milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I woke up in this nightmare today 's date is XXXX/2017 I had 2 checking accounts with Bank of America yes the funds were low in both accounts but that was n't the issue I woke up and there were 2 check deposits I did not do 1 for {$2000.00} and 1 for {$4900.00} and who ever did it also change the password to my account and they had access to mobile banking! I called the bank to report is the lady on the other line said, " hold on im checking your account ''. Then she put me on a hard hold for 40 min! Then this other guy came on and Bank of America decided  to close both of your accounts per the customer disclosure you revived when you open the account, he went on to say Bank of America does not have to give an explanation on why they closed your accounts and then he asked me is there anything else I can help you with I told him this was fraud and he said I understand but it was a business direction of what the bank wanted to do! 

Also my friend in XXXX XXXX NM put in {$200.00} in my checking account cash and the teller put in the wrong account number by 1 number and they refused to refund the {$200.00} since they closed my account today they never will give me back my {$200.00}!

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 09-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I transferred my Internet, TV and phone from XXXX to XXXX at the end my XXXX billing period on XX/XX/XXXX. XXXX was installed and working on XX/XX/XXXX. All XXXX equipment was returned to their local store and I have receipts for everything. Now XXXX has deliberately and falsely billed me {$780.00} for XXXX unreturned set top boxes, taxes and for a period after disconnection and XXXX installed and turned collection over to XXXX firms in XXXX different states. This is common billing practice for a firm well known for outrageous customer service that keeps billing and collection actions separate from other services. I 've experienced similar treatment before with XXXX Phone service. But as customers have only XXXX choices. They can get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent the collection agency a complaint letter  XXXX   XXXX ,2017 is the day the credit reporting agency received the letter to investigate a collection account on my credit report named  XXXX   XXXX   XXXX   XXXX  that is wrongfully being reported. It has been more than 30 days and I still have n't received a copy of the results. The file I submitted is a tracking for the letters sent.

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 01/31/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I took out loans through Sallie Mae between XXXX XXXX and XXXX XXXX totaling around XXXX dollars. I graduated in XXXX XXXX, jobless, and soon started receiving harassing phone calls from Sallie Mae ( Upwards of 3x a day ). Sallie Mae also called many other associates of mine - from my neighbors to my sisters. I tried to reason with Sallie Mae multiple times during the time of my unemployment ( XXXX XXXX - XXXX XXXX ) and was told that all XXXX of my loans could be deferred for 3 months at XXXX dollars a piece, which surpassed the amount for my student loan payments. Being without a job, I could n't pay anything. I now owe XXXX to Sallie Mae ( XXXX more than I originally borrowed ) and my student loans have been transferred to a collection agency ( XXXX XXXX. XXXX took over my loans in XXXX of XXXX and have added XXXX dollars in fees over the course of XXXX months. They even went as far as to tell me they would repossess my mother 's house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am one of the Equifax victims. I do n't know when my report was breached, but they report it was. So, now I 'm stuck with my identity being out there.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have been a victim of identity theft with multiple accounts and a tax return. I have reached out to this company notifying them of such and have completed their identity theft paperwork but it is still on my credit reports. I have not heard anything back from them in over a month since I sent the paperwork with police report included. This account is negatively affecting me on all three bureaus and the amount keeps changing between XXXX and XXXX something owed for this fraudulent account. I did n't even have a license or a permit when this account is being recorded as being opened.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (OR).
Issue: Confusing or missing disclosures

Complaint: On XX/XX/XXXX i attempted to use my paypal credit account to pay for a subscription to the online tutor service XXXX.
Paypal neglected to disclose that some merchants, including course hero, may accept paypal, but not paypal credit.
Subsequently, i was charged XXXX to my paypal account. Had I been aware that XXXX did not accept Paypal credit, I would never have made this purchase. I called Paypal seeking rectification and / or dispute on three occasions throughout XX/XX/XXXX. Each time I was put on hold for upwards of 15 minutes before reaching anyone, each time I was " assisted '' by an individual who spoke too quickly or barely understood English at all, and in the third attempt I was placed on hold " while the agent looked into reversing the charge '', whereupon I was unceremoniously hung up on by said agent.
I have sent emails to paypal through their customer service section no less than six times. The first was a formal dispute of the charge, which paypal refused with no explanation other than " your request does not fit our description of a dispute ''.
The remaining 5 were increasingly-angrily-phrased demands for them to take responsibility for their failings, and ultimately to terminate my account with no further moneys taken from me.
Paypal 's responses to me consisted of an automated " we will contact you in 24 hours '' email ( which they have yet to follow up on three days later ), and a mailed notice stating I had been turned over to a collection agency.
Paypal also committed a violation of the truth in lending act when they decided to forgo completing a purchase I attempted through my Paypal credit account in favor of charging late fees and finance fees to my account. I attempted a purchase when there was more than enough available funds on the account, XXXX XX/XX/XXXX ; Paypal did n't even bother processing it, seeming content to twiddle their proverbial thumbs and then slap XXXX of fees onto my account on XX/XX/XXXX, which they then proceeded to refuse to reverse despite admitting fault for mishandling my transaction.
All attempts at remediation and / or contact with paypal have failed ; their phone systems are a robot-ridden maze of uselessness and their email systems are laughably automated. It 's a wonder anyone has ever gotten through to them at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: EXHIBIT A - herein annexed Personal information, page 25 of 26 of Experian credit report number 1 XXXX , Dated  XX/XX/XXXX  showing PO BOX address with an Address identification number  XXXX  linked to   XXXX   XXXX   with the same address identification.
<P/>
On  XX/XX/XXXX ,  XXXX  credit card representative and that persons supervisor,  XXXX , denied any PO BOX address in their records, therefore, they can not report such PO BOX to anyone.
<P/>
As a result, this PO BOX address must be removed from ALL credit reporting agencies.
<P/><P/>
EXHIBIT B - herein annexed Account in good standing page 20 of 26 showing   XXXX   XXXX   with the same Address identification number  XXXX  that establishes a link between PO BOX address and this credit grantor,   XXXX   XXXX  .
<P/>
On XX/XX/XXXX ,  XXXX  credit card representative and that persons supervisor,  XXXX , denied any PO BOX address in their records, therefore, they can not report such PO BOX to anyone.
<P/>
As a result, this PO BOX address must be removed from ALL credit reporting agencies  .

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 03/26/2015 about Debt collection (I do not know) with Global Credit & Collection Corporation (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Company called my employer regarding me, and left a message identifying them as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: NOT AUTHORIZE INQUIRY EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, IL XXXX XXXX FCU XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX / XXXX XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have experienced several financial hardships during the past several years although from being out of work or experiencing the death of a loved one. I have continuously ask for help and during the past two years have submitted at least eight to ten modification packages for any kind of assistance. However, every last package was denied and some probably without review. Not being able to receive assistance I had to file a chapter XXXX to avoid foreclosure. Even after the bankruptcy I have asked for help and once again denied any help. The bankruptcy and mortgage payments on top of my other bills have left me in a desperate situation and facing being homeless. During the past few months, I have been in contact with a single point person from Santander Bank ( XXXX XXXX ) to ask about other options. XXXX called me basically every week which made it appear as if she was really trying to help me come up with a resolution. However, I was wrong and as soon as she convinces me to put in a package for a deed in lieu to surrender the home without penalty, XXXX then expresses to me that I could receive up to XXXX XXXX dollars to relocate ... the option sounded good so I submitted the package. I have not heard back from XXXX and I just received a letter ( motion ) to drop the Chapter XXXX because of non-payment. XXXX was being deceitful and knew that there was no chance for me receive any help with the mortgage. XXXX called me on a weekly basis to pretending to be concerned about my situation but only wanted me to write a letter to surrender the home and knew that I would not receive assistance.

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 05/26/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Payoff process

Complaint: I have a Bank of America Visa card. I had a balance of approximately {$18000.00} at 16 % interest I used the remaining available credit for a balance transfer offer ( 18 months zero interest 4 % transaction fee ) Now the bank is telling me that my minimum monthly payment goes first to pay down the principal of the lowest interest. In fact my payment does not even go first to pay the interest I 'm being charged on the high interest balance, that interest is being added to my principal each month. This is a deceptive practice. Please help. Payments should be applied first to interest being charged on an account, then to the balance subject to the highest interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XXXX XXXX Technician replaced equipment at my home and left the old equipment there, the technician stated Fed X would deliver a paid shipping box I could put it in and send to the XXXX office. No box showed up XXXX auto charged my credit card {$460.00}. When I inquired why I had been billed for the equipment I was told I had to physically bring it to the office, I would receive a receipt and be refunded the {$460.00}. I returned the equipment and was given a receipt but was not refunded the money, I attempted several times to attain the refund over 30 day period without luck, in the end I disputed the charge through my credit card company. They in turn worked with XXXX and ended up reversing the charges, crediting my credit card the {$460.00}. Shortly afterwards I got a call from a collection agency trying to collect the debt. Then I spent the next 2 years dealing with them, they reported the debt to all three credit reporting agencies, then I disputed, the credit agency verified, and it was removed from my credit file. Then another collection agency called to collect the same debt, I explained and they still attempted to collect, sent them a letter requesting they validate the debt, never heard back from them. Now, XXXX, another collection agency, IC sytem is trying to collect, I have spoke to them on the phone and sent letters requesting they validate the debt and provide me the information. They are saying they have no record of my letters and are basically giving me the run around. I told the person on the phone they had bought a bad debt that did n't exist, she told me IC Sytem does not buy debts to collect on, that they only work for the original debtor. I told them I did not believe that because I have had and presently do have XXXX service, have never even been late on a payment, account in good standing. I think if there was a problem I would have heard from XXXX, seen it on my monthly statement, and if not paid my service would have been disconnected.

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 11-01-2017 about Mortgage (Other type of mortgage) with Hypotec Inc. (NY).
Issue: Applying for a mortgage

Complaint: I received a very deceitful mailer for a VA loan from a private company, Hypotec. It had the following features which would lead a reasonable person to conclude that this was not an advertisement : - The outside of the mailer opens like a check ( having to rip the tabs off the side ) - The outside says " Escrow Refund Benefit Allotment Notice '', leading one to believe there is a refund check enclosed - Inside, the document is nomenclatured as " VA-1211 '', like an official government VA form - Inside, header in big bold letters reads " UNDERSTANDING YOUR VA BENEFIT STATEMENT '' - Inside, phrases like " Your Economic Benefit '', " Benefit Allotment Notice '' and " Beneficiary '' are used in bold - Other features of VA official mailers are also used, such as notice numbers and notice dates in bold at the top - Disclaimer information in the letter is many times smaller than the rest of the associated font Any one of the features, in and of itself, is not fraudulent. However, together they show a clear intent to mislead Veterans into believing that they have received some sort of official communication. Veterans are often waiting desperately on official communications from the backlogged VA for basic medical needs and financial security. This type of advertising is cruel and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Debt collection (I do not know) with Element Global Services (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Debt collector agent from Element Global Services continually calls me looking for someone I do not know. I have had this phone number for 30 years. They tell me they 'll remove my phone number but in a few weeks I get another call. The police department tells me he lives in the same town and they know who he is. This time the agent asked if I was his mother.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (WY).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of 2014, we fell behind on our mortage payment with Seneca Mortgage Servicing, LLC. They stated we were 2 months behind after returning a month 's payment stating they will only accept the entire amount due, which was approximately {$2400.00}. Prior to this, they had sent someone to our home representing Seneca, took photos of the outside of our home & left a notice that they plan to begin the forclosure process. We contacted them the next day ( XXXX 2014 ) and they initiated a repayment program where we would put {$1200.00} down and add an additional {$200.00} a month to our mortgage payment for the next 6 months, which we did complete. On the 7th month, we called to make our payment and they informed us, we now owed {$3900.00} & were still 2 months behind. In the interim, they had never sent us a copy of the agreement/amortization despite several requests. The account manager could not explain where my additional {$2400.00} in payments were applied. I demanded a copy of the repayment plan and they sent XXXX they created 5 days after my phone call, which did not have not the original terms and the terms showed what they now claimed was the terms. The agreement phone call should have been recorded and they could obtain the details from that, but have not. The asset manager does not return calls and the account manager asked me to " stop talking '' when I was disputing the issue. There has been no resolution and we are afraid they will be agreessive with forclosure threats again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Mortgage (Home equity loan or line of credit) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My Heloc was transferred from XXXX to Bayview Loan Servicing. I made additional principle payments of {$2900.00} to Bayview but they did not apply any of it to the balance even though it is reflected in the year to date portion of XX/XX/XXXX statement. The additional principle was made during XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Bayview then flipped the Heloc to a company called XXXX XXXX who immediately transferred it to XXXX XXXX Bank. XXXX bank refused to look into my complaint stating that it was not their job to do Bayviews accounting. XXXX will not even respond.

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 WELLS FARGO & COMPANY (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I tried to get a Wells Fargo secure credit card and open a checking account with them but something is stopping me from opening

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 09/26/2017 about Debt collection (I do not know) with ERC (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a request for debt validation to Enhanced Recover Company by return-receipt mail on XXXX XXXX, 2017. The letter was returned unopened and marked by USPS as " Return to Sender, Refused, Unable to Forward ''. This company is reporting a debt {$3300.00} to all three credit reporting agencies. I have no knowledge of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation