliation they closed XXXX of my new cards. A customer rep maintained that I requested this action. I did not initiate anything resembling this. 
My payment records are perfect, and the retail staff was not authorized to close this new card. They were expected to send me a new replacement card, which they never did. 
This is an act of discrimination.

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 11-04-2015 about Bank account or service (Other bank product/service) with Comerica (TX).
Issue: Deposits and withdrawals

Complaint: Comerica has to be one of the WORST banks out here. I just checked my balance today and BOTH my accounts are overdrawn ... ( that has never happened to me since I have had an account ( s ) with them ) I have had complaints sent to XXXX and CFPB in the past about them. Yet ... they STILL get their way. 

I am charged an excess fee of some sort in my savings account. I do n't know how I have excessively done anything ... when I learned that the branch where I opened up my account has been transferring funds to and from the accounts? They claim it is to avoid an overdraft. 

They allowed XXXX dollars to be approved XXXX XXXX ... they have never in history of my account approved this transaction unless the funds were fully available. I am tired of them getting over me and accusing me of not having funds in enough time or whatever excuses/reasons they come up with. They need to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Payday loan, title loan, or personal loan (Payday loan) with Mobiloans, LLC (NJ).
Issue: Can't stop withdrawals from your bank account

Complaint: I have an illegal in NJ payday loan that I applied for online before I knew it was illegal because of the interest rate. My interest rate is over 200 %. I 've made high payments and have barely touched my loan.

Company response to consumer: Untimely response
Consumer complaint received 12/14/2017 about Debt collection (Other debt) with First Data Corporation (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a letter from TRS Recovery Services XXXX Inc. saying that I owe {$420.00} for a bank overdraft fee at XXXX XXXX XXXX XXXX. I was sending TRS Recovery Services payment of {$30.00} once a month from XX/XX/XXXX-XX/XX/XXXX I send them a total of {$150.00}. I called XXXX XXXX XXXX XXXX and I talked with XXXX XXXX ( collection specialist XXXX ext. XXXX ) I was told that they have n't received any payment from TRS Recovery Services and that they no longer worked with this company. XXXX XXXX told me to send her a copies of my checks made to XXXX XXXX XXXX. I try calling this company several times and I was n't able to talk to a real person. I then send in a inquiry form to TRS Recovery Services about my account. They send me a letter saying my account was closed on XX/XX/XXXX and they are going to refund me {$55.00}. TRS Recovery Services owes me {$94.00}. I called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX on XX/XX/XXXX to get an update and I was told I needed to get in contact with XXXX XXXX at TRS Recovery Services she is the one handle your account. I called XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX I did n't get anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2015 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Using a debit or ATM card

Complaint: My CITIBANK Checking Account is consistently showing systematic daily posting of debit card transactions in a descending order after they are pending for 3-5 business days. Transactions are re-ordered with the largest coming out first, then gradually the smaller ones last. This practice has been making it extremely difficult to balance my account and avoid overdraft fees. This happened before with XXXX XXXX XXXX. I asked XXXX supervisors in the customer service department, and they refused to answer my question as to why this pattern has taken place every day for at least the most recent 6 months of my transaction history. I suspect this practice has taken place since the inception of my checking account with CITIBANK. The bank also withholds my deposit funds for far too long.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Diversified Consultants Inc., never reached out to me to notify me of any debts that I have with them or to notify me of credit reporting. I had no knowledge of their company until I recently checked my credit report, in which I immediately disputed. I asked for verification that they have the correct person, they could not provide me with documentation signed by me stating I owe, or would pay them any monies for the debt in which they are collecting on behalf of. They have n't sent me anything but a paper with an amount and my name and address. Upon receipt of that letter with my name, address, and amount, I sent the company a debt validation letter asking that they send me any and all proof that they used to verify the debt which would include contracts signed between their company and I, or any type of agreement signed by me from their company or that they remove the debt from my credit and stop incorrectly reporting any debts, they have done neither.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (I do not know) with Vital Solutions, Inc. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've received  two calls, one o n Thursday   XXXX   XXXX   at   XXXX   XXXX   and  one t oday    XXXX   XXXX    at   XXXX   XXXX  . Both times they left a voicemail saying, " We have an important message from   XXXX   XXXX   XXXX   this is a call from a debt collector please call  XXXX . '' I have no debts. This is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX 2015 I discovered errors on my Equifax credit report that listed inquiries dated XXXX/XXXX/2015 that were not mine. I contacted the retailers in question and filed the first of XXXX disputes with Equifax. XXXX of the fraudulent inquiries is labeled as XXXX. After multiple written inquiries to XXXX Bank, as well as multiple telephone conversations and promises by XXXX Account XXXX Department, the fraudulent inquiry still remains on my Equiifax credit file. 
Also reference Equifax dispute confirmations # XXXX dated XXXX/XXXX/2015 and # XXXX dated XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (NC).
Issue: Taking out the loan or lease

Complaint: After receiving several bids for a new furnace, we signed a contract with XXXX in large part because of their promise of a 0 % interest loan for 12 months. When installation was finally completed in XXXX 2015, electronic completion forms were signed in our yard but we have yet to receive electronic or paper copies of the forms. Shortly after, we started getting calls from a bank we had never heard of, Synchrony, saying we were late on our credit card payment. When we finally reached a person, they explained that they were servicing the furnace debt. We had not received anything in the mail from them or had any prior contact. On XXXX XXXX, 2015 we received our first mailing from Synchrony with statements that detailed a {$29.00} activation fee, {$25.00} late fee and {$55.00} in interest ( 9.99 % rate ). We receive 0 % interest offers from credit cards almost daily and never would have agreed to a new credit card with activation fees and 9.99 % interest. Our XXXX representative says there is nothing he can do to rectify the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: EXPERIAN. XXXX AND XXXX IS NOT REPORTING MY CORRECT BALANCES AND STATUS AND PAIDED COLLECTIONS.. XXXX XXXX NOT SHOWING UP TO DATE STATUS AND BALANCE XXXX XXXX CREDIT CARD. NOT CORRECT BALANCE XXXX XXXX CREDIT CARD. NOT SHOWING CORRECT XXXX XXXX  CREDIT CARD, XXXX..NOT SHOWING CORRECT BALANCE XXXX XXXX XXXX XXXX XXXX PAIDED IN FULL XXXX XXXX XXXX ... PAIDED IN FULL XXXX CREDIT CARD.. INCORRECT BALANCE XXXX CREDIT CARD.. INCORRECT BALANCE.. XXXX XXXX CREDIT CARD ... INCORRECT BALANCE I HAVE TRIED IN DISPUTES WITHIN THE LAST 45 DAYS WITH ALL THREE REPORTIING AGENCIES. NO ACTION HAS BEEN TAKEN AS SHOWING CORRECTED INFORMATION

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am one of the people affected by the Equifax Data Breach of 2017 ( I confirmed this with their tool at https : //www.equifaxsecurity2017.comXXXX ). Right now I am freezing all of my credit reports for multiple agencies ( not just the Big 3 ). I am also considering changing my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: hunter Warfield is refusing to abide by the fcra. they are using bully tactics to prevent me from purchasing a home. I requested a variation of debt from them and I never received it. after I finally found what and who they were collecting for I was dumb founded that a year after the origination of debt I would be hit on my credit. now the significance of this being that make it seem to a lender that this is a fresh debt when it 's more than a year old. this a violation of the fcra as well. after speaking to a customer advocate she explained that thy would ensure I could make no purchase of a home or car unless I paid them. I have expressed willing to pay once it was an agreed on amount. the verification of debt must contain invoices. I have seen no such thing. now, it 's only right that hunter Warfield remove this from my credit file since they have no way of back dating the actual occurrence. I have a right to refuse establish my credit after I have hard times. this company is reporting this at this time to keep me from doing so

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: now I understand why the FCRA was made because these companies are full of abuse and only want to make money off of inaccurate information! I disputed twice with all XXXX bureaus and I had a few deletions but then they were reinserted on my file and I was never notified and they have to do it within 5 business days of reinsertion. Are they willing to sign an affidavit swearing under oath they sent me something? I get all of my mail and I received all the mail from them except for that. they did n't send me anything and by law they must remove it. not only that, but they did n't send me the procedure they used to verify these items and seeing my name on a screen does not qualify as verification. I asked for the documentation and they did n't provide it. they have a job to make certain that the information on my report is correct and not only that, they have to make sure that the info they receive from the creditors is correct and they did n't. I do n't know what this bankruyptcy is either and the only response is that it stays on my file 7-10 years. did I ask how long it stays on? No I did n't. I have already complained to the AG for my state and I will make a press release. they are treating me unfairly and are breaking the law! 

Equifax reinsertion : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Debt collection (Payday loan) with Genuine Debt Solutions, LLC. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Genuine Debt Solutions calls me repeatedly about a debt I owe. Their number is XXXX or XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (MI).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have been overdrawn at TCF bank for a day and a half. They have charged me a total of {$380.00} in fees. The majority of which are for transactions that were made and pending before I became overdrawn. I called to complain and they would only credit back {$120.00} of the fees. I had only two transactions that caused me to be overdrawn. The original one that put me over and one automated payment that went through after that. By there own fee schedule that should total {$130.00} in fees ( {$28.00} for each day overdrawn and {$37.00} for each NSF ) Instead they have charged me {$380.00}. I see there is a lawsuit against them for these types of predatory fees. Please help me to get my stolen money back from them. This bank should not be able to get away with this.

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 10-02-2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: I am a customer of Bank of America and over the last year they have changed their policies regarding the minimum that customers can keep in their savings and checking accounts. I was informed of this and I complied with that policy. However, Bank of America continues to apply {$5.00} fees even after compliance and continued complaints. The minimum is {$300.00}, and I have {$500.00}. 
I am able to maintain, but my question is how do people who do n't have that income and are living off every cent they have use a bank?

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 monetary relief
Consumer complaint received 09/20/2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (NJ).
Issue: Managing the loan or lease

Complaint: Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: American Express has handled this situation horribly. <P/>I tried to be civil with them and solve with AMEX directly for a month now. <P/>What happened was I added an authorized user to one of my cards via live chat. They incorrectly coded this as a credit inquiry, which is completely false because I already had the card. I then called and talked to the credit team at AMEX and they told me to fax in the documentation of the hard inquiry on XXXX, so I did. <P/>Now here a month later and its still on my credit report as a hard inquiry, which just infuriates me because I am trying to buy a house and they messed up and ca n't seem to fix it. I am requesting them remove the hard pull from my XXXX report as well as additional compensation in the form of XXXX XXXX to my account XXXX I shouldnt have to ask multiple times and wait months to get this removed. Make it happen, this is an ERROR on your part, which you guys admitted too already but ca n't seem to fix it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Debt collection (Medical debt) with Simon’s Agency, Inc (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The account with simons agency isnt correct. I was in insured at the time and now the hospital says i owe XXXX. I gave birth and was completely insured so this is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   account showed a late payment in  XXXX / XXXX . This information is inaccurate. Payment was not late. Balance was paid. And   XXXX   XXXX   credited all late fees. This item was incorrectly applied to my report and should be deleted immediately.

Company response to consumer: Closed with explanation