milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: Debt Collector : IQ Data International ( Phone : XXXX ) Debt Owed to : XXXX XXXX  XXXX XXXX XXXX  in XXXX TX IQ Data spoke with me on XX/XX/XXXX and XX/XX/XXXX about a debt I owed in the amount of {$3900.00} with my previous apartments. I explained that I had a loan dispersing soon but did not have the funds yet. XXXX XXXX stated that I should give payment information for the amount now, that IQ Data would attempt to collect the debt from my bank even without available funds, and an NSF would just " buy me time ''. As we expected, the payment came back NSF. I reviewed my debt and wanted to contest the reletting fee and make payments on the rest ; I explained this to rep XXXX XXXX when I called today XX/XX/XXXX. I offered a payment in the amount of {$1000.00} which was not accepted. XXXX XXXX transferred me to her manager, XXXX, I believe, who stated that I would be charged for the bounced check and my debt would now be tripled. The manager stated she would not take a payment from me and that further collection actions would be put on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Northern Alliance Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed {$75.00} for my iPhone and I was never contacted about my card never bring charge 2 years later. I get a call from a collections agency that my debt is now {$700.00} dollars. This is n't fair!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Keep calling me repeatedly when I 'm at at and around XXXX. They said there is a problem with my account and they are represented some fitness company and there membership. I do n't have any memberships to any where.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Credit card () with WELLS FARGO & COMPANY (DC).
Issue: Other

Complaint: This is more information about an earlier complaint. Wells Fargo put a hold on a {$2000.00} payment without telling me it planned to do that. To release the hold, Wells Fargo aid I should send in a copy of the check with contact information for someone at XXXX XXXX in order to lift the hold. I did so and XXXX day later was told that was not enough. Then I went back to XXXX XXXX, which printed out a statement, faxed the statement to Wells Fargo, and provided contact information for a XXXX XXXX banker. Tonight, a Friday, Wells Fargo said there was another mistake -- Wells Fargo said they had accidentally provided me with the wrong fax number for the statement and now could not release the hold because the office associated with the correct number would be closed until Monday. The problem is that I need the money to cover medical expenses and now I do not have access to that money.

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 U.S. BANCORP (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On  XX/XX/XXXX   XXXX   XXXX   XXXX   gave U S Bank Mortgage the responsibility of servicing my loan. The   XXXX   XXXX   courts was n't notified. My rights under the wage earner law has been violated. I had   XXXX   XXXX   XXXX   under   XXXX   XXXX   from  XXXX - XXXX . I was discharged in  XXXX . I paid   XXXX   XXXX   XXXX   outside Of The courts. My case number is  XXXX . I paid   XXXX   XXXX   XXXX    through their bankruptcy department. I was current with   XXXX   XXXX   XXXX   in   XXXX   when my loan was transferred to US Bank Mortgage. I do n't know why   XXXX   XXXX   XXXX   did not report to   XXXX   XXXX   court they were  transferring my loan. All of my other creditors was paid by my former employer   XXXX   XXXX    & my payments were payroll deducted. My employer ein # is  XXXX . {$140.00} was being deducted every week from my payroll check every week. In   XXXX   when I received the settlement from the medical malpractice law sue I filed in  XXXX . I paid the courts {$18000.00} on  XX/XX/XXXX  to pay all of my creditors off. The loan I had with the   XXXX   XXXX   was refinanced on  XX/XX/XXXX  while I was in   XXXX   and under   XXXX   XXXX  . I paid off the money store and   XXXX   XXXX   was paid off. The new loan refinanced was with   XXXX   XXXX  . Their loan number is  XXXX . Payments was being made to   XXXX   XXXX   XXXX  .  XXXX  XXXX  interest statements was reported to IRS using my social security number. These fraudulent acts was being done while I was suppose to be protected.

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 09-10-2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are calling in reference to a loan I cosigned for my granddaughter. I have informed them that my granddaughter will not answer my phone calls or text messages about this debt and I am on now XXXX years old, receiving social security, and have XXXX and can not handle the stress of the continuous calls. They called me XXXX times on Saturday even though I have asked them repeatedly to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: td bank charge me {$35.00} return fee, when it pending payments. while i had money to cover pending payments, which i deposited.on XXXX XXXX 2016 i had payment pending from few payments .i had enough to cover payments they still charge me {$35.00}. they refund me $ XXXX.td bank abusing customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have a rental property that is now vacant. I can not afford it. The tenants left with 4 months of rent due. After the tenants jumped XXXX, my husband and I were helping my daughter and her XXXX children. I am now retired. Green Tree Servicing service this mortgage. I contacted a realtor and begin applying for short sales starting 18 months ago. I had to fax information and so did the realtor. We got a short sale approval then we were told we did not get a short sale approval. We needed to start over again. I had done everything they told me to do, the few times I have talked to someone I was told to leave a message with my account representative. I have left messages sent emails and left more messages. I got a supervisor 's name left messages and included her on emails. Collections continued calling, we would tell collections we are doing a short sale they would not know because one department area does not know what the other area has on file.. Personnel changes did not help the situation. In these XXXX months I have had XXXX different persons working with my account, if not more. We went to court ( XXXX/XXXX/XXXX ) and Ditech Foreclosure XXXX was present, I told her we have had offers on the property and have not heard from Ditech. She said she did not know anything about that in her area. My realtor told me they sent the offer to Ditech. I physically handed her ( the specialist ) a copy of the offer there at the courthouse. She said she would image it. I called ( approx. XX/XX/XXXX ) Ditech they said they did not see the offer. I called the Foreclosure Specialist she checked the file and the offer was there and had been there since XXXX/XXXX/XXXX. This has been the same kinds of scenarios we have had to endure all these months. Last week I was told by my realtor that Green Tree, who is now Ditech, actually called and I needed to fax more information to go forth. I faxed the information and I am waiting to hear from Ditech. Yesterday XXXX/XXXX/XXXX I got an email The buyer now wants their deposit back/withdraw their offer for the property because of the length of time this has taken. The house goes to foreclosure XXXX/XXXX/XXXX. I do n't want foreclosure on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Debt collection (Other debt) with ProCollect, Inc (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX {$660.00} PRO Collect left a 38 second message stating this is an attempt to collect a debt by a debt collector providing private information on a cell phone that is contracted under my stepfathers name. Also, they left a 1:03   message for my husband on XX/XX/18 on my cell phone - again, contacted under my stepfathers name with a message regarding an account and debt owed to pro collect. I also have a ( XXXX ) area code which, by law, is recognized as a spousal state.

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 04-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: To whom it may concern, Wanted to let you know Bank of America department of regulatory complaints refused to release my original funds following reversal of a fraudulent employment check in my closed account. BOA kept about XXXX of my nonfraudulent personal funds. Have been following up on this with my local state police as well as the police department local to the XXXX in XXXX XXXX, CT where the funds from the fraudulent employment check were deposited. Emailed CFPB previously about this matter. My account number at BOA was XXXX. Their Regulatory Complaints can be reached at XXXX XXXX. You can reach me at XXXX or email XXXXXXXXXXXX. 
Thanks very much, XXXX XXXX XXXX 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 10/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with KEYCORP (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Key Bank took over my XXXX XXXX account and current complaint # is XXXX. I wish to add a new complaint.
On XX/XX/XXXX, I made a payment to KeyBank Card for XX/XX/XXXXof XXXX today and learned that my card has a balance of XXXX XXXX. I only used my card once in XX/XX/XXXX ( no other card use since about XX/XX/XXXX ). I used this card to pay my property school taxes of XXXX ( plus a small fee ) to process that payment. I spoke to XXXX of KeyBank on XX/XX/XXXX to ask why is my balance XXXX? XXXX  said that on XX/XX/XXXX two purchases were made at XXXX XXXX XXXX XXXX. Two transactions made foXXXX XXXX and XXXX. I was not near XXXX NY I was in XXXX NY this is fraud matter! I want the person prosecuted and to see if there is a surveillance at that store to identify the culprit.
XXXX closed the old account ending in XXXX but the account to remain opened until the investigation is done which takes about 30 business days on their end. KeyBank Fraud Unit is XXXX.
I am irate that KeyBank did not notify me when these two transactions took place XXXX  states that because it was in New York they did n't feel the need to I disagree! I had the card in my possession. Note, I reported a robbery to XXXX County Sheriff 's Department in XXXX NY on XX/XX/XXXX as someone robbed my home in XX/XX/XXXX just in case there is a connection to this matter. They will credit my card back the two amounts  after the investigation.
My address is XXXX XXXX XXXX XXXX New York XXXX Cell is XXXX.
Thank youXXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-09-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My escrow charges are excessive. The yearly tax bill is only XXXX on my house. The bank in error is charging me XXXX for the escrow portion of my payment. I am XXXX and on a fixed income. I have sent qualified written requests to the bank to resolve this matter and nothing has been resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/15/2015 about Credit card () with Army and Air Force Exchange Service (WV).
Issue: Other

Complaint: My complaint is about the Military Star card. I missed an XXXX payment, but made my payment again XXXX XXXX. Before that, I made a payment in XXXX for {$180.00}, and XXXX payments in XXXX for a total of {$400.00}. I am able to get bank statements to show payments made. The company says I owe over {$500.00} and keep reporting me to the credit bureaus as 30 days late. They said my minimum due is {$180.00} and since my last payment was for {$120.00}, I did not meet the requirements. However, I have been making the {$180.00} payments, and even double it in XXXX. They continue reporting me as late. When I tell them that I 've been making payments, they say I have n't. My last statement says I am XXXX payments past due. If they are doing this to me, I am sure they are doing this to many more veterans. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Upon getting my credit report, I noted an address of XXXX XXXX XXXX XXXX IL on there with a possible loan/store credit card and possibly more obtained/attempted and possibly Utilities use connection using MY NAME. This address is/was my ex-husband and his new wife XXXX XXXX XXXX XXXX and XXXX XXXX. They have tried this before in getting cell phones. I would like more information on what/who they used my info for and what I can do about it Please. These were noted on my Transunion credit report and I am unable to get my XXXX XXXX right away because it shows accounts I do not recognize on there.

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 08/30/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX 2017 Paypal Decided to put a permanent limit on my account and hold my balance of XXXX even though I was n't in complete violation of their policies, the false reason was because of a transaction of me selling a cream containing hydroquinone to someone in the XXXX when I called the rep and told them to review my account again and go over my transaction history because the claims are false and I already know that creams containing Hydroquinone is illegal without a prescription in the XXXX and XXXX . They refused to reason with me and still shut down my account and refused to let my access from funds to pay off my debts and creditors. 

After numerous calls, they continue to hold my funds. I decided to do my own investigating into the company and notice that in the state of Florida Paypal Holds a Money Transmitter License Type II which was issued to the company the statue that govern that License does not grant Paypal ( The License Holder ) To hold any funds from their customers longer the 10 days, After reading more into Paypals Holding a Balance Policy I notice that in event of the companies Bankruptcy their not obligated to make the funds available to their ''creditors '', I see this as abuse of power and their laws are very draconian to both consumers and business owners and slows down the economic growth of businesses especially small local business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2017 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (SC).
Issue: Managing the loan or lease

Complaint: I am the victim of identity theft and became aware of that when my wife died in XXXX of XXXX. I filed the police report and I went to court when Banks claimed that maybe I used an alias. The process of this identity theft is ongoing and has not ceased even up till today. American Honda Finance loaned money for car back in XXXX and I found out about this at the end of XXXX. I told them back then that I was not in the country when that car was purchased. I provided proof of that to my attorney and they made that claim to XXXX along with the other things that did n't match my identity period American Honda Finance said that I did n't meet the burden and I 'm saying that they are lying and looking at information that did not come from me and they ca n't prove that I signed or was even in the country when that car was purchased. Please have them say what proof they have besides false documents and information that does n't match mine at all. 
The XXXX is aware that a license was obtained online fraudulently and they refused to give me a new license number because they did n't give it to the fraudulent person in person it was done online. And I have not lived in North Carolina since XXXX of XXXX XXXX years ago. My attorney submitted to American Honda Finance my social security card and my South Carolina license and yet those things are n't in the possession of American Honda Finance and yet they think they have a claim still. I asked very respectfully for them to prove to this entity what they think constitutes me being in two continents at once.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: After paying XXXX mortgage payments to Wells Fargo for XXXX different mortgages in XXXX different states. Wells Fargo then went into a totally different account and drafted another payment for the mortgage in North Carolina which was {$690.00}. The XXXX payment for {$690.00} that I paid Wells Fargo applied to interest only, not to my principle payment. The XXXX payment that was taken was unauthorized by me. It was taken from a third bank account. The same account in which Wells Fargo said they could not draft from because it was a custodial account. Yet, Wells Fargo went into this account that I had deleted from Wells Fargo 's website. Wells Fargo was not authorized to take any funds from the last account. Also, Wells Fargo told me they had contacted my financial institution and was told it was a custodial account and therefore, Wells Fargo could not draft funds for the account. Then Wells Fargo turns around and draft another payment in the same pay period from the account. 
Spoke tp XXXX XXXX on XXXX XXXX, 2017 at XXXX on XXXX who said she would call me back when she found out why funds were taken from the account after payments were already made. I have not heard from 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 04-12-2017 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (ID).
Issue: Problems caused by my funds being low

Complaint: I have asked this company many times to update and correct my info and the banks that they have listed correct their wording on the listing they have on this company. I have never done anything wrong to make them list the wrongful items. But this company isnt doing the corrective matters. They are just making it harder for my life.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I fell behind on my credit card payments. I was five payments behind when I was offered a payment arrangement. I had to pay the past due amount in installments of {$72.00} and the card would be in good standing again. I was never advised that the card had been restricted or would be unable to be used if I made these payments. I made the payments as directed, brought the card back current and under the limit. The moment that the card was " current '' again my account was restricted. I have contacted Capital One on two occasions to have this rectified without assistance. I have been told I just need to keep making payments and they review accounts periodically to remove restrictions. No idea how many payments I will need to make or how long before I can use the card again. I was never advised of this in the letter I received to make the payment arrangement. I feel like I was misled into making payments that I would not be able to use.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XX/XX/XXXX, my account was positive {$20.00} dollars and {$20.00} in my savings. On XX/XX/XXXX, I was charged with 2 separate {$35.00} overdraft fees and 1 {$12.00} overdraft fee. Despite no extra transactions taking place on XX/XX/XXXX, I was wrongfully charged. The company was Bank Of America.

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