milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: On XXXX/XXXX/2015 XXXX willfully withdrew {$100.00} dollars from my husband 's joint account, when I had called two days prior and told them I had no income, I was XXXX and had lost my job, the rep assured me that they were not going to take any money, and they did. This account receives direct deposit from social security retirement, this is all the money we had to survive on for a whole month. My husband does not owe XXXX any monies, nor did he incurred this debt, I did, when we were divorced. I had given them permission to withdraw money while I was working, because they threatened to sue me for not paying them this very old debt, they demanded a specific date for payment, and the only date available to pay was on the XXXX of each month when there was money from his social security available to pay this debt. I would then transfer money from my own account to his when I got paid. They also have refused to correct my name on their account, they have included my husband in my own personal debt, and have altered my husband 's name without legal authority. Please help me solve this situation against XXXX.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have written to Synchrony Bank/Care Credit on a minimum of three occasions requesting proof that this account is mine. I have no recollection of opening an  account with them and certainly did not fail to pay any amounts owed. 

They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. 

This charge off is harming my credit profile and score.

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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed chapter  XXXX , in   XX/XX/XXXX , w as having my payments auto deducted from my payroll due to lawyer mishap my case was dismissed and refiled i n  XX/XX/XXXX  an d once again due to lawyer issues my case was refiled in   XX/XX/XXXX . I have  asked the  3rd party carrier to v erify info and update due to I should not sho w 4 bk 's. I sh ould show accurately  of 2 BK 's the case for  XX/XX/XXXX  and  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Other debt) with Advance America, Cash Advance Centers, Inc. (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I received a phone call this morning and spoke with the lady on the phone and then I spoke with a gentleman named XXXX. I was informed by the lady that I was going to be served by XXXX County Police Department and if I did n't pay it then legal action would be taken and the paperwork was to be served for to appear in court. I was also told that she would see my accounts that were attached to this loan. And I was also told that it would go after anyone who was a reference on my account and also that they would serve me either at my place at home or my place of business. To not give me information on what the paperwork was for until I spoke with XXXX it was just to let me know that they we 're just giving me information about what they were trying to do. She did not inform me at first of the conversation either that this was an attempt to collect a debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX XXXX, XXXX I called Equifax and sat on hold for 1 hour and a rep came on and tried to help, placed me on hold and disconnected me, I did a Dispute XXXX XXXX and it was over 30 days which FCRA states that items will be deleted if not completed in 30 days, this hasnt been the case with Equifax, they are over the time frame and should delete. Also, they had a section to dispute Inquiries but say they they cant dispute Inquires is contradicting.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX I made an international transfer on line at bank of America as i have in the past. The funds were for a reservation at a vacation resort for myself and my family. Despite the fact that if I check on the bank website the transfer is completed, the funds were never received. 
Attempts tocall the bank at the number indicated were unsuccessful.

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 09/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Diversified placed a XXXX bill on my credit reports with XXXX, XXXX and XXXX without first sending me a California XXXX FDCPA mandated dunning letter. California State law provides for written notice 30 days PRIOR to reporting to the previously mentioned credit reporting agencies. 

I have not had an opportunity to even see if the debt is valid. They never even sent me documentation. 

I disputed the item with the credit reporting agencies but they simply " verified ''. 

Diversified violated California State Law.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I paid this account through a collection agency, XXXX XXXX, for {$300.00} as a settlement. My original balance was {$680.00}. Once I paid the account, Capital One updated my account on my credit report to reflect a {$300.00} payment made and still showing a {$380.00} balance. Then once they did this, my credit score dropped 80 points. I then called them again and submitted another dispute to get them to update the account. Once it updated to a XXXX balance, it dropped my credit score 50 points. so over 100 points because of an error they did with the reporting. I did my research and found that they reported the account against the XXXX XXXX guidelines that are enforced by the XXXX XXXX XXXX XXXX. Furthermore, on my credit report, they are listing the date of last payment incorrectly as well as date of last active. It is different on each credit report and this is a violation of the Fair Credit Reporting Act. I am not sure how you are able to do this and then cripple my credit score after I paid you. I attached a screen shot of the way this account is reporting so that you can see for yourself. I am sure that the CFPB can impose some type of fine or get this done for me because my calls and disputes are not working.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I was divorced and the court made me sign a quit claim deed for the house over to my ex-wife. The VA loan on the house was in both our names. MY wife did not pay the house payments for over 2 years. Foreclosure papers we sent but my ex-wife kept them from foreclosing somehow. She moved out of the house. The bank again sent foreclosure papers. I contacted Wells Fargo to see how I could refinance the VA loan on the house to stop the foreclosure. I was informed by XXXX XXXX ( the sole holder of all the mortage information from Wells Fargo ) that a cease and desist order was placed on the account ( XXXX ) and he could not discuss my loan with me until that was removed. I ask what I could do to remove it. He said send me a letter asking for it to be removed. I faxed it over more than once. After sending this request I was unable to reach XXXX even after multiple phone calls ( leaving messages after each one to call me back ). The fax asked him to call me back. No response. I then tried to talk to anyone at Wells Fargo mortgage department as time was getting very low. Nobody could talk to me as XXXX was the only one I could talk to as the account was assigned to him solely. Eventually the house went to foreclosure and was sold for less than what was owed. I am a XXXX veteran ( XXXX ) I deserved to be able to try to refinance this house. Now I owe more than I can repay. Is this legal? What can I do about this? Thnak you. 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 09/13/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I WRITING BECAUSE I NEED FED LOAN TO VALIDATE THIS LOAN

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Convenience checks

Complaint: This complaint is associate with my XXXX XXXX XXXX. " Convenience '' checks carrying a 0 % APR were recently sent along with my monthly statement. The description of " Fees '' associated with these checks only refers to " balance transfers '', which are subject to a XXXX % fee or {$5.00} whichever is greater. I used XXXX of the convenience checks to pay a contractor working on my house, these checks were NOT used to transfer the balance of another credit card. The XXXX checks were written for {$2500.00} and {$240.00} respectively. I was charged fees of {$100.00} and {$9.00} respectively for using the checks. I called the credit card company to protest the fee, explaining that the fee description only mentions balance transfers as being subject to a fee, and that I did NOT transfer a balance from another credit card. I repeatedly stated my case and requested a refund of {$100.00} - the combined total of the XXXX fees. The credit card company has refused to issue me a refund. I find their description of fees for the use of these checks to be totally misleading and deceptive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Under the Fair Credit Reporting Act I am entitled to dispute information that I find to not be accurate - especially information that is lowering my credit score and thus putting a financial burden on me. I am a victim of identity theft. I have previously discussed this identity theft with Expeiran, XXXX and XXXX. I disputed the information that resulted due to the identity theft with all XXXX credit reporting agencies and Experian is the only one of the XXXX that gave me any issues. Experian recently responded to my dispute regarding inquires telling me that they were a fact and that I would have to address each individual inquiry with the company that inquired. Several of the companies did not respond and I later was told by XXXX of the companies that it is Experian 's duty under the FCRA to dispute everything, including inquiries if I provide them with documentation of the identity theft which I have done NUMEROUS times. The inquiries are : Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX These inquiries are lowering my credit score which is causing me financial hardship. I want them investigated and removed. 

My credit report number 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 02-11-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had come to find out that i have a collection on my credit report that has been fully paid. The collection was by XXXX XXXX and should have never existed in the first place. The doctor who submitted the collection did so in error do to a malfunction in his accounting process. I have a signed statement from him attesting to this fact. I have disputed this with XXXX and they promised to remove the collection but did not. I then have disputed this with Equifax several times and and they will not remove the collection. This collection has been reduced to zero but i have never paid the collection agency a dime!! 
Furthermore, every time i open up this dispute, Equifax updates the balance to zero and the collection to the latest month decreasing my credit score even more. Finally, XXXX have already agreed this was erroneous and have totally deleted the collection from my record. At this point i feel harassed by Equifax since they will not investigate properly or provide any transparency as to how they arrive at their decision or who they have called to verify information. I have also called them several times to discuss with to no avail. This agency is by far XXXX of the worst organizations I have had the displeasure to work with. My credit score went from a XXXX to a XXXX, this is ridiculous and should not be tolerated. I will attach the signed letter from the Doctor as evidence. I have also uploaded proof of deletion by XXXX. 

Also i have opened up yet another dispute and included the number in the above dispute number field provided.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX we were advised our Reverse Mortgage was sold to Champion Mortgage of XXXX, TX. We were advised monthly statements would be supplied by Champion Mortgage. On XX/XX/XXXX we sent a letter to Champion Mortgage requesting information on how to make re-payments to Champion Mortgage. As of XX/XX/XXXX we have NOT received any monthly statements nor any instructions as to how to make re-payments. Further we are advised Champion Mortgage is the subject of a class action lawsuit for increasing fees and charges on elderly reverse mortgage holders by ignoring their request and making unauthorized inspections without knowledge of the property owner.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a new checking account in XXXX with BMO 's promotion for a {$200.00} account sign up if you had two direct deposits within the first 90 days. The terms specifically listed that the direct deposit included retirement/pension payments. I went out on leave from work in XXXX and started using funds from my retirement account for ongoing expenses. I deposited these funds from my account to BMO several times over the following 90 days. However, BMO is now telling me that those deposits are a fund transfer and I am therefore not eligible for the account promotion, despite them listing retirement/pension payments as a valid direct deposit. After much interaction with their customer service online I have not been helped.

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 11/18/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Improper contact or sharing of information probably best describes what happened. 

I received a call asking for someone who is n't me. I let them know I was not who they were looking for, but I wanted to know how my phone number was on their call list. 

The only response I received was : I 'm sorry, we must have the wrong phone number. To which, I asked, how exactly did my number end up in your system. 

I was escalated to a manager, and again, the only response I received was that if it was a wrong number, they will mark it as such. But they had no explanation for how they received my number. 

The manager tried to feed me some XXXX by telling me that it 's probably just a leftover reference from the old owner of my phone number. I informed him that I 've had my phone number for over a decade, which should put the debt they are trying to recover for beyond the statute of limitations in most states in the US. 

The manager offered to pull up the record and saw that the first time I was called was in XXXX 2015. That pretty much exposes the flimsy explanation the manager provided me in the beginning. 

In addition, a cursory google search shows that Portfolio Recovery Associates has been guilty ( and fined for ) of attempts at recovering debts beyond the statute of limitations in NY. 

I am writing this complaint to say that it looks like Portfolio Recovery Associates may not have changed their behavior and are likely continuing to try and recover debts outside of the legal limits. 

I do not feel their tactics are honest, and I am further in support of reform of the debt recovery industry. People should, without a doubt, pay their debts, but debt recovery agencies need to be held to greater accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Media Collections, Inc (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX IS COLLECTING A DEBT THAT WAS SOLD TO ANOTHER COLLECTION AGENCY : JOSEPH MANN & CREED, XXXX ACCOUNT XXXX, XXXX # XXXX IN THE AMOUNT OF {$1100.00}. DATED XXXX/XXXX/2016 SEE ATTACHED. 

ALSO, REQUESTING FRAUDULENT COMPLIANT/CLAIM/DISPUTE FORM 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 non-monetary relief
Consumer complaint received 11/25/2016 about Bank account or service (Other bank product/service) with KEYCORP (NJ).
Issue: Making/receiving payments, sending money

Complaint: My auto loan was purchased from First Niagara by Key Bank in XXXX. I have been making my payments online since XXXX with no issue before this purchase. On XXXX XXXX, posted on XXXX XXXX, I made a payment of {$360.00}, well above the normal {$330.00}, for the XXXX XXXX payment. This payment somehow was not recorded correctly as a normal payment, but XXXX that went directly to the balance. I called on XXXX XXXX to have this issue corrected. I was told that an adjustment would be made in 5 business days and thank me for the payment. 

On XXXX XXXX I get a statement where I owe {$680.00} which includes a late fee. The phone system does not recognize my payment in XXXX, but the website does. I again called customer service to have this issue fixed, which I was told they will immediately. As a good faith measure, I made another payment of {$310.00} for the XXXX XXXX payment. 

On XXXX XXXX at XXXX, I get a phone call from collections stating I never made a payment since XXXX, that I was delinquent by over 20 days, and they threatened to take my car and destroy my credit score. Obviously I was rather upset. I gave him all the information and associated emails FROM Keybank recording my payment. They said they noted it but I need to make a payment. 

I again called Key Bank customer service in the afternoon and asked for a Supervisor. After waiting an hour, I got XXXX. I explained to her the situation. She informed me that On Line Payments, the same system we were told to use when Keybank bought First Niagara, did not take normal payments. THIS WAS NEVER TOLD TO ME AT ALL! I told XXXX that I made a payment online on XXXX XXXX and I need to have this adjusted like the payment in XXXX. I told her, if you look at my account history, you 'll see I have made a payment on time or early for the entire life of the loan. I wanted documentation that this issue is their fault and that they are fixing it. They would not do so. I instead got XXXX direct number. 

At this point I feel helpless. I am getting punished for making an EARLY payment and worst yet, the only way I can make a normal payment is by sending it by mail as their online banking is n't capable of accepting the payment. What is this? XXXX? What bank in XXXX not except online payments!? 

I informed them that if this issue is not corrected by XXXX, I will contact a lawyer.

Company response to consumer: Closed with monetary relief