milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: There was debit card purchase on XX/XX/XXXX with XXXX XXXX XXXX and I used my Business Bank America Debit Card ending in XXXX for the purchase the amounts were as follows: Here is the information to provide to your credit card company for this issue : OnXX/XX/XXXX/XXXX, three credit card transactions were processed in the amounts of XXXX, XXXX, and XXXX on credit card ending in -XXXX. On XX/XX/XXXX, our credit card processing company advised these three transactions were rejected by the cardholder as unrecognized transactions and were charged back. The funds were charged back to our Merchant account on XX/XX/XXXX in the amounts of XXXX, XXXX, and XXXX. Bank of America is still saying that they do not have the money and they will not give me a credit for these amounts.  I call everyday 2 to 3 times a day and I still get the same answer. I’m at my last rope with this bank and they are not trying to accommodate the customer at all and the merchant has been paid twice via wire.  I just want my money back in my account and the bank (Bank of America) is lying to me and they do not want to give me money back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, Equifax is allowing an inaccurate reporting on the  XXXX  account in my credit file. The balance on this account is {$3400.00}. This account was charged off. This account also was cancelled/forgiven by sending the IRS and myself a  XXXX  in  XXXX  with an identifiable event code G, the decision or policy to discontinue collection. Equifax allowing  XXXX  to verify this balance on my report is a form of "  Collection  ''. After cancelling/forgiving this debt the balance should be then updated to {$0.00}. This is a failure to timely update the credit report required under FCR A 623 ( a ) ( 2 ).  Included a have a formal copy of my    XXXX   XXXX   from   XXXX  with all supporting info that this debt was cancelled/ forgiven/ extinguished. Also included is a copy of my drivers license and social security card for identity verification. This was last disputed with Equifax on  XXXX / XXXX / XXXX  via case number  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2016 about Debt collection (I do not know) with Niagara Capital Recovery LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: They call me and threaten me with service of process and that I need to be present to receive service of process. there is no case in XXXX XXXX filed against me and this is deceptive and fraudulent. They do n't tell me what the debt is for and they never tell me the name of their company or read me the mini miranda.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Associates ( " PRA ''  ) is violating the Fair Credit Reporting Act ( " FCRA '' ), the Fair Debt Collection Practices Act ( " FDCPA '' ), and the  XXXX   XXXX ,   XXXX   Consumer Financial Protection Bureau  Portfolio Recovery Associates Consent Order ( " Consent Order ''  ) by continuing to infer that Consumer owes this alleged debt, yet can not ( and HAS NOT ) provided any proof that satisfies FCR A 623.  The alleged original creditor,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . has deleted its trade line  ( s ) from    Consumer 's cred it reports, as it has no evidence this alleged debt exists ( in the way of a signed application or contract for debt ) . Consumer co ntends that  PRA 's con tinued reporting of this account to the major credit reporting agencies ( " CRAs '' ) constitutes a false, misleading statement and is a PROHIBITED abusive practice as banned in th  e Consent Order.
*Consumer DOES NOT consent to telephonic contact.
*This complaint to be directed to PRA ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Student loan (Non-federal student loan) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am the cosigner of my daughter 's loan. I realized in XXXX she was not making all payments on time, and at that time I contacted The National Collegiate Trust, and told them as the cosigner, I needed to know when payments were not made or were late. I asked for notification to be sent to me. To date I have NEVER heard from them. How can I make something right when I do n't know there was an problem? 

In XXXX, my now ex-husband and I filed a chapter XXXX and I do realize student loans are not covered, and they were not to contact me either while in bankruptcy. I just assumed my daughter wpildhave continued to receive bills, but she said she never did. 
I received my final decree for the bankruptcy in XXXX of XXXX. At that time I contacted my credit union so I could refinance my house. My credit scores were in the XXXX 's and XXXX XXXX. The mortgage manager contacted the senior underwriter and was certain I 'd be able to get a loan. In two weeks time my credit took a dump because of the student loan. Again I have heard nothing from them! 

My daughter was issued court papers and chose to ignore them even after I told her what to write, but I was not given any information about court papers. 
She was issued a judgement today, and the original {$13000.00} is now {$29000.00}. I was not named in the suit and have not received any information about past due payments. I found this out when I went on line to check my credit again and found missing and late payments for National Collegiate. I really do n't understand how I can make something right when I do n't know there is anything wrong. My daughter may, but not always, say something but it is always after the fact. 
It is WRONG that the cosigner is not made aware of what is going on!

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Is it legal for the Credit Bureaus to reflect late pays and charge-offs on debts that were NOT late and were in good standing at the time I filed my Colorado bankruptcy in XX/XX/XXXX ( due to loss of income and unemployment )? My bankruptcy discharged at the XX/XX/XXXX. My debts were all in good current standing at the time I filed bankruptcy. All my debts ARE reflected as " discharged in bankruptcy '' with {$0.00} balances now in my credit reports. However, some of the bureaus are NOW also reflecting XX/XX/XXXX ( possibly earlier ) some " late payments '' and " charge-offs '' on those same debts during the 3 months that the BK was " pending '' prior to discharge from XX/XX/XXXX - XX/XX/XXXX XXXX. Everything I have researched on the internet states that these previous creditors are reporting " false '' late pays since they are reflected as " late '' AFTER my BK was filed. Based on the BK laws, I was to discontinue any payments toward any creditor ( which I was unable to do anyway ) after I filed BK so how can they NOW claim " late pays '' and " charge-offs '' on those debts? I had NO late payments NOR charge-offs on my credit record at the time of my BK was filed. All my payments were current and in good standing at that time of my filing for BK. Why are the credit bureaus reflecting this erroneous designation now on my reports? If this is WRONG, why do I have to spend the time and effort disputing all of this when it is defined in the Fair Credit Reporting laws and the bankruptcy laws? This is like being accused of something I am not guilty of and I have to " prove myself innocent '' and am assumed guilty when I am innocent based on the bankruptcy laws. Do n't the credit bureaus have some way in their software to cross-check this information and notify the credit card companies they are illegally reporting something incorrectly? They can not accuse me of late payments and charge-offed debt AFTER my BK filing date when I was actually current on all my payments at the time I FILED my BK, can they?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Vehicle loan or lease (Loan) with Equity Auto Finance, Inc. (NY).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: In XX/XX/XXXX, I surrendered my vehicle to Equity Auto and I still have not heard or received anything in the mail from. In XX/XX/XXXX i reached out via email and was told that they still have not sold the car and that when they do, i should receive something in the mail. As of now I still have nothing in writing or email to say what is going on with my account. My account rep. XXXX was the person who I first emailed about this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My credit was repaired, I have a fraud alert and now myscore will not appear. It states I have no credit when in 2013reported a XXXX credit score. unable to get a clear answerfrom the credit bureau. SS said I can get a new SS #. 
I have also gotten married XXXX/XXXX/2013 new last name XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX/XXXX/2015 CFPB helped resolve an issue with a credit reporting issue from XXXX XXXX. You provided me with a letter response from XXXX XXXX with accurate information which I sent a mailed dispute and copy of letter to each credit bureauXXXX TransunionXXXX. XXXX corrected the information, however Transunion is refusing to correct the information. They have a copy of the letter, but are still refusing and are stating they need a newer copy of the letter, even though it is dated XXXX/XXXX/15. 
This has severely impacted my ability to refinance my home.as rates are now rising. 
I would like to have this investigated as to why they are refusing to correct an error that has been sufficiently documented it is an error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2015 about Student loan (Non-federal student loan) with Performant Financial Corporation (ME).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I received XXXX scholarship to go to school, however I lost it mid way into my XXXX year. They demanded I pay back all XXXX I owed them ( them being the XXXX ) which of course I did not have the means to at the time. It was sent to collections at which point it was tacked up to XXXX. The new agency refused my offer to make payments that I could afford and instead sent it to a new new collections agency after a few months. The new agency put a new fee on it, bringing it up to XXXX. Once again I contacted them and was told to enter into a repayment plan I would need to pay XXXX a month. If I ca n't make this new plan, it will likely be passed to a new collections agency and a new fee will be assesed. I only make {$14.00} an hour and my wages are being garnished, not to mention I 'm still paying off the federal loans I took out to finish college. I consulted with a bankruptcy attorney, but was told that it would likely not work due to the fact that the funds were used for educational purposes. I feel as though I will never get out from under this, or have credit for that matter. A college education was not worth this crushing debt. XXXX collections agencys seem to be completely unwilling to work with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This company Hunter & Warfield INC. out of Florida contacted me in XXXX via phone and mail. When I received the letter in reference to a debt from another company XXXX XXXX I advised them by certified letter to not contact me and I only deal with the original creditor and I owed their company nothing. Also in that letter I asked for proof of the debt and did they have the right to conduct business in the stat of Georgia. They then sent me an additional letter outside of the 30 days that just had a bunch of numbers on it with just my name on it. They were then sent another certified letter stating that the information that they sent to me was not proof of a debt that I actually owed their company, because I never lived in Florida at any time in my life. After sending them the second letter I never heard from them only to receive a letter saying that I owed their company again, so I again sent them another certified letter demanding them to stop all collection efforts because I signed or have never had any deling with their company and to stop all collection efforts. Upon sending Hunter & Warfield Inc. the last letter I received an alert on my credit monitoring that they had listed this debt on my credit reports XXXX, XXXX, and XXXX XXXX. This illegal act has taken my score down almost 50 points they never validated this debt that I owed them or sent me any viable proof proving that I have business with their company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (MA).
Issue: Struggling to pay mortgage

Complaint: In  XXXX  loan modification ( #  XXXX  ) approved by   XXXX    XXXX   XXXX  and or Specialized Loan Services,  LLC, ( SLS ) , which required {$1300.00} monthly payment, on   XX/XX/XXXX   called (  XXXX   XXXX  ) spoke  to  XX/XX/XXXX   who confirmed payment amount and about leaving payee line blank on checks, First payment made before  XX/XX/XXXX   and sent with copy modification payment page with hand written acknowledgement of the "  XXXX  '' statements, every payment made before due date  ,  SLS continued to cash said payment for  XXXX   XXXX  years,    XXXX   XXXX  , SLS  stopped cashing payment and entered property into foreclosure status,  XX/XX/XXXX   when questioned SLS '  XXXX   (   XXXX   XXXX  ), stated payments were n't cashed because the cause wrong amount was paid and, stated in fact, monthly payment should have been {$2000.00}, because SLS conducted appraisal after modification agreement was signed and determined account needed additional {$650.00}, he acknowledged amount is not listed in modification agreement, also no address was provided to mail new/added appraisal amount,  as  a result  XXXX  stated account was {$37000.00} in arrearage and would have to be made to bring account current and out of foreclosure. I should be able to rely on the amoun t SLS  agreed upon in our loan modification agreement and they should not have people confirming payment information if they are not professionals in mortgage business. This is a deceptive and dishonest practice and should not be allowed to happen.

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 12-05-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a XXXX credit card and have had it about 4 months. My credit limit was set at {$500.00} and my minimum payment was $ XXXXmonth. I just made a payment of {$300.00} on XX/XX/XXXXwhich dropped due balance to {$200.00} but I wo n't have access or use my card until  XX/XX/XXXX because I made a larger than minimum payment. My payment cleared my bank account XX/XX/XXXX effective XX/XX/XXXX when I made the on-line payment. The payment posted on XX/XX/XXXX but I ca n't have access to it until XX/XX/XXXX. I have argued with two people on the customer service line ( which is another nightmare just trying to talk to a real person ) and asked why they would punish a customer for making a larger than minimum payment and not letting them have access to their money to spend in their store. All I got were apologies and saying it was a policy with risk management. I asked how can I be a risk making a larger than normal payment and they were taking it directly from my checking account? I want access to the money I paid on my card as soon as it clears my 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 explanation
Consumer complaint received 07/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Payments I 've made on Navient online payment site, from  XX/XX/XXXX  to  XX/XX/XXXX , are not accurately recorded. Navient Customer Services have been contacted to verify the payments. Unfortunately, the representatives could not clarify why there were discrepancies stated on my online account during the following dates :  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  A total of {$1100.00} not been recorded properly. A letter and supporting documents will be sent to Navient Office of the Customer Advocate :   XXXX   XXXX   XXXX    XXXX , PA  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Student loan (Private student loan) with DISCOVER BANK (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I made a payment of {$380.00} to Discover Student Loans on XXXX XXXX, XXXX through my online banking. Without notifying me, Discover changed my account number, and due to the change, my payment was not credited to my account. I spoke with a manager on the phone, which is when I learned about the change to my account number. He then asked me to obtain a letter of remittance from my bank, which he said would help them track down the payment. He assured me the payment would be credited to my account as of the date that it was received. My bank mailed that letter to me on XXXX XXXX, and I uploaded it to Discover on XXXX XXXX. I have since emailed them 3 times through their online messaging system to ask why they have not found my payment and credited it to my account. Now they are telling me I need to call them if I want to discuss my options. I uploaded the letter from my bank again today. They have had my payment for over a month, have refused to locate and crefit it to my account, even though the entire situation was their fault, and they continue to make harassing calls telling me that i am behind in payments - which i am not! I expect them to find my payment, credit it to my account as of XXXX XXXX, and remove any interest that accrued on that missing payment in the last month! I also expect the harassing calls to stop, and for them to remove any negative information they sent to credit reporting agencies!

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit card () with PAYPAL HOLDINGS INC. (TX).
Issue: Advertising and marketing

Complaint: I recently received a phone call from PayPal Credit regarding an outstanding balance of {$140.00} for " PayPal Credit '' purchase I made in XXXX 2015. I have NEVER used PayPal credit before - only PayPal as connected to my debit card or bank account. Typically, this was for payment to individuals. This specific {$45.00} payment was to a friend who has a baked goods company and she baked and delivered an order for me. I paid via PayPal, as I have done several times prior. Then I received this phone call and a statement in the mail in XXXX 2015 with a {$140.00} balance, because I chose to pay with PayPal credit and had NO idea I had done so. I did NOT know there was a credit option via PayPal. This is VERY misleading and deceiving and I am not going to pay {$100.00} worth of late fees for something I thought I paid for in XXXX 2015. I had no way of knowing this purchase was going to be via a credit account - I would n't have done that.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Pressler & Pressler is trying to garnish my wages for a XXXX account that I do not owe. They have failed to send me any proof that I owe this debt. It not on my credit report as an original creditor, a collection account or judgment. I looked up their company and see they are collecting debt illegally. I really need your help in stoping this because I do not feel they have the right or the proper information to try and garnish my wages. First they said it was for an XXXX account then then came back and said it was for a XXXX account. I Do n't think they know what they are doing and I ca n't afford to have my wages garnished for something that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation