milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2017 about Bank account or service (Other bank product/service) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: I have had an overdraft account with Santander for over 5 years now. I have not made any payments because the original balance of {$1900.00}, with interest, is now {$4700.00}. I keep waiting for this account to go to collections so I can pay a lower amount, but it never has. I just keep getting more and more interest charges.

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
Consumer complaint received 12-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My real estate property tax was not paid by either mortgage company, XXXX XXXX XXXX ( OLD Acct # XXXX ) or Bank of America XXXX XXXX XXXX # XXXX ). My tax payments are escrowed. I have an outstanding NYS Property Tax bill of {$1000.00} for XX/XX/XXXX- XX/XX/2016 My mortgage was transferred XX/XX/2016 from SPECIALIZE LOAN SERVICES ( I 've made complaints about this company in the past ), to BANK OF AMERICA. Neither mortgage company paid the property taxes. My last XXXX XXXX XXXX annual escrow statement shows a payment of {$410.00} paid out but to whom? XXXX XXXX XXXX or Bank of America has to pay the taxes out of the escrow. The mortgage payments I made included the XXXX tax payments already. Where did that money go? I called XXXX XXXX XXXX XXXX. and was hung up on, Im guessing because I called close to closing. She could have called me back. Their customer service was never great. I called Bank of America and was told to call XXXX Services. I am given the run around. Please make them pay my XXXX XXXX tax. I already paid through mortgage payments. Specialize Loan Svcs ( old Acct # XXXX ) XXXX XXXX Bank of America ( XXXX Acct # XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am an XXXX XXXX XXXX member. I left the state of New Mexico in XXXX of XXXX. Prior to leaving I went to XXXX XXXX with a copy of my orders to an XXXX XXXX XXXX in order to cancel my plan. I was informed that due to being on orders that I would not be responsible for paying the early termination fee on the account. A couple months in to my XXXX XXXX, I noticed that I was still being charged monthly for service. I called XXXX, they zeroed the account so that I did not owe them and told me they were closing the account. From XXXX I XXXX in XXXX of XXXX and began receiving collections notices. I tried contacting the initial collection agency with no luck, since then it has changed to several different agencies, one seeking more saying it was interest, the most recent saying I owed I believe {$340.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2015 Fifth Third closed my checking account without notifying me. On XXXX XXXX, I went on line to check my balance and seen the account closed. I Called the XXXX office in XXXX Florida immediately, spoke to XXXX, asked him why the account was closed and he said they did not want my business. I told him I would pick up the check, he said I could not pick up check, it was mailed to me on XXXX XXXX. On XXXX XXXX I called and spoke to XXXX, told him I still did not receive the check and he said it would take 5-7 business days for me to get the check in the mail. On XXXX XXXX I called him again to tell him I did not receive the check and he said to give it a couple more days. I told him to just cancel the check and write me a new check and I would pick it up. He said he could not do that and I have to wait to receive the check. I told him it does not take 10 days for a check to be delivered by the post office. They are refusing to give me my money and I think the check is still sitting at the XXXX office. When I asked him who closed the account he refused to give me an answer. When I called customer service for fifth third they said the XXXX office closed the account and they could tell me exactly who closed it and where the check is. Customer service said I have to deal with the branch that closed the account, no one else can help me. I emailed customer service XXXX times and no one ever responded, though their email to me said they would get in touch with me within 24 hours of receiving my email. I left message for the manager to call me and never heard back. As the attachment shows it is alot of money they are holding of mine. XXXX 's last remarks to me were if he has to cancel the check it is a very hard and long process and it could take months to do that, so I better just wait for this check unless I want to wait at least 2 months more before I get a replacement check. They are being unreasonable and I know it does not take this long to get my check. I have talked to several other banks in town and they do not believe the way fifth third is handling this. Other banks I have talked to say, when they close an account they notify the customer and let them come in and get their money. When I mentioned this to XXXX, he said they always close accounts this way. I never received a certified letter from fifth third as XXXX states was sent to me. When I asked him to prove who signed for it, they would have it on file, he said he could not locate this information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: There was a call on my mother 's voicemail from someone named XXXX XXXX threatening to arrest me for a loan that I do not even recall. When I attempted to get some answers regarding this, a young lady got o the line speaking very rudely and loud talking telling me that I did something fraudulently but when I began to question her about where this lawsuit was filed so that I could look it up, she started yelling and then hung up on me. All I could get was that apparently this took place in 2013. Both the young lady I spoke with and XXXX XXXX were verbally abusive and I have gotten no less than 6 calls in the last 15 minutes from XXXX XXXX yelling at me and telling that I need to tell him where to come to " serve me ''. I have had to block the telephone number. His voice message states that I have charges and a claim filed against me but they will not tell me where. Only a file number. I have no idea what they are talking about. This conduct is beyond acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX does not have enough information to validate this debt. This is not my debt and they are falsely reporting it to all XXXX credit bureaus. They can not provide proof this is my debt other than statements they created and sent. I need to see what identification was used to start this account falsely under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I contacted Navient to discuss lowering my monthly payment which I can not pay at this time still being a student and unemployed. They had previously agreed to let me make interest only payments for the past 4 years to have a lower payment because they said I had exhausted all option for a forbearance with a private loan. I stated to them that as a student, I am on a very tight budget and can not afford to make the {$110.00} payment amount that is coming due on XX/XX/2017, but that I can pay something if they can agree to lower the payment. They stated to me that they can not. I spoke to their collections department who informed me that if I waited until 5 days after the payment is due and called in that maybe there is something they could do. However, I stated to them that I did not want to go delinquent. This is the reason I am calling now is to make arrangements before becoming delinquent. They will not work with me on this at all! I spoke to a supervisor then a senior supervisor then a collections supervisor department who was the rudest of all and told me that even if unemployed they would not lower the payment and allow me to pay a lower monthly payment. They say I have no options but to pay XXXX or nothing and ruin my credit. They are completely unwilling to help me work out something in any way whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Using a debit or ATM card

Complaint: Good Afternoon. I would like to file a complaint with TD Bank as I have been experiencing many issues with my Checking Account. My account was compromised, there were unauthorized ATM withdrawals in New York, a fraudulent mobile deposit in my account. I have been contacting TD Bank since Monday, XXXX regarding this matter and it has yet to be resolved. I was misinformed by several representatives as to what actions that I need to take. I was informed yesterday, after 4 business days that I needed to go into a local branch to file an Affidavit for the fraudulent mobile deposit. I was told by the branch that I did not have to sign anything as information is submitted electronically. A representative was very fresh on the call with me stating that she was not sure why a representative had not informed me that I have to sign an Affidavit. I was also informed that the branch would give me a copy if the fraudulent check that was deposited which, yet again I was misinformed. The branch provided me with a blank copy as they were unable to see anything. Throughout this whole complaint I filed, I have been treated as if I am the criminal, not the victim, constantly being questioned about the fraudulent withdrawals. My fianc lost his debit card and I am not sure how anyone was able to make those transactions. If my account was really looked into, it will reflect that I have never made that many withdrawals at XXXX time and I hardly ever use a mobile deposit. This is my checking account that has been blocked from any deposits, etc. I am not able to pay any bills or making any deposits, this concerns me as I am getting married next month. The bank has done nothing but question me or be accusatory and tell me to wait. Whoever deposited the check and withdrew money from account apparently has more protection than I do. Where are my rights as a Consumer?? I could see if there was a pattern of fraudulent activity in my account, however there is not. I receive Direct Deposit by my Employer bi-weekly and make the same deposits and pay the same bills every month. I am really not sure what to do at this point as the bank does not seem to value me as a Consumer, perhaps if I was a wealthy account holder things would be different,

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Medical debt) with Ray Klein, Inc. (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Professional Credit Services showed up at my doorstep with legal paperwork outlining a debt that we owed. We attempted to call them to pay the debt, and when we did they told us that we couldnt have documentation until we put a downpayment on the debt. They told us they " dont do that. '' They want me to give them money without anything saying that they would halt the legal process. In fact the person told me that they would not proceed with legal ave ues if we paid them the money. Again no documentation was going to be given. The amount also keeps changing. It was around 550 and now its XXXX?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I had a dispute with XXXX over some overcharges on my Invoice. 
They did not want to hear about it so they gave it for collection. 
I finally paid the collection agency the full amount. 
Subsequently XXXX realized they had made an error and sent me a refund check. 
I have been trying since XX/XX/2009 to get this off my credit report and they wo n't do it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Mortgage (FHA mortgage) with loanDepot.com, LLC (MI).
Issue: Struggling to pay mortgage

Complaint: I contacted Loan Depot in regards to being off work ill since XXXX. I made all payments on time never late until savings ran out in XXXX. I sent them my job offer advising them I was starting new job and will be able to make payments on time. I ask if I could get one month deferment and was advised no. They refused to take partial payment which I advised i could make biweekly payments to get current they refused and told me to do loan modification ; deed in lieu. I applied for modification In XXXX and have been getting run around since and modification still not completed. Home is now in foreclosure with sale date and I never got update from mortgage company in regards to anything or status of modification. I only got updates because I was calling weekly. Than I started getting hung up on every time I called or recording stating leave message someone will call back and never have called back. I had to start calling off other phones to get thru and speak with someone about status and not enter loan number or will get hung up on. This company has caused me so much stress and the process in which they function is terrible. If the calls are recorded I would love to have them pulled so the CEO and share holders can hear and see the unjust I have been experiencing since XXXX still with no solution to my home. I believe they have caused me more fees and stress than my initial call when I ask for a month deferral which I would have had account current in two months time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (I do not know) with CITIBANK, N.A. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: 3rd party collection agency FCBS calling multiple times and hanging up, then refusing to tell me why they are calling. Finally they disclose an attempt to collect a debt which was paid in XXXX 2015. I have advised them to cease and desist.

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 12-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Credit line increase/decrease

Complaint: I have been a Capital One card member in excellent standing since XXXX I never defaulted on my account nor was I ever late in sending my payments On XX/XX/XXXX I made an electronic ( ACH ) payment of {$500.00} from my business account to Capital One credit card account. The funds were deducted from my business accounts and were applied to my Capital One credit card account immediately. 
My balance due to Capital One was {$4500.00} ( out of {$5300.00} line of credit ) In other words I still had a " credit '' of {$790.00} available yet, a dinner transaction of {$39.00} was declined twice by Capital One. 
Capital One refuses to provide a written explanation as to the reason why they card was declined. 
This is not the first or the second or the third time over the last 16 years that Capital One does that to me. 
During XXXX back in XXXX, both my house and business had no electricity, phone service or Internet service, yet Capital One Credit refused to increase my line of credit by {$200.00} to allow me to purchase an emergency generator. Then too they refused to provide any written explanation as to why my request for small emergency increase in line of credit was not granted.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: ever since we bought the house in   XXXX   we had   XXXX   as our house mortgage bank. they sold to  XXXX . I set up my payments to go to the wrong address, I used one of the letters I received from  XXXX  but it was wrong address. the first payment or  two were  cashed and I did n't hear anything from them. Until I received a letter stating I was late  one mont h, I called my bank they said payment was sent off, my bank then called  XXXX  and we realized I had the wrong payment address. so we put a stop payment on that months payment because it was going to take to long to send to the other address then cash. so I was actually never late, I have proof from my bank that money was available on the  XXXX  just sent to wrong address, I do n't want to be penalized for a mistake on a address, ive never been late.

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 01-06-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Credit determination

Complaint: I applied for a credit card ID XXXX for creditor Capital One Bank, I am a victim of ID Theft and have had a fraud alert on my credit files since XX/XX/XXXX/XX/XX/XXXX. Being that I am working on my credit, I was turned down from Capital One. I make {$30000.00} for the year when I checked with my credit file I have what is considered negative accounts. On there are closed accounts because they were consolidated into XXXX account with XXXX. I do not know if the person from Capital One can see the consolidation. My score is XXXX from XXXX, when I try to call back I am being offered to apply again instead of looking into the first application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I agreed to settle in full my debt with XXXX XXXX XXXX being handled by Portfolio Recovery Associates for {$280.00}. I paid this debt to the address I was given by Portfolio Recovery and the original XXXX XXXX account number using XXXX online bill pay on XX/XX/XXXX. The payment was delivered by XXXX on XX/XX/XXXX. The creditor has either lost or mismanaged the payment but I have a proof of payment from XXXX to show that the settlement was paid by the agreed upon date.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Can not reach a human who will help. Automated numbers are disconnected or are circular redirections to intentionally frustrate. The recording instructs you to write to them by mail and disconnects you completely rather than redirecting to other options. Found a number and reached a human who told me I had to pay to receive my credit report ( illegal ).

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 07/26/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have disputed items on my credit report from this company asking for verification and validation of a written agreement with them. This company has verified my account as accurate and sent a copy of a credit card statement. This is no showing that the information is accurate or owed to them. After I submitted a disputed they have since added new records to my credit report for the same company but different amounts. They have failed to respond the the other disputes I have filed but have makes them as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This is the second complaint I have filed against this company. They continuously report a debt that has already been paid. I have requested validation that this was not paid and they have failed to do so. I have requested a bill supporting the charges for the services they claim have not been paid and they have failed to do so. I provided my proof showing the bill has been paid in full TWICE via mail and fax and this company has failed to remove their collection from my credit reports. ARS keeps sending me a letter with an invoice number and an amount owed and as I have told them multiple times THAT IS NOT VALIDATION! At this point if this is not removed I will be seeking legal representation for misrepresentation. This company continues to violate my rights under the Fair Credit Reporting Act by not providing me what I have requested. If ARS can not provide valid documents showing this was not paid, then I want it removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation