milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I Had a checking account that was closed by the XXXX XXXX attached to the checking account was a credit line. When they closed the account they never said that the credit line had to be paid in full. Payments were made in accordance with the monthly payment. When i was told that the account had to be paid in full the amount was paid immediately. I have been trying to open a checking account and i have been told that i have a mark against me on XXXX. I called the aforementioned company and was told there was nothing they can do. I called the bank ( XXXX ) and they told me there is nothing they can do, that they have put a satisfied into XXXX I was never late and was never told the account had to be closed. This was there mistake and they refuse to remove it from XXXX. I am having a hard time getting an account open.

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 09/29/2015 about Debt collection (I do not know) with Van Ru Credit Corporation (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: They keep calling my land line phone number to collect a debt for the person who, apparently, used to have my current phone number. I 've had this phone number for approx. 5 years now, and they continue calling for someone else, asking if I know this person, if I have any information about their whereabouts, etc. I have no idea who this person is or where he is, etc, I 've asked them to stop calling my number, and they keep calling it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SPS Loan # XXXX XXXX XXXX XXXX, XXXX CA XXXXSPS has never offered the homeowner any alternatives to foreclosure, and is refusing to entertain the possibility of a short sale. There is an upcoming foreclosure date and we have submitted a short sale package with an offer. We are requesting the auction to be postponed and allow time for short sale review. 

1 ) Valuation fraud XXXX all properties with SPS are mysteriously {$75.00} - $ XXXX higher valued than market value when a file is submitted. NO ONE hired by SPS has been in this property recently to review the homes value. 

2 ) SPS violated that Home Owners Bill of Rights in California and likely violated the agreement that the Keep Your Homes California loan placed on the property. The home owner applied for and obtained federal money from the Keep Your Homes California program that was paid to bring this loan current. The initial default on the loan was due to her husband passing away. Once the money was received to bring the loan current, a further hardship was realized when she was laid off from her job. At no time has SPS attempted to reach out to her and attempt any type of workout. 

3 ) As we have come accustomed to .... We expect that the CFPB will get the form letter canned response from SPS that we have seen over and over again. If the CFPB tracks SPS ' response they will notice that they are all exactly the same .... it is interesting that at no time did SPS comply with California 's Home Owners Bill of rights. I also find it very interesting that on ALL of our files with SPS we have had to file CFPB complaints to get them to work on them. We have been told by employees in your company that you are extremely understaffed ... which raises the question ... is SPS simply a foreclosure mill in violation of state and federal law ( as well as defrauding their investors -- which they are doing ). Only giving cash for keys instead of doing a work out is a great way to not have to hire employees to do work outs ... I will hand it to SPS, they believe that they have found a way to circumvent both State and Federal Mandates -- - I would request that the CFPB pull all servicing and correspondence records on this file ... We will be happy to submit address and loan numbers for all of our current and past SPS files to help build a case against SPS. I am sure that if the investors ... who by the way end up paying cash for keys offers to the home owners, would be appalled to know that SPS continually violates State and Federal Statues that may one day result in increased losses to them. I also find it odd that SPS is the ONLY lender that we are current having this issue with non-compliance with State and Federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (I do not know) with GC Services Limited Partnership (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a debt collector calling my number over and over for someone I do n't know. There is never a person and always a recording giving me the debtors name and address. How is this a legal tactic? The company is GC services and their number is XXXX. Can something be done to punish this company, or are they acting within the law?

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: 1 ) XXXX XXXX Tax billed and BofA paid XXXX the amount of taxes paid per month during the life of this 9 year loan. 
2 ) BofA billed me for the additional amount. When I learned of the error, I contacted XXXX XXXX Tax who refunded ~ {$600.00} of the XXXX billed and paid by BofA . 
3 ) I notified BofA they would receive the refund, which was paid back to their billing are, XXXX who cashed the refund check XXXX XXXX and finally appeared in my mortgage statement during the XXXX week of XXXX. 
4 ) BofA began moving portions/all of my monthly payments to my escrow account. I do n't know when this began because BofA Online blocked my access to my mortgage information. 
5 ) So even though BofA has recouped my property tax payment, and even though I have never been late in making my mortgage payments, including for the current month of XXXX, BofA continues to write billing letters, generate automated billing phone calls, and have had XXXX or more call me demanding payment. 
6 ) I have belatedly learned that although not done during the past nine years, it is the practice of XXXX XXXX Tax to verify my 50 % reduction in property taxes every four years based on current income. I have asked them to notify me rather than Bank of America to preclude a similar event XXXX years hence. I have enjoyed an excellent credit rating for many years, and again, have neither missed nor been late in making a mortgage payment, so being treated as a deadbeat is something I find incredible and not at all pleasing. Any third party will quickly see the diabolical mess BofA has made of my payment history and how I have without fail made my payments on the fourth Wednesday of each month and received by Bank of America the following day via electronic transfer. The various contacts made by Bank of America began the latter part of XXXX and have continued through XXXX and into XXXX, 2015, with no relief in sight. 
Note : Contacts by Bank of America have come form numerous sources and geographical locations, including XXXX, TX, XXXX XXXX, CA, XXXX XXXX, CA, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Debt collection (Medical debt) with The Nguyen Law Firm, PLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a XXXX XXXX and a XXXX on my XXXX done by XXXX XXXX XXXX on Friday, XX/XX/XXXX and Friday, XX/XX/XXXX, I paid {$1200.00} out of pocket. I just got a letter from a law firm stating I owe an additional XXXX. I call the XXXX XXXX XXXX and they stated the insurance didn't cover what was done. I then called my insurance company and they stated XXXX XXXX XXXX used the wrong dental codes and overcharged by {$500.00}. After I got the dental work done by XXXX XXXX XXXX, I thought it was a bit much so I went to another dentist in the area to get work done on another XXXX. They quoted me on a XXXX on the opposite side with two options : a XXXX and XXXX XXXX XXXX XXXX. The XXXX quote was {$1200.00} and the XXXX XXXX XXXX was {$280.00}. Unlike the XXXX and XXXX I got done at XXXX XXXX XXXX, I opted to get the XXXX XXXX XXXX. XXXX XXXX care has a history with The Nguyen Law Firm , PLC in bullying people and ruining their credit with overcharging clients.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The Phoenix Recovery Group (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Landlord ( XXXX XXXX XXXX . ) did not provide notice to tenant ( XXXX XXXX XXXX ) upon the XXXX day from move out day to the forwarding address she provided upon move-out on XXXX XXXX, 2014. Landlord then sent amount directly to a collection agency who only provided a bill as a method of validation. We have asked the collection agency to provide the certified letter attached with the return receipt with tenant 's signature that she received notice that landlord was seeking an amount in damages. Tenant who is XXXX years old and who lived in the apartment for 8 years, disputes the entire amount sought by landlord due to their failure to provide notice and the fact the items seeking reimbursement ( vinyl, resurfaced counter-tops, and a blind ) are all items with normal wear & tear.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/2018 I called to inquire about Internet service through XXXX XXXX and was asked to provide my physical address. I asked them if they were going to do a credit check and they responded with no. I told the agent I was not authorizing any credit checks at this time. I received a notice that my credit had been pulled and contacted XXXX XXXX and asked for them to remove it. I received no help from them and proceeded to call Trans Union for assistance. I filed a claim and was told that there was nothing they could do to help me that I would have to resolve it with XXXX XXXX. I never authorized my credit to be pulled. They ran a credit report by my physical address. Please help me and removing the credit inquiry from XXXX XXXX from my credit report. The inquiry was made today XX/XX/2018. Sincerely 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 02/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: applied for the california XXXX program which court said i was intitled to 80 % reduction of fine sent payment to alliance one as instructed by their representative also sent in court papers as requested. now almost 3 months later after they have cashed the 80 % payment check they have not honored XXXX still attaching wages and i still do n't have a drivers liscence

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NC).
Issue: Making/receiving payments, sending money

Complaint: I have a Paypal account some money on it, about XXXX. I tried to spend the money on a XXXX boost, and the Paypal system would n't complete the transaction without a credit card. Why would I have a Paypal account if I could get a credit card? These people have my money, and have refused to complete a simple transaction to a reputable company. I believe this is an attempt to manipulate my account to mine for new data.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is not my debt. I have no knowledge of this debt at all. I am not sure why they are trying to collect money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Debt collection (Medical) with Medical Data Systems, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This account that i do not recognize was opened as a result of identity theft and needs to be removed immediately., continued reporting/collection of an account that was opened of because fraud

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit reporting () with Ray Klein, Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I paid off the Ray Klein on my credit report. I have contacted them many times asking for physical proof of satisfaction as well it to be reported as paid on my credit report. It has been months and they are saying they will do whatever i ask but refuse to give a timeline. it has been almost two months with no action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 07/23/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received paperwork stating that a lawsuit is going to be filed against me for a debt that I do owe on. The cover letter from the company states I need to contact them to resolve the situation more amicably. I did send an email with the draft of a settlement letter, and I will follow up by sending the letter via certified mail. I want to pay the debt ; this is one of the last ones I need to resolve. This letter is dated a few weeks after I received the first debt validation letter. 

I believe the company is using this as an intimidation tactic to collect money for the creditors it 's representing. I am willing to work with the company to resolve the debt, but I do feel that in this instance they 're in violation of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Late fee

Complaint: LATE FEE was assessed even though Chase made it impossible to make the payment online by purposedly blockign access to my account. Although there may be times when making a payment online is not possible, such as their own internal outage or server issues, this account was blocked apparently on purpose so that the fee would be assessed immediately. The actual payment had to be - and was - made the next day, after access to the Chase website was secured. The company stated that other means to make the payment were available, e.g., phone, I, however, had no access to the phone on the evening the payment was due. Chase has refused to credit the late fee despite being responsible for the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (Home equity loan or line of credit) with Servis One, Inc. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: BSI financial services starting servicing my mortgage XX/XX/XXXX. My interest rate is PRIME - 1 %. They raised my interest rate on my loan ( outside of my initial HELOC disclosures requirements ) by 0.625 % on my HELOC. I just found out they did this after asking why my account / payment was raised to this interest rate & payment. I have never been late 30 days or more nor have I missed a payment date. When I called a while back & inquired, they could not answer why this was the case. Today, they stated it was because I did not escrow. No where in the multiple servicing history ( XXXX servicers ) where the servicers allowed to raise & /or adjustment my interest rate without disclosure. I would am filing a formal compliant to document this predatory lender philosophy. Also, I tried to set up my new account adjustments in XXXX, XXXX via their website. Thank you, XXXX 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 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: All my information was in correct and i'm a victim of Identity theft.

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 12-09-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Problems when you are unable to pay

Complaint: Santander Bank has a collections account listed on my credit report for the past 3.5 years. I have been trying to get this off of my report for a along time. I have sent a police report and a FTC Affidavit to them on several occasions and they have never responded to any of them. I called an emailed and called and emailed and absolutely nothing. This account is fraudulent and needs to be removed from my credit report and this is n't fair to me to continue to have to go through this. I have been fighting this for over 3 years and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Bank of America has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Every time I try to figure out payment with ancient they tell me I need a forbearance and now I have a ton more interest.

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

Complaint: Bank of America sent me a demand for information regarding a business an account that has been with the bank for 30 years. They are looking for organizing documents, articles of incorporation, etc. I said those were not easily available or may not exist anymore. I said i have filed annual report with the state of new jersey and federal tax returns. XXXX XXXX XXXX said those are not good enough and if i do not comply Bank of America that " We can freeze your account ''

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 01/22/2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with XXXX in accordance with basel XXXX accord and XXXX. I also asked them to present these documents from the folowing vendors/creditors : XXXX-account : XXXX, XXXX XXXX account : XXXX, XXXX-ACCOUNT:XXXX, and XXXX XXXX XXXX-accoutXXXX and they have failed to do so.

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 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: The account was opened   XXXX   XXXX   XXXX   for {$500.00}. I had problem with the account and finally had an agreement with  Khol 's to  pay off the account in  XXXX   XXXX . The payment was paid in full and satisfactory to my creditor as per our mutual agreement. The credit reporting agencies keep on reporting it as  Paid,  was a charge-off despite that the account was paid in full not charge off.   Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. In  XXXX  report, it is stated as F P ( Fail to Pay ) a s of  XXXX   XXXX  which was the last report in my credit report despite my recent creditor report to  XXXX .   On  XXXX   XXXX  -  XXXX ,  XXXX  was credit scores was reduced by  credit score  by  XXXX  points from  XXXX  to  XXXX  without any changes in my credit transaction. The reason   XXXX    took such action was because I express dissatisfaction with how   XXXX   was handing my credit investigation wit h Khol 's. T he  XXXX  are punishing consumer who exercise there right to ask for fair credit report treatment

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Payment was due XX/XX/XXXX. Payment processed / cleared XXXX XXXX  on XX/XX/XXXX. 

Next billing cycle dated XX/XX/XXXX includes late fee and interest. 

Called bank / lowes. Was given a time consuming run around.

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