milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2016 about Bank account or service (Other bank product/service) with BNY MELLON, NATIONAL ASSOCIATION (KS).
Issue: Deposits and withdrawals

Complaint: I have an HSA with XXXX ( Bank of New York Mellon ). I contacted them in XXXX XXXX to find out how much more I could contribute to reach my maximum contribution limit for XXXX. I mailed in a check and last week received an email from them saying I could add more. Thinking that I had already sent in the maximum, I called them to double check on what was going on. They said that the email should n't have gone out, that the check I recently sent in was too much, and that I would have to pay fee to get everything split up and " reclassified '' to the proper years OR they could reclassify the check I sent in for XXXX to XXXX which will cause me to lose out on my maximum contribution for XXXX. Either direction costs me money and I was trying to be proactive to begin with. The people and policies at XXXX XXXX are criminal and derelict. They purposefully dish out incorrect information in an effort to generate fees and have totally failed at any standard of fiduciary duty.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Problem when making payments

Complaint: During the time frame XXXX XXXX and XXXX XXXX, I took out a loan from Navy Federal Credit Union and received numerous threatening letters when I fell behind on the loan. NFCU asked for the title of my car and I explained that I thought it was a personal loan for the amount was minuscule. NFCU continued to send harassing letters, falsely threatening legal action violating the Dodd-Frank Act. 
XXXX XXXX NFCU was ordered to pay compensation to NFCU consumers. I have contacted NFCU via their main telephone number XXXX, informed them I was a consumer effected by their misleading, false misrepresentation of credit consequences letters, gave my name and point of contact. I also asked the NFCU representative why NFCU did not contact me in reference to the Consumer Financial Protection Bureau lawsuit against NFCU? In the redress NFCU is ordered to pay {$23.00} million in redress to it 's victims.
I am still waiting for NFCU to contact me and pay my compensation for harassing, false, threatening debt collection letters. Today is Saturday XXXX 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 06/13/2016 about Debt collection (Credit card) with Second Alliance, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: calling my family members

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: APR or interest rate

Complaint: I signed up for a 0 % APR interest credit card from Citibank. I was issued an 18 month 0 % credit card in late XXXX / early XXXX. I was given numerous interest fees. I called on XXXX XXXX express my frustration. Citibank stated " they would get back to me in XXXX - 10 business days. '' They never did. I called on XXXX XXXX. And my second inquiry into the fees resulted in stating that I never signed up for a 0 % 18 month interest free credit card.

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 04-05-2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a second mortgage with Bank of America. I called them on XX/XX/XXXX to inquire about payment history dates on XX/XX/XXXX mortgage statement. It showed XX/XX/XXXX thru XX/XX/XXXX as not being paid, I have proof from my banking records of payments. I am aware of being 2 payments behind and was in contact with a representative who informed me that I could add additional monies to my normal payment until I was able to complete my 2 behind payments. Per my phone conversation XX/XX/XXXX, they informed me that my loan was charged off on XX/XX/XXXX, without any prior notification to myself from BOA. BOA 's resolution was for me to make a payment, which I did, and that they can not reinstate my loan. Furthermore, their suggestions were to either settle the loan or make payments which will further continue to have negative consequences on my credit as this will show as a charge off. I am under the impression that before any action like this can be taken against a consumer, that the loan holder would have to notify the consumer of any such action.

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 03-06-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i dont know where all this debt came from i dont own that much of money i know i own debt but that 's too much And these keep reporting to my credit know when i try to get credit card they denied me because of that. i am trying to build up my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TCF NATIONAL BANK (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: merchant name, XXXX XXXX base out of XXXX, they sell financial instrument and offer forex trading currency. bitcoins, this merchant is not register in the usa, they are not allowed to offer any type of services to people residing in the usa nor citizen of the usa and not allowed to accept funds from usa financial institution. they have violated their regulation and defraud me and manipulating documents to scam me. at first I open an account to get electronic currency as they have promise, however they never render any services, they install a robo access for trading with out permission and they charge my bank card from TCF BANK without my authorization. I file a complaint and dispute those charges made unauthorized by the merchant to TCF BANK dispute department and send all evidence include email to cancel services, they have fail to understand the situation and the fraud by the merchant, TCF BANK fail to reevaluate the dispute, they just closed the dispute base on false documents and scam from the merchant, the total amount was taken from my bank card TCF was {$12000.00} plus bank fees of {$340.00}, I 'm asking to please help me to get the money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The students loans I owed for college are paid off in full. My credit report states that I have different student loans, but all were paid. XXXX University in Ohio confirmed they are all paid.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I paid for a private loan under Genesis for a program I attended in an XXXX XXXX that is now closed down. I am eligible for a federal loan settlement due to the campus, program, and year I attended ; it is one of the many that are being sued for giving false information to students about job placement rates since XXXX XXXX. I paid for a Genesis loan, and asides from having been sued in XXXX for high-interest rates and causing 60 % of students to default while going to school, it turns out that from the start students were lied to about the chances of finding a job. I want a refund from this loan and can not get ahold of my private Genesis lender.

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 02-01-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Portfolio Recovery Associates, LLC is not licensed or registered to operate in my state which is a violation to the laws in Wisconsin. I did not sign a contract with this company, and have been trying repeatedly to get them to remove their accounts off my credit report, to no avail. I feel harrassed/

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 EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Back in XXXX I sent letters to all 3 credit Bureaus asking them to provide some proof of an XXXX XXXX XXXX bill in the amount of {$2000.00} showing on my credit report ( that does not belong to me ) or to remove within 30 days. I received notifications and updated credit reports from all 3 bureaus showing they had deleted the account in the amount of {$2000.00} being reported by XXXX XXXX XXXX XXXX XXXX XXXX. I am in the process of trying to purchase a home and now they have reinserted the unidentified account that does not belong to me back on all 3 of my credit report 's but this time it 's with a New Collection agency called XXXX XXXX. I never received any notification 5 days prior stating they would be reinserting items that were deleted back on my credit report. Please delete the XXXX XXXX XXXX bill in the amount of {$2000.00} from all 3 bureaus XXXX, XXXX and Equifax as they are violating the law by not notifying me within 5 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Present landlord has a Writ placed in court records, which is also showing up on my credit report. I am XXXX and my son is XXXX as will. This landlord constantly keeps my name in the courts. It 's not that I do not pay my rent. My rent was late due to an error by SSI two times both times I had documentation showing the circumstances. Do to the stress I felt, I asked this landlord to let me out of the lease. I explained to him that I had found affordable housing and I was given a XXXX discount my rent would have only been {$450.00}. The landlord told me he would not let me do it, that he would mess up my credit. I have been fighting with landlords since I have been in North Carolina. Not all are bad, however they can make life unbelievable hard to live, when you need Good housing for my son who is XXXX. And they do not care who much money they take and rob you of. Enclosed in my complaint is the XX/XX/XXXX. My lease is up XX/XX/XXXX, I paid XX/XX/XXXX rent. So I am still a tenant at XXXX XXXX XXXX. 
Sincerely, XXXX XXXX XXXX rent was paid on time XX/XX/XXXX, File No. XXXX Date of Judgement was XX/XX/XXXXDate Writ Issued. FUNNYBUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (FL).
Issue: Closing on a mortgage

Complaint: In 2009 my grandmother obtained a short sale home for 5 % of {$140000.00}. She learned about reverse mortgage from the tv ads we have all seen about them claiming no payments, you can live in your home comfortably, and they are government backed ( being government backed is part of their deception, it 's not a government program like grants, or cash for clunkers, it means absolutely nothing, they sold our debt to XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX claimed to be the original debt holder. ). The dvd they gave to explain their service says reverse mortgage is for people who want money ( i still have it ). What this company did was give an itemized sheet that says the principal amount was {$150000.00} and points out they will pay the old mortgage and even provide money for repairs. The closing papers mention a loan amount for {$270000.00}. That is a difference of {$120000.00} that no one in my family has seen a dollar of, but they ruined my grandmother 's credit for {$270000.00}, which raised the property taxes of the house to $ XXXX/year, the next door neighbor pays {$1500.00} and is n't even old enough for homestead. If the house was just short sold for {$140000.00}, which is the value, how could they take {$270000.00} from the house is a mystery. But let 's say the house is worth {$270000.00}. Normal banks offer 70 % of the value of a house which is {$190000.00}. So that would mean my grandmother had about {$52000.00} of accessible equity in her home. But instead they kept every penny, raised the taxes, paid the taxes that we could n't pay with money they stole, while charging us interest. They used this to say we were in default. We submitted a bankruptcy and the trustee worked closely with the mortgage company, the trustee even went as far as lying, and changing documents when we have transcipts to prove what they have done. The company is RMS ( Reverse Mortgage Solutions ) and the lender is XXXX XXXX XXXX XXXX. When we asked for relief, they told us they would accept no less than {$140000.00}, but remember they gave us no money and are holding {$120000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Medical debt) with First Federal Credit Control (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: First Federal Control shows up on my XXXX credit report several times as my owing them funds that was discharged in a chapter XXXX bankruptcy. 
Please see that they also show up as unknown just to report to the credit bureau, XXXX, to make my life horrible. 

Section 609 of the CFRA states that the only debts that should be reporting on my credit report are those that have been accurately verified. 

They should not be showing up at all as this debt was dismissed via a chapter XXXX bankruptcy back in XX/XX/2015. 

Also these are unverified debts which have also exceeded the statutes of limitations for the state of Ohio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The car was returned on XX/XX/XXXX and the last payment on the lease through XXXX or XXXX XXXX was made on XX/XX/XXXX and the receipt along with the California DMV are attached to this showing the last payment made on XX/XX/XXXX and the car changed title on XX/XX/XXXX. the account number is XXXX with XXXX XXXX XXXX and my name is XXXX XXXX XXXX. 
So first the account needs to show closed on XX/XX/XXXX and secondly there ca n't be a past due at all for XX/XX/XXXX as all of the lease payments were made prior to lease end on XX/XX/XXXX. 
They are trying to show a late for {$36.00} for something that is not a payment but a milage assessment that was done after the car was submitted and we did n't even get the bill for the difference until well after so the late needs to be removed for XX/XX/XXXX. 
XXXX/XXXX when I spoke with them told me that they were sending a letter to the bureaus to remove the late which was incorrect in XX/XX/XXXX but that still has n't happened, and they would not provide me a letter. 

Trying to get a re-fi and this false late is causing problems, and XXXX/XXXX needs to get this removed now from all 3 bureaus for XX/XX/XXXX and I was never late on the account. 

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 09-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RS Clark and Associates, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The credit reporting agencies allowed a merchant to file a negative report against me without any valid evidence. I explained to the merchant that I have never lived in their apartment complex. After failing to convince them that I was not a residence and that I own a home, I ask for a lease contract with my signature and was send an itemize bill with my name typed into it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (PR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXX I received a letter from Portfolio Recovery trying to collect an alleged debt of XXXX that is not mine. I called inmediately to the phone number provided to inform that there was an error because that debt was not mine. I talked to an operator named XXXX and gave me the address to write to the dispute department. I inmediately disputed the alleged debt and they send the evidence they have that consisted of some copies of statements that are not mine. The statement is from a person named XXXX XXXX who lives in XXXX, Florida. I have always live in XXXX XXXX and my full name is XXXX XXXX XXXX XXXX. I called and wrote Portfolio Recovery disputing the debt and they refused to accept the information given, after receiving various letters and unwanted phone calls I decided to send them a certified letter telling me to stop writing and calling me. After I sent that certified letter in XX/XX/XXXX, Portfolio Recovery in reprisal notified credit companies in XX/XX/XXXX that I had a alleged debt which is not true and affected my credit score from XXXX went to XXXX. I want this information to be removed from my credit report because this alleged debt is not mine. The information given by this company is inaccurate and false.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Payday loan, title loan, or personal loan (Installment loan) with SCOTT FETZER FINANCIAL GROUP INC (NH).
Issue: Problem when making payments

Complaint: I am trying to get detailed information regarding missing payments to this account, XXXX x XXXX UNITED CONSUMER FINANCIAL SERVICES Account # XXXX. 
I have sent Emails on XX/XX/XXXX and XX/XX/XXXX, and have spoken to UCFS on the phone on XX/XX/XXXX, XX/XX/XXXX, and twice on XX/XX/XXXX, in every instance I have been refused the information I requested. 
I simply want information regarding the payments I had made ( verified, processed, posted, and reflected in my account balance ) that have disappeared. 
They claim they do not have that information and can not supply me with any explanation other than that they were reversed. 
If that was in fact the case, they are obligated to provide me with detailed written statements FROM the Federal Reserve of the reversals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XXXX a check was submitted for withdrawal for {$1400.00} leaving a balance of {$300.00} however it was returned. A fee of {$35.00} was taken from my account leaving a balance of {$300.00} on. XXXX/XXXX/2016. 
On XXXX/XXXX/2016 it was returned back into account leaving a balance of {$1700.00}. 
It should have never been an insufficient returned check nor charged.it was embarrassing. To have my first months rent returned when the money was available. 
I would like my {$35.00} returned into my account.

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 01/29/2018 about Debt collection (Medical debt) with Kinum, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not owe this debt. I am seeking legal council for this collection attempt.i paid at the time of the service in full. I feel like they are just asking for more money now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX See current reporting statements below on XXXX and XXXX  Reports from XXXX XXXX site. Many inaccuracies reported.. Reports different information to different bureaus. Experian not available. 

Line of Credit {$8000.00} ... Correct. Incorrect states I owe almost {$18000.00} for excessive interest and fees. How? Account has been closed for years. 

Reports to bureaus 3-4 times XXXX, no report XXXX, or XXXX and now reporting again XXXX. Same company Reports no past due On one bureau shows none due as minimum payment '. The other bureau owes monthly minimum payment {$9900.00}. ( yes, this is not a typo ) Acct open XXXX and Last Payment XXXX ... probably correct. 

-- wife loss job in XXXX ( not her acct ) and I have not worked since XXXX both of us are XXXX, Company has called leaving various voice mails not disclosing they are debt collectior on my wife 's cell voice mail. Last call XXXX left message stating they were XXXX XXXX ( not giving name of their company ) and calling about a claim ( no mention of debt collection on voice mail ). She called back about claim and what was this about. Talked to my wife about my account without my permission. She is not a co-borrower on account. Threaten my wife to seize my XXXX and wife ; XXXX XXXX by freezing our bank account so we couldnt pay our bills so they are paid..We dont own home, do not own vehicle. We have no savings, This company XXXX XXXX XXXX State and Federal Laws -EOCA -The Card Act 2009 -Fair Credit Reporting Act Predator Credit Card Lender. Sent revisions to terms and said you automatically agree or pay account off in full.

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