milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have had an account with Bank Of America since 2005 and Ive never had any issues but during XX/XX/XXXX and XX/XX/XXXX, I had some problems. My XXXX XXXX  son got ahold of my XXXX  login and he made a ton of charges on my BOA account. There were {$900.00} in overdraft fees on my account. I went into the branch to see if anything could be done, even 1 fee refund would help, a week after XXXX. They could not refund anything. 
I asked what I could do to stop all of these bouncing transactions and the banker called the ACH department to see if she could turn the account into a credit only account until the nightmare stopped. They could not do it so she recommended I place an ACH stop payment and bring the account current. The fees had already eaten up my sons XXXX check and my child support so I borrowed the money and brought account current. The banker told me based on the situation, I shouldnt be charged a stop payment fee. Well, I was! I went into branch today and they would not refund the stop payment fee, even after telling me it wouldnt be charged. 
The bank told me if I filed a fraud complaint that they could possibly refund the one fee, but I explained that my child is XXXX and I would handle it at home, rather than getting him in trouble with the law. They could have helped me during this hardship, but of course, they did not!

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 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors,  employers, financial institutions, and a host of others.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient has been giving me XXXX about my student loans since I 've been dealing with them. Most of my loans are consolidated now but still a few with Navient are not and I 've been trying to take care of this situation over a couple of years now. They have me as defaulted on the XXXX website and it 's false information. This has also affected my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Debt collection (Medical debt) with American Credit Bureau, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am in the process of building a new home. My lender discovered this debt from a previous XXXX on my account with a collection. I do not owe this money, but I paid it anyway to clear it from my credit report. I contacted the collection company on X/XX/2017. Almost immediately I received notification from the XXXX  office stating the collection agency contacted them and I can call their office for payment. I contacted the XXXX office that day and made payment over the phone. I then notified the XXXX office and the collection agency that my lender needs a letter from the collection agency ( since they are the now owners of the account ) stating my name, account number, balance owed, with their name address on their letterhead. I have requested this everyday since then, and they even refuse to respond to my request. They have just ignored me. I even contacted the dentist office back and have asked if they could help, and they ignore their request as well. No correspondence from them what so ever. This is potentially costing me several thousand dollars in possible interest rate hikes, delay in breaking ground. I feel I have been patient enough for a bill I did n't even owe in the first place. They responded immediate when I wanted to pay my bill, and now will not even respond to me or their client. I have done what I am supposed to do and this bill of {$260.00} is costing me thousands because of their disregard. Please help. Thank you.

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 01/18/2018 about Debt collection (Payday loan debt) with TrueAccord Corp. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a personal loan with XXXX with a balance of XXXX. The debt was then bought by XXXX XXXX XXXX ( ncaks.com ) and I settled by paying 50 % which was XXXX. This amount was paid on XXXX XXXX XXXX. It appears that they then sold the paid account to XXXX XXXX who has been repeatedly calling my cell phone, my work phone, my husband and my sister in law stating that I have committed bank fraud and an official complaint has been filed against my SSN. None of which is true

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 08-09-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus Mortgage company is charging an OUTRAGOUS amount for PMI ( XXXX ) each month and will not remove the charge even though all requirements are met for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Loan servicing, payments, escrow account

Complaint: I requested an appraisal as part of the process to remove the Private Mortgage Insurance ( PMI ) on my Wells Fargo Mortgage. Wells Fargo provided paperwork advising they would only accept an appraisal handled by XXXX XXXX XXXX ( now XXXX XXXX XXXX ) and the charge for the appraisal would be {$550.00} for a single family residence. Since all market indicators, including sales of adjacent identical properties, as well as property improvements suggested the value of the property more than surpassed Wells Fargo 's PMI Deletion threshold of XXXX % Loan to Value ratio ( LTV ) we proceeded with the appraisal. I was shocked to find the appraisal returned well below the expected market value range and with numerous factual errors that indicated the appraiser failed to conduct a proper appraisal consistent with the duties of their licensure under the laws of the state of Georgia. I disputed the initial appraisal by providing documentary evidence including public records demonstrating the Gross Living Area ( GLA ) of the property, receipts for improvements made to the property as well as publicly available information on the local real estate market demonstrating significant increasing home prices in the neighborhood. All of this information was baselessly refuted by Wells Fargo. Wells Fargo and their contracting partner XXXX have to date failed to provide any Third Party or public records to support their original assessment. Despite being challenged with credible counter evidence to the findings of their original appraisal Wells Fargo and XXXX XXXX have maintained their ill supported and factually incorrect position. Due to their intractable position in the face of facts I have come to the conclusion Wells Fargo and XXXX XXXX home mortgage appraisal operations are a consumer fraud whereby the lender and their contracting partner are able to deny legitimate consumers seeking to remove their PMI as a result of increasing property values after collecting a significant fee.

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 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are 8 inaccurate late payments being erroneously reported by XXXX from XX/XX/XXXX-XX/XX/XXXX on my credit reports. For three years I have repeatedly challenged this inaccurate reporting directly through XXXX Customer Service, the Credit Bureaus, and utilized a Credit Repair Service to no avail. I submitted documentation two times to XXXX directly, proving I was enrolled in school during the time their derogatory information was inaccurately reported. XXXX has refused to acknowledge receipt of the documentation or remove this extremely damaging late payment status from my credit reports. <P/>I also informed Navient I never received any letters or notice that I was going out of deferment and into re-payment status although I have had the same address for over fifteen years. I also had over a 6 year pristine record with XXXX and XXXX XXXX prior to this incident and clearly extremely responsible regarding my loans. <P/>As a result of their inaccurate reporting and refusal to address their mistake, I transferred all of my student loans to another Servicer in XX/XX/XXXX. So XXXX no longer services any of these loans, yet continue to negatively report to the bureaus. <P/>On XX/XX/XXXX, I spoke yet again to another XXXX supervisor. She instructed me to email the documentation and clearly stated she would take care of the mistake. On XX/XX/XXXX I emailed the documentation again as per her request and to her attention. There was no response. Over the course of the next three weeks, I followed up with additional emails and had to place six more phone calls to reach someone in the same department, ( although I 'm unsure it was the same dept. as they refused to transfer me to the original person I had spoken to. ) They proceeded to inform me they had not received the document I emailed on XX/XX/XXXX. However they admitted to receiving the follow-up emails I had sent ( which ironically were part of the same email conversation ( linked ) that contained the document they refuse to acknowledge receiving. ) When I pointed this out, they refused to respond. <P/>XXXX appears to maliciously ignore proof of their error and continues to report derogatory late payment status on my credit reports. Their erroneous reporting has caused great harm and an enormous time investment which has proven futile to resolve. Their inaccurate reporting has also destroyed multiple opportunities for housing, purchases and extension of credit.

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 06/25/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX card {$500.00} limit, used twice paid off within 3 or 4 months, carried card for 8 months. <P/>I 'm a experienced mortgage loan processor. Understanding credit, debt to income calculations and financial lending most recent standards are fundamental me to having a job, so I get how the economy works. <P/>Synchrony services 90 % of my retail credit card debt and 70 % of the credit card servicing marketplace. Est total ( my husband and I ) synchrony retail debit is XXXX but XXXX of that a luxury jewelry purchase with special financing and XXXX is LensCrafters frames/lenses also with special financing. <P/>That being said, I do n't have any late payments, collections or bankruptcy remarks. 50 % of the retail cards that are reported on my credit report are authorized user accounts which can not be used to calculate negative debt against me because I 'm not financially responsible for the card. <P/>I do n't understand why they closed my account. Is this standard practice for synchrony? I admit that credit cards are different than mortgages but I can assure you the risk assessments need qualification guidelines for credit cards vs mortgage loans It 's like being in from XXXX but only being fluent in XXXX with a XXXX accent. <P/>I do n't get it

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 08-12-2015 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I leased a XXXX Toyota Rav 4 EV. The vehicle has been in service many times for ECU not functioning properly, Toyota has failed to fix it. My vehicle has been in service for 6 days at the XXXX Toyota location and they are claiming it is XXXX 's fault because they built the drive train for the vehicle. The dealership referred me to Toyota help line XXXX to open a case. I have called in XXXX times and even sat on hold for XXXX minutes to speak with anyone. Nobody has called me back and the operator claims they called me on both my numbers listed but I have never received a call and no missed calls show up in my call logs. I purchased an electric vehicle to be able to save time and money and now all I have is problems nobody can seem to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I found this collection agency on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Other debt) with ERC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX  ,2013   XXXX  I have paid this debt off and the company is still reporting on my credit, I would like for this to be removed from my credit. When I made the payment the company said they would remove this from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I reviewed my credit report through Transunion. I have an unidentified hard inquiry on my file. XXXX Inquiry from XX/XX/2017. I did not authorize this inquire and Transunion refused to remove this from my credit report.

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 11/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VT).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I have repeatedly requested a credit line increase from Capital One over the past two years. I 'm always provided some kind of non-sense reason as to why I 'm being denied an increase - I have n't utilized my credit, I have n't made large enough payments, etc .... I believe that Capital One is acting in a retaliatory manner by denying me a credit line increase because I 've filed several CFPB complaints about this issue. 

I am not able to take advantage of the balance transfer offers available on my account because I do not have enough available credit on my account. I simply want a credit line increase to {$12000.00}. I am employed full-time, I make a good salary, I own my home, I make all my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XXXX Report,XXXX when I went online to get a copy of my FREE rejport I put my information into the system several times without success, even thought I know for a fact that I put the information into the website correctly it would n't let access the information. I had to call a number which told me to To call a number and say my name and address, and it would be mailed to me in the next few weeks are you kidding? I need the information for something with my attorney. Then when it finally arrived I received a letter that said they are going to charge me {$8.00} for their error??? this was puzzling. This next thing is very important and needs Consumer Finance Govt. to look into why they are allowing this to happen when we are having such a FRAUD problem with reports all over the world ... 
XXXX This phone numbers have Absolutely nothing to do with the very sensitive information that is connected to our reports and should IMMEDIATELY be removed. When you call them the start telling you about gift cards and XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX, the company named Debt Recovery Solution sent a notice ( dated XXXX XXXX, XXXX ) attempting to collect a debt for a XXXX bill from XXXX. The notice did not elaborate any further. I immediately responded in writing and advised I did not owe such a debt. I requested that the company either cease collection efforts against me or provide proper proof that the debt belonged to me. 

I have received a response from Debt Recovery Solutions dated XXXX/XXXX/XXXX with what they claimed was proof the debt belonged to me. It is clear from the documents that the debtor is a different person with a similar name. I have responded a second time in writing to advise this is not my debt and the wrong person is being pursued. I again requested for Debt Recovery Solutions to cease collection efforts against me. 

Debt Recovery Solutions failed to do a proper and minimal investigation. The documentation this company has presented is for a person with a similar name that resides is a different state. Had the company properly verified my residential history, date of birth, or any other pertinent personal information ... it would have found that they erroneously associated me with this debt. 

As a result, I have been falsely accused. I have invested many hours of my time to respond and defend myself. I do not want this company to falsely associate me or my credit with this debt. I wish to file a complaint against Debt Recovery Solutions LLC for their improper and unecessary attempts to collect this debt from me.

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have had inaccurate reporting on an  XXXX  charge account for over 6 months now and the credit bureaus still allow the creditor to report the account status as " delinquency 120+ '' and it has been dampening my  credit score. I working hard to buy my wife and daughter a new house but the h ome loan company says my scores are too low and in fact dropped from a  XXXX  as my mid score down to a  XXXX  and the only thing derogatory that changed was SYNCB report  XXXX  the derogatory remark. I do n't know what else to do we 're suppose to close on  XXXX  and these companies have all the power to affect such a large part of our lives. I have made mistake but for this to keep affecting me the way it has seems very unfair. I also had a loan taken out by in my name that the bureaus still have not taken off even after the police and other government site provided me with everything to hand over and I did now i had to pull the account out of dispute status so FHA will approve us but that i can deal with later. Im desperatley trying to get the ccredit bureaus to delete the delquency states and negative remark so my score and report will reflect accuratley. I made some notes on a credit report which I have uploaded. I 've tried disputing the account atleast 3 times.

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 04-05-2015 about Credit reporting () with First Data Corporation (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Telecheck recently reared its ugly, and lying head again. This time XXXX Ran my account through both XXXX and Telecheck, and negative information was reported. I have filed XXXX LAW ENFORCEMENT REPORTS, COUNTLESS AMOUNTS OF AFFIDAVITS THEY HAVE DEMANDED AND AS RECENT AS A WEEK AGO THEY CLAIMED THEY DELETED IT. AS OF FRIDAY, THAT WAS UNTRUE. I AM SICK OF IT

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was told I could settle for {$360.00}, or had the option of paying {$400.00} and they would remove the collection from my credit report like it had never happened. The collection was reported as settled for less than full amount and when I called to get it corrected I was told they had no record of the extra {$40.00}. When I asked to speak to a supervisor, I was hung up on.

Company response to consumer: Closed with explanation