milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I attempted to open an account at  XXXX   XXXX , and learned that my name was in the   XXXX    for suspected fraud. I order a  XXXX  report, and learned that my name was added to  XXXX  for fraud by Bank of America. So I contacted Bank of America, and asked how could I have my name and social security removed from the   XXXX   report, they explained I needed to pay the balances owed to them. Which the amount was right under {$350.00}, and I would need to write a letter in explaining that I had not only paid the balances owed, but did n't try to defraud the bank. I understood that when I was previously employed by    Bank of America,  due to a bounced check that I had wrote my account would be closed, and they fired me. I at the time was living pay check to pay check, and had plead with them to not fire me, but to deduct the money from my check that I owed them. I still got fired, and since then it took time to get back up on my feet. I 've now have remitted payment to Bank of America, and was informed  XXXX   XXXX   2017 that I  would n't be removed from  XXXX  They stated I did n't provide proof of my request asking to be removed from  XXXX , and that they did receive my letter but that was not sufficient. I 'm trying to better my life, but due to this  XXXX  report, it has caused me to be denied, certain apartment for leasing, and from opening a traditional bank account where I can re-establish a good banking history to obtain a mortgage loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Delinquent account

Complaint: Capitaol One bank USA shows a 30 day late in XXXX 2014. I show two payments made in XXXX 2014. One on XXXX XXXX, and the other on XXXX 2014. Please advise. Thank you in advance for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I owe about XXXX in private student loans. I am XXXX years old and unable to afford a mortgage and move on with my life. is there any way I could pay less or have something forgiven? I am with navient and have a very low interest rate. I am paying XXXX in private loans and XXXX in federal. I 've called many different Places with no help. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (I do not know) with Windham Professionals, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Before you attempt to read this message I want to let you know that this isnt a letter to collect debt. I am writing this letter as an affidavit and a dispute. The accounts listed in this letter is inaccurate and is an error. ERROR ACCOUNTS : XXXX, XXXX  XXXX & INQUIRIES WILL BE IN THE ATTACHMENTS. I have contacted your company 90 days and you seem to be ignoring me which let me know that you are aware of every certified letter I sent to you and you have nothing with my signature bearing my signature or any documents that is attached to me. By law you must remove the items immediately and I am only allowing 24 hours for this to be resolved. I am unaware of the accounts and inquiries listed. I mentioned this in 3 previous letters 90 days ago but your intentions were all wrong and youve violated my rights as human being and Im forced to take legal actions for using my consent with out contacting me. This is a special moment for me knowing that we will be in court soon because you owe me time and damages that youve caused stress and more to my life than you ever can imagine. I will be filing a lawsuit very soon and will be looking to be compensated an amount of {$30000.00} for all the damages.

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 12/29/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America represented to me a Trustee Sale at auction will be held on Friday, XXXX XXXX, XXXX at XXXX. This is untrue as no public auction will actually take place as represented. Bank of America has already sold any debt associated with my home and account in XXXX XXXX after having removed the cease and desist collection coding from the account on XXXX XXXX, XXXX. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory, including all statutory, exemplary, and punitive damages plus an addtional ten percent and an immediate reimbursement of all amounts applied and assessed to this mortgage account at a compounded daily interest rate of ten percent via cashier 's check not drawn on Bank of America or any of their affiates, or on a bank that does not conduct business within the state of California. Not only must Bank of America pay me back, to include mesne profits, Bank of America must also repay the tax payers all amounts associated with this account. This includes, but is not limited to, TARP, MHA, HHF funds since XXXX. 

Damages are calculated as followsXXXX : STATUTORY : {$50000.00} for every household member, mesne profits, plus Median Property Value ( MPV ) and all amounts ever assessed on or associated with the real property and home loan mortgage account, personal property of at least {$300000.00} or actual value, whichever is greater, and all litigation costs. Household pets and livestock are an additional {$50000.00} each, plus ; EXEMPLARY : Payment of all property taxes and insurances for a minimum of fifty ( 50 ) years and three ( 3 ) times statutory damages, plus ; PUNITIVE : The statutory and exemplary damages for each instance of every cause of action listed, plus an additional 10 % of the total monetary damages ( statutory, exemplary, and punitive ). 

*Death claims are an additional trebling of calculated total damages for each instance. 

**Seniors and XXXX persons are entitled to any additional damages allowed by law for each eligible household member. 

***Next of kin may bring a private right of action provided there is first hand knowledge and next of kin status can be proven. First hand knowledge is assumed if next of kin was a member of the household. 

I did not default on Bank of America. 

Bank of America defaulted on me! 

Bank of America must stop themselves from defaulting on consumers of mortgage related products and services.

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 04/14/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX is presented as a collection company, but is in fact the primary billing agency for XXXX XXXX XXXX. After having XXXX ' and being billed, I tried to find ( going from department to department ) a way to pay the hospital directly and was told to contact XXXX XXXX XXXX . I paid monthly installments for this medical bill until it was paid in full and they stopped sending invoices, only to find out that they backdoored my perfect credit standing. This was for XXXX medical services. My excellent ( check the history ) credit status should be restored immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I rented a room for {$770.00} on XX/XX/XXXX and the agreement I had with the landlord was that once I was offered housing in my university, I will be receiving my deposit back to me. However, that has not happened since I moved out on mid-XX/XX/XXXX. He constantly assured me that I would getting my money back starting the beginning of XX/XX/XXXX. Then he said he was having a financial issue and told me that the latest would be XX/XX/XXXX. I have attempted to contact him multiple times in order to resolve this issue. He has completely ignored all the messages and even pretended to not know who I was. Recently, I have filed claims with Chase and XXXX. Chase told me that they were reversing money back to him and I find that unjust. I do not feel as if there was any investigation done with this fraudulent claim. I was deceived by the landlord making this a fraud. Chase told me to contact XXXX and ask for their help. I have contacted XXXX and they will be getting back to me within the next 24 - 48 hours to see if they will be able to file a chargeback. I would appreciate any help from your department in this matter. 

Thank You, I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Bank account or service (Checking account) with NETSPEND CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: I have contacted NetSpend 4 times via email regarding my inability to log in online. The issue is not due to clearing the cookies or cache of a browser because I can not log in with any browser on any operating system including : IOS, Windows, Linux, Chrome, Firefox, Safari, Internet Explorer. When I log into XXXX the page loops back to XXXX as if I have never logged in. 
This continues to perpetually loop. I am, however, able to log on to the mobile app and access my information. It is important for a consumer to be able to access all avenues the service/bank provides. 
NetSpend customer service gets back to me no less than 48 hours after sending each email. My fear is that the mobile app will not work after the next update and I will have no ability to access my account and be forced to pay the fees that NetSpend requires to make a call to the bank for any reason. 
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 04/28/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Customer service / Customer relations

Complaint: I have been a cardholder since 2011. I have a {$2000.00} credit limit, recently I 've had a balance of around {$700.00} because I just recently moved, bought home stuff, and switched jobs. This month, I never received my statement online but had contacted them on XXXX to make arrangements, as I was unable to make my payment due to health issues and recent difficulties. My payment was due on XXXX XXXX, I called and spoke to a representative on the XXXX. I said I was not able to make my payment until XXXX XXXX. He said he would keep my account on his " personal queue '' to ensure I did not receive a late fee, and that no damage would occur to my credit as I had called to make previous arrangements. He was professional, curt, and empathetic. Cut to today, XXXX XXXX, I received next months statement with a {$27.00} late fee and a notification that my credit limit was being cut to {$800.00} - a {$1200.00} decrease! I spoke to a supervisor who said she could not do anything to restore my credit balance or waive my late fees in full, she could only waive half of them, as I have had a late payment in the past. I reminded the supervisor that the credit limit decrease would DESTROY my credit score, and she said it was not her issue, as it was a decision based on my late payment and my credit history. I got onto my CreditKarma and my credit score had went down XXXX points on XXXX XXXX due to an increase in credit utilization, because i lost {$1200.00} in credit limit! I was on the phone with them for 57 minutes while they ping ponged me around. Yes, it is your issue. I 've been a loyal customer for the last 5 years, I 've sworn by their services and you just lost that. Awful customer service, no one can speak good XXXX, no one cares about promises that their representatives make, and they obviously do not care about their customers.

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 05/15/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I am reported to XXXX by Bank of America ( BOA ) for apparent fraud. There was never any fraudulent activity on my behalf. This was reported sometime in XX/XX/XXXX, but came to my attention in XX/XX/XXXX when I went to open up new bank accounts. I paid overdraft fees I supposedly owed BOA and they allowed me to open a bank account. A few days later they closed my account due to chex systems. I then spent many many hours trying to figure out why I was unable to open up an account at any other bank. After, a lot of research I began writing both XXXX and BOA to get this removed from the system. This began on XXXX/XXXX/XXXX when I sent my first letters out to BOA and XXXX. I did not receive a letter from BOA until XXXX XXXX, XXXX dated XXXX XXXX. Based on the XXXX XXXX, Bank of America did not follow the proper time frame and procedures in the Fair Credit Reporting Act. 

Over the past 18 months I have kept a detailed history of the extra time and money that I have spent because I have been unable to open a bank normal account. With the help of some online forums, it was pointed out to me how they violted the FCRA. I was ready to go to small claims court Monday ( XXXX/XXXX/XXXX ) but was advised that you all might be one last stpo to give BOA a chance to resolve this issue without the courts. 

I have my paperwork of certified mail return receipts and the letters that were enclosed. Bank of America received all this as well and do not feel the need to submit them at this time as I was advised to wait until court to provide my paperwork.

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 04/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Williams & Fudge, Inc (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt collection agency, Williams & Fudge, incorrectly reported to credit reporting agencies that I owed a tuition debt to XXXX. I did not attend XXXX in XX/XX/2014-XX/XX/XXXX. 
This false reporting of a debt I did not owe, caused me to be declined for a credit card through my credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ability Recovery Services, LLC (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I tried to reach a settlement for some type of medical bill that hit my credit last week but was dated back to 2015. I can tell its a small office because I kept getting the two same rude employees. The guy said his name was XXXX and the girl said her name was XXXX, but I dont believe either of them. She kept hanging up on me when I asked for a supervisor after she was refusing to give me information on the bill and wouldnt give me a settlement amount. She said, Nope, {$830.00} Im full, have a good day ( sarcastically ) and she hung up in my face. Even when I told her she was being recorded she still hung up. The guy was just as rude and when he picked up and I asked for a supervisor he transferred me to her I guess trying to be funny. I need to reach a settlement amount with this company and once its paid I need to make sure they dispute it off of my credit. The employeees there are NASTY, and those two need to be terminated. I remember the womans voice distinctively. Can someone please help me resolve this issue! I went on the BBB website they had one positive comment, and 146 complaints. And many recent. And they were complaining about the same two people! Something isnt right. The name of the company is ABILITY RECOVERY SERVICE in Wyoming, PA.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX collection accounts in my Transunion credit file that are older than 7 years and should be removed. In XXXX cases the collection agencies move the open dates of the original debt in order to keep the debts within the 7 year window. This is a common practice with large debt collection companies like XXXX XXXX and XXXX, XXXX and they should be investigated for using these tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2015 about Debt collection (Credit card) with CITIBANK, N.A. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have had several checking and savings accounts at various banks in the area I live. Each time I open an account, everything is okay, if/when I decide to close my accounts because of various charges, I am charged an arm and a leg to close or even to be billed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I called Transunion 15 times and told them I have someone applying for credit in my name. The other bureaus have started their investigation of fraud inquiries. Every time I call, i get to the fraud department only for them to read a script that it is a statement of fact and they will not investigate this. They are violating the law and I need to it that either they are going to correct these inquiries on my credit or I will continue to pursue them, in court if I have to. Please have them comply with the FCRA.

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 11-10-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I am a victim of identity theft. I have disputed the items and they were removed after being proven they are not mine and the same exact debts have appeared back on my report for a second time after being sold to someone else again and the bureaus continue to re-insert the item. I have also requested to remove the fraud alert in writing for a short period and they did not do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Extreme difficulty in repayment, tried to lower payments and was extremely difficult and unclear, payments were not recieved. When made, constantly calling my house, very difficult to work with, ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. ().
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I can not confirm registration for the " trusted id XXXX '' Equifax product which monitors thefts and givers one-million dollar insurance for free for XXXX year. XXXX They will not confirm me on the phone at the number given on the registration website XXXX and refer me to a different number. There is no answer at the second number XXXX. XXXX The link that they sent to me to confirm my registration via e-mail will not allow me to connect to complete the confirmation procedure saying their " cloud coverage does not allow service in my area ''. I am in XXXX but a U.S. citizen with U.S. bank credit cards. **** Simply put, they will not allow me to complete confirming my registration which is necessary but is an extra step in the process that is totally not needed once I have registered and should be eliminated. **** Once I register for protection there should be no additional registration steps needed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (Medical) with Stallings Financial Group, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: The XXXX medical bills that are open collection on my credit report are false. I included ALL my medical bills into my bankruptcy. The dates that they are giving are false. These XXXX account were open way before my bankruptcy. Which is like a year or two before my bankruptcy. If I am force to get documents then I will begin getting the paper from the doctors office showing when the account were originally opened. These company 's should not be able to just keep renewing the old accounts so that they continue to stay on someone credit file and be eligible to keep harassing people after a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Non-federal student loan) with AES/PHEAA (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I currently have a large student loan balance with American Educations Services who is the servicer. I have always made payments, but recently as of XX/XX/XXXX I have gone through a financial hardship and have fallen behind my payments. I contacted AES and they had sent me forms to complete so I can be enrolled in their financial hardship program ; in which payments as interest rate ( s ) are reduced. However, I need to be 100 % caught up in my payments in order to proceed. I have explained that it 's not possible for me to catch up as I am currently experiencing a financial hardship. Their response is that there is nothing that they can do. Due to this my credit is becoming damaged and I will always be late and never meet their parameters for their program. Instead they offer me forbearance, why would I want to make my loan more expensive? They is obviously an attempt to dissuade borrower 's from qualifying for their program and keep collecting fee ( s ).

Company response to consumer: Closed with explanation