milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/18/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: Bank Of America is reporting to XXXX XXXX that the following account was mine. 

Account # XXXX They said the account was closed due to transacting. 

I never had this account nor did I open it. 

I have called them and their Risk / Recovery gives me the run around. I have been tying to get this removed from XXXX XXXX for a yr! 

Please help me resolve this, Thanks 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 01/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Jefferson Capital Systems , LLC knowingly violated the FCRA by placing XXXX collection accounts withXXXX and XXXX credit bureaus. Jefferson Capital Systems, did this without proper notification 30 days prior to reporting the XXXX accounts to the credit reporting bureaus. I never received notice such action was being implemented.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Naivent representatives are repeatedly calling my sister, mother and other family members requesting information about me and asking them to call them back.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: PLEASE REMOVE XXXX XXXX OFF THE ACCT AS AUTH USER : SS # XXXX ACCT # 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 non-monetary relief
Consumer complaint received 05/29/2015 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Deposits and withdrawals

Complaint: Good afternoon, This complaint is against U.S. BANK. ( Fraud and Homeland Terrorism ) I had a transfer from my Financial Advisor deposit in the amount of {$10000.00} to my checking account number : ______________________. However, the credit was never seen on the transaction history. Then when I engaged the bank in person I was given fraudulent documents listing incorrect transaction history, which I am in the possession of, but do not have the ability to upload because of lack of money and have been evicted from my home which has my M.F.P. to scan the documents. They indicate that the account is overdrawn and additionally, called XXXX in XXXX NV, and let them know the account was frozen which was a lie. They have also deactivated my debt card without my approval. 

These act 's defined by F.B.I. are homeland terrorism and has left me homeless and without a way to pay any of my bills.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX . They keep fepressing my crefit report. Firxt thry said I opened an account or they started collections on XX/XX/XXXX. The XXXX account was originally cvlosed with XXXX in XXXX. They are making it seem like it 's a new debt collection, but it 's not. They are making updates on my Crecit report every month now and that 's unfair. I filed a dispute with XXXX in XX/XX/XXXX stating the date is wrong, but nothing was done. They are trying to extend this old collection out making it seem like it 's a new collection when it 's not. How can you help me? I 'm tired of these agencies taking advantage of consumers. I was laid off and could n't pay my bill back at thst particular time. This is unfair. At least state the original date of the XXXX debt instead of tge date they decided to start putting the wrong date on my reports. Thank you

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 04/23/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Deposits and withdrawals

Complaint: I submitted a complaint last XXXX to the CFB regarding PayPal and a dispute that I had with them from XX/XX/2006 PayPal told the CFB that they lifted the restriction on my account however they continue to place an undue burden on me utilizing the service in light of this. Frequently holding funds from transactions several weeks and issuing only generic email responses and not answering my calls when I call to complain. As a consumer this places an undue burden on me when I sell something on Ebay and have to wait an inordinate and uncustomary amount of time to receive my funds when post people receive their funds instantly from items they have sold and mailed. Yes, they even hold my funds after I have mailed and sent the items with a tracking number. This is particularly egregious because customers who purchase from the site have no alternatives to pay for products. Ebay who owns Paypal forces consumers to use their payment processing service PayPal. So I am stuck with no response from the organization and I am continuing to be punished for a matter from 9 years ago that I thought we resolved last XXXX XXXX with Case number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2018 about Debt collection (I do not know) with CITIBANK, N.A. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: This women repeatedly called me from " XXXX '' leaving multiple messages on my work voicemail. I called her back and asked hedr to kindly stop calling my employment and she stated I could do whatever I want to do shes going to call my employer now and hung up on me. Im not even sure this is a legitimate aattempt to collect a debt. phone number she called from is XXXX ext 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 08-08-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX I sent a letter to Bank of America and spoke with XXXX different employees of Bank of America. XXXX XXXX, Manager of the Short Sale Dept, phone XXXX, assured me he will have an incorrect report to my credit report corrected within 5 business days - or by XXXX/XXXX/XXXX and he would send me a letter of correction. He said it would take 30 to 90 days for the credit reporting agencies to make the correction. 
Bank of America reported that I owe {$64000.00} to Bank of America as a result of a short sale. 
Bank of America prepared documents signed by me stating the bank accepted payment in full when the property was sold XXXX/XXXX/XXXX to a new owner. There were no further costs to be paid by me and I did NOT sign a promissory note agreeing to pay any additional amount to 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 non-monetary relief
Consumer complaint received 02-05-2017 about Debt collection (I do not know) with DataMax Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This. company Interstate Credit Co appears on my credit report for {$770.00}. This debt does not belong to me - I have been XXXX XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Vehicle loan or lease (Loan) with BMW Financial Services NA, LLC (CT).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: There is a credit balance in the amount of XXXX on my BMW Financial Services account. This is due to an over-payment in the amount of XXXX which has been used for payments due until today, XX/XX/XXXX. I called today to request either a check or a credit off my next auto-payment due on XX/XX/XXXX in the amount of XXXX. The rep whom I do not have the name of, a woman, put me on hold then got back on the line and told me to adjust my next payment due in order to use credit. I requested a check and was again put on hold for an extended amount of time, she did not get back on the line. I hung up. She appeared to be new and or inept as she did not seem to know what shes doing, had to put me on hold each time I asked a question. I need a check for credit amount of XXXX. The original form of payment, a XXXX XXXX checking account, is no longer open and credits can not be issued to it.

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 07/27/2017 about Vehicle loan or lease (Lease) with U.S. BANCORP (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I leased a vehicle through a dealership in Illinois on XXXX XXXX, 2017, paying applicable sales taxes, registration and title fees for Florida where my primary residence is. I received temporary license plates from the dealership since expired as the leasing institution needed to provide license plates per the law in Florida as they are the legal title holder. The lease was done through U.S. Bank and they had all of the paperwork as of XX/XX/XXXX. As of XX/XX/XXXX, U.S. Bank has not provided me with license plates for my vehicle. I spent 2 hours in the DMV on XX/XX/XXXX trying to figure this out and another 3 hours yesterday, XX/XX/XXXX, there to finally find out that U.S. Bank is at fault in not providing me plates and I wasted a total of 5 hours. After speaking to U.S. Bank last night for an hour, they have not provided a sensible remedy, only more inconvenience for me, they want me to fulfill their duties. Their solution was to provide me a POA from their title department and they could only fax it to me. The real kicker is that this would take an extra 7 business days to get to me where they would overnight at that point. That would leave me driving an unregistered vehicle for another 10 days in Florida. In addition, rather than U.S. Bank fulfilling their requirements to get me license plates as per their contractual and state obligations, they are requesting that I personally go back, and do their work, to the DMV to get the plates when the POA is received so I can waste another 3 hours of my time. I am currently driving an unregistered vehicle in Florida per the DMV here as U.S. Bank has not fulfilled their legal obligations in Florida regarding title nor their fiduciary obligation to me as the leaseholder and customer. In fact they have been grossly negligent with me and have not fulfilled their contractual obligation with me per terms of our lease.

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 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my credit and happened to see a major error on my credit report. I 've sent in 3 certified letters to all   XXXX   credit bureaus. Incorrect inaccurate, errored information that these credit bureaus are reporting. I 've asked the companies to show me verification of any documents or verify my signature and they have failed to do so several times and they continue to verify an account that has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: Between  XXXX   XXXX ,  2017  and  XXXX   XXXX  a collection was added to my account with no written notice that this account would be added.     Per law  15 U.S. Code 1681i - FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 busine ss days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Chase bank in  XXXX , TX  XXXX  allowed a person who is not  me (   XXXX   XXXX   )  to open a business account using my social security number, but someone else 's name. This account was used for a business and has since been charged off since   XXXX  . I just recently became aware of this account, when I was denied a new checking account with Chase bank because my social appears under this business that has an overdue balance. I was told at the  Chase bra nch in  XXXX , Tx  XXXX , that they could not give me any information about this account because the client is still considered and active member with the bank. I do not even know the name o f the Business or how much the account charged off for. I filed a policy report with   XXXX  XXXX   XXXX , and filed a complaint with Chases fraud department. The deputy in charge of my case says there is not really anything he can do seeing as it has bee n seven years since t he account charged off, and the bank is demanding a court order to release any other information. This account does not show up under any of the  XXXX  major reporting  Bureaus, and I was told that is because it is a Business  Account. I have been told by the social security office that without proof that someone has used my social they can not do anything either.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit card () with U.S. BANCORP (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I 'm a victim of identity theft. US Bank XXXX is reporting a credit card that is not mine. I 've disputed this account and it has not been deleted off my credit. I have a police report and identity theft affidavit that I will include. Please delete this account off my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: until XX/XX/XXXX I was making loan payments to navient every month through automatic withdrawal/payment. what I did NOT realize ( because I thought I was in good standing ) was that they were charging me a late fee of at least {$6.00} every month ... even though it was an automatic payment every month. I asked them to fix the issue and reimbursement the late fees bit they would n't so I told them I would stop paying them. now, I am unable to view my account history in full to prove my case ( account history stops at XX/XX/XXXX ). I believe that the late fees accrued nearly every month from the time I set up auto payment ( but I am unable to see my entire account history on their website ).

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Other debt) with Protas, Spivok & Collins, LLC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a Writ of Garnishment of Wages from my employer regarding a cell phone bill that is more than  7 years old.  I was incarcerated when the debt went into default. I have not been notified of the debt from  XXXX   XXXX  or  XXXX ,  XXXX   XXXX   Protas, Spivok & Collins, located in  XXXX  MD, until this time. The {$710.00} debt  has accrued other interest and fees over the years, totaling over {$1500.00}.

Company response to consumer: Untimely response
Consumer complaint received 07-12-2016 about Debt collection (Credit card) with Remit Corporation (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/16 my account at XXXX XXXX was drained to {$0.00} and below with bank fees. I contacted XXXX XXXX and they explained that there was a court order for the funds in my bank account. Prior to XXXX/XXXX/2016 I had no phone, mail or email contact that there was a collection in progress or that I owed money from any collection agency or XXXX XXXX. The bank told me to contact the lawyer info listed under the deduction on my account. The deduction info read, " LEGAL ORDER DEBIT - CONTACT XXXX XXXX XXXX '' I contacted the number of the legal aid listed. The number late turned out to be a collection agency called Remit Corporation. I immediately called number and my call was not returned until the afternoon of XXXX/XXXX/2016. They refused to give me any info into the alleged debt and refused to communicate by email or regular mail so that I could have a hard copy ; only phone. I asked for the court order that gave them the right to take my funds and they gave ; Docket # XXXX. 
I contacted the XXXX County Court and there was no legal action for this docket number. It is my allegation that Attorney XXXX gave my bank a fraudulent docket number so that Remit Corporation could fraudulently remove funds for a debt that I did not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently pulled my credit report from TransUnion and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with TransUnion and the results of the investigation came back as " verified ''. I did not have an account with XXXX XXXX during this time period. XXXX XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my 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 04/25/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received by mail a letter fro m transworld system wi th amount of  XXXX  $ to be pay to  XXXX    XXXX    XXXX  but what I have on hand from the court judgments minutes of order that I have to pay  XXXX  $ and the landlord have on hand  XXXX  $ security deposit so I have to pay only  XXXX  $ Amount I attached the judgment order and the landlord statement

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Transaction issue

Complaint: I currently have a PayPal credit account and have had it for several years now. As of XXXX 2016 i have been unable to use my credit account anywhere. There are no vendors that accept PayPal credit. The problem is : The account keeps wanting to convert the currency used into XXXX instead of XXXX. I have called in to paypal 7 times, reported this issue, submitted tickets and anything else i can do on my end for months. Basically they have told me since XXXX that i need to wait for their tech team to fix the issue, all the while i have not been able to use or spend the money available on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX chose to switch my XXXX XXXX  credit card to another account without notifying me, failed to send notices of due dates and amount due, and the reported me as 30 days late to credit agencies ( 3 ). I have protested this to Capital One and the reporting agencies without satisfactory changes to the reports. Complicating the situation was was serious illnesses, XXXX, and multiple XXXX, during which I had to rely upon others to pay my bills, which made receiving those bills in a timely manner necessary to pay them in a timely manner. When I was able to follow up about paying the bill, Capital one could not find my account, because they had transferred the balance to a different account with a new number, which they reported as past due. When they tracked down the account I paid the entire balance. They still would NOT change the report to make it accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Received a letter from this company  XXXX   XXXX  claiming I owed money on  a 4 year old h ospital visit {$660.00}. At the time I had  XXXX  and a supplement, at the same time they filed as a collection account with the  XXXX  major credit reporting agencies in order to wreck my credit and force me to pay. In the letter I was given 30 days to notify them if I disputed the validity of the debt, however they notified this as a collection account immediately to the agencies. I have called them twice and can get no answers, these are sleazy scammers. If you note in the letter they cant even spell my name correctly.

Company response to consumer: Closed with explanation