milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2016 about Bank account or service (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: I used the change machine in my local bank to deposit some change into my bank account. I put the change into the machine and got a claim ticket to redeem and deposit into my account. The lines were excessively long and I did not have time to wait to redeem the ticket for cash. I am now trying to redeem the ticket with the bank for the cash I deposited in the machine, but they are refusing to honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Loan was taken XXXX for original amount of {$5400.00}. Payments began the year of graduation in XXXX. Capitalized interest was added to the loan ( approx. {$2700.00} ). Monthly payments of approx. {$90.00} have been made for over 8 years. The balance as of today is {$5600.00}. Information on website says loan will be paid off in XXXX. This seems outrageous. I feel like this is a bad loan and needs investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i have attempted to take care of this matter with this company who has listed a fax number that is operating with the number XXXX it is listed with the XXXX and i have a confirmation of the fax that has been sent to them outlining my social / drivers license / police report / id theft affidavit in previous complaints this information has been attached but this company has ignored the documents via previous submissions to consumer financial protection bureau and their OWN fax number ... ... .... at this point i am very concerned with their denial of the documents that have been sent and will possibly be seeking an investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Asked for validation of this debt and they sent me info from an online payday loan company with no signatures. Just typed information with my name on it. That is not Validation nor is it proof that this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Medical debt) with Carter-Young, Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Opened XX/XX/2014 ( 3 yrs, 11 mos ) Account status Open Type -- *** Not my debt *** Identity Theft ( plus )!!! Collection agency is harassing me!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Other debt) with CONTRACT RESOLVE GROUP LLC (MD).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I got a call from these  XXXX , stating that they were looking for my EX who I do not speak to anymore about a debt he owes from his business dealings. They have threatened me to continue to harass me if I do not get my ex to call them. They have also contacted my daughter 's cell phone. I have made it clear that I can not help them, however the   XXXX    keeps harassing me. This should be illegal for him to threaten me over text messaging and to continue to call and text my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (GA).
Issue: Using a debit or ATM card

Complaint: It was about XXXX prepaid debit card .I was so frustrated and XXXX off at the same time. It has been since XXXX wk and XXXX day. XXXX XXXX who owns XXXX debit card informed us that computer system glitch and transition failure and apologized for messed up upgrade system. Where is my {$500.00} that suppose to deposit into my XXXX card fund last Friday? I found out that my money is gone. I supppose to moved out another XXXX XXXX security deposit {$250.00}, storage, and XXXX. No money at all at my debit card. You can find on website of XXXX XXXX and will tell you what happened. There are XXXX customers file an compliant or griveance against him.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Opened new credit card for my son, XXXX/XXXX/XXXX, XXXX credit score provided at account opening was XXXX. I made NO CHANGES nor requested ANY changes regarding my existing credit card that had my son as authorized user on. Unknown to me and without my consent, the SunTrust account representative, converted my historical " paper statement '' from account opening over to " e-bill '' statement resulting in me not receiving any bills. The fact that I did n't get any statements, again not knowing any changes had been made, resulted in the bill being late. Once a delinquency notice was received the money was immediately transferred over that day as ample funds ( large deposit balance ) was in the SunTrust Checking account, therefore zero reason not to pay other than SunTrust illegally, unfairly, and deceptively changed my periodic billing statement over to e-bill without authorization resulting in my receiving no bills. SunTrust did refund the late payments assessed but that was the minor fix, they have ruined my son 's credit score and drastically impacted my nearly perfect credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Back  in   XXXX   XXXX   2 016      XXXX   XXXX   posted negative information on my credit history. I disputed with Equifax and the other  XXXX  credit reporting agency o n   XXXX   XXXX  , 2016, a nd the negative information was removed from my account o n   XXXX   XXXX  , 2016. E quifax gave me a confirmation #  XXXX  after deleting the negative information.   Afte r one year  the same negative information reappeared under different collection agency (  XXXX   XXXX   XXXX   ). Eq uifax did not send me any letter and did not help me remove the negative information. The amount in dispute is {$170.00}. All the credit agency also have many wrong addresses on my file. I was told I can not do it online but I have to call them. When I call the number provided, they phone keeps disconnecting and unable to reach a customer service rap. I never lived at  1 )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Colorado  XXXX   2  )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX   3  )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XX/XX/XXXX I received notice that XXXX had experienced a data breach and information was compromised. On XX/XX/XXXX and XX/XX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX and several XXXX XXXX and XXXX inquiries were located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX, XXXX XXXX, and XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit cannot be pulled without my authorization and that has not happened. If you take a look at my record these derogatory items keep appearing on my credit report. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter 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
Consumer complaint received 04-08-2015 about Debt collection (I do not know) with Financial Credit Service, Inc. (DE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The name used is A RA FINANCIAL but when you answer they hang up. When I did a reverse number search, the complaints submitted were troubling. I will put the number on my block list but even the complaints have said this company gets around that, XXXX person even stated that they had her husband 's SS #. I 've had identity thief issues in the past and now I worried that this may happen again. It took me along time to get those issues resolved, I ca n't afford another situation like this.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am filing this complaint because TransUnion had a computer glitch that caused my inquiry to be deleted and then they later re-added the inquires without providing me with the legally required written notice five business days of the reinsertion ( FCRA Section 611 5 ( b ). I contacted TransUnion and spoke with several customer service representatives who were able to confirm that the Security Breach happened not once but twice in XXXX and XXXX. With good faith, I asked them to have the inquiry removed due to it being illegally re-added. However, they refused to fix their error on my credit report. I asked to speak with someone in the Special Handlings department and was left on hold for 45 minutes just to be hung up on. This is suppose to be a respectable Credit Reporting Agency yet they are violating consumer rights and victimizing us. This company should not be able to get away with this.

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 10-10-2016 about Debt collection (I do not know) with Harris & Harris, Ltd. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continually get robo calls with the message " Hello, this is Harris and Harris limited. We are debt collectors. Please call us at XXXX XXXX XXXX our office is open Monday through Thursday from XXXX To XXXX Central standard time Friday from XXXX To XXXX Central standard time and Saturday XXXX To XXXX Central standard time. Thank you. '' I do not have any outstanding debts and the caller does not address me by name. This appears to be phishing scheme to capture my phone number for further harassment. How can these calls be stopped. I have been on the Do Not Call list for nearly ten years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Credit card) with Financial Credit Service, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Asset Recovery Associates contacted me stating they were going to sue me and place a lien on my credit card for a fraudulent credit card debt that was opened when I was XXXX. Informed that I 've already disputed it and had it removed from my credit report almost 10 years ago. Informed not to contact me anymore and asked the representatives name. She would n't give me her name and I told her to have her collection agency remove me from her list. She informed me she was n't a collection agency. Used harassing and offensive language and said she was going to call my work. Informed I could n't get calls at work and she called anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Student loan (Federal student loan servicing) with United Student Aid (USA) Funds (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have time periods on my credit report where this student loan is being reported as late. I 've never been late on payments and recently paid it off. When I was not actively making payments, I was in deferment. I contac ted USA Funds to resolve the issue and have yet to receive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Debt collection (Medical debt) with Credit Bureau of Jonesboro, Inc. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The collection agency is named XXXX XXXX  XXXX. The original creditor is XXXX XXXX XXXX. I have no knowledge of this debt and have tried repeatedly to contact the collection agency and never got a response back. The date this was supposedly opened was XX/XX/2011

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Bank of America has told me that this account is linked to an account in my wife 's maiden name 2 years after she was married and claims I lived in XXXX XXXX Virginia. I have never lived in XXXX Virginia, so Bank of America can claim what it wants but on XXXX XXXX of 2016, my lawyer will start the lawsuit paperwork and when I show up to court with federal records stating these XXXX facts, I will not settle but I will be going for the maximum amount for damages against me and my company. Final warning and no more complaints after this.

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 01-01-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo 's online mortgage payment system would not accept my payment for several weeks. Since there are no physical locations in my state I was forced to make my payment using their automated phone system, which conveniently for them assesses a {$6.00} processing fee. 

In essence I was forced to pay a fee for the convenience of making my mortgage payment.

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 07/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Evans Law Associates, P.C. (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: An entity known as Evans Law Associates is threatening legal action against me on a debt I do not acknowledge dating back to 2007. 

I have asked verbally for them to cease and desist. I have also asked for their mailing address which they refuse to provide. 

They are also harassing family members who are not affiliated with the debt in question whatsoever.

Company response to consumer: Untimely response
Consumer complaint received 07/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for assistance in saving my home and was denied assistance back in XXXX 2015. My servicer is SPS and I believe they were missing some of my income as the amount they used in that review seems incorrect. I have recently submitted updated financial information via my attorney ( XXXX XXXX, 2015 XXXX and I believe I qualify for a loan modification to save my home. However, SPS has set a sale date on my property for XXXX XXXX, 2015. I am worried they will not post phone my sale date and I am asking for the help of the Consumer Financial Protection Bureau in asking them to allow me to be reviewed for assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: I received an unsolicited XXXX from CpaitalOne few days ago. I called and asked that the card be cancelled. I was informed that I have been the subject of identity theft. IO was told that someone opened a checking account at CapitalOne ( online bank ) using my identity and hence a debit card was issued to me. I was advised to check all my accounts to make sure that there has n't been any un-authorized activity, call and write to the XXXX XXXX rating services and file a police report. I am in process of doing all that. 

Given the recent news about XXXX Bank, I would like the CFPB to investigate that CapitalOne ( online XXXX bank is also not opening up unsolicited bank accounts and issuing unsolicited debit cards. perhaps many if not all the large banks are doing the same but only XXXX got caught.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: GREEN TREE SERVICING, LLCI received a " Your Mortgage is in Default '' letter XXXX XXXX of them to be exact ) due to XXXX missed payments, but I have the bank statements to prove otherwise. In the meantime, I have storm damage and awaiting their endorsement of my homeowner 's insurance draft in order to complete repairs XXXX which includes mold growing in the walls ) that they have yet to return. How does this company have a license to stay in business? They have been doing this for years and nothing ever happens to them. I had no control of them taking over my mortgage and would have protested that had I been made aware of the sell of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I need Navient Corporation to tell me how/why I have paid them over {$18000.00} in interest on a {$31000.00} loan and my balance has still not gone down. I was set up for automatic payments and was NEVER late for a payment ... I paid on time for years! I submitted a complaint a few weeks ago and Navient 's response was that they were " unable to speak about servicing that occurred on the loan after XXXX XXXX, 2015. '' I need to then to speak on what happened with ALL of my loan payments that happened PRIOR to XXXX XXXX, 2015. 
I am now in forbearance because I can not afford to keep shelling out money and my balance not go down. This is ridiculous and has to be illegal!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Adler Wallach & Associates, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had rented car from XXXX @ the XXXX around XXXX on XX/XX/2016 and had returned around XXXX on XX/XX/2016, after filling gas at the XXXX gas station in XXXX just before returning the car ( I submitted the gas station charge as one of the proofs ). I then went to the front desk requesting that the charges be split between XXXX of my XXXX cards ( because I had promotional offers on XXXX cards ) but the woman there was rude ( they should have a recording of that in their security camera ) and said go call the customer service regarding that. So I spoke with customer service around XXXX ( they should have a recording of that as they do it for " quality '' and training purposes ) while on XXXX to the terminal, as I had a flight to catch after checking in my bags. However I was advised to go speak to the personnel at the counter, since it was within 48 hours of return. So I decided to call them back after 48hours and went to check our bags in at around XXXX. After that we proceeded to gate past the security the security check as our flight was at XXXX ( I provided boarding pass and bag tags for proof ). We reached XXXX and took XXXX back home from the airport ( submitted receipts for that as well ). 
Following morning, I had to fly to XXXX ( submitted my ticket XXXX and taking XXXX rides in XXXX as well for proof ). However XXXX claims that I returned the car only around XXXX on XX/XX/2016, which is a not true and charged my credit card that additional amount. I contracted my credit card company and they refunded me that amount, but XXXX has been harassing me for that amount.

Company response to consumer: Closed with non-monetary relief