milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Payoff process

Complaint: I have a credit card with Bank of America. I have had this card for quite some time and there are multiple balances with difference interest rates on this card. I thought if I made a monthly payment that is higher than my minimum payment due then that extra amount would be applied to the balance with highest interest rate first. But they are not doing this and I asked about it and was told that this is not how they distribute the extra amount that is paid over the minimum due. But I thought this was a regulation in the CARD Act. Am I misinterpreting the law?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NE).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This matter involves credit card debt with Capital One Bank which was referred to XXXX XXXX for collections. Capital One Bank had my correct address as bills were sent monthly to me. Once this was referred to XXXX XXXX they used an old address where I have not resided for years. When this was sent to the old address it was opened by the occupant at that address who in turned contacted me about the letter, debt and what it was about. This resulted in great embarrassment and XXXX. There was no reason for this to happen and I believe that corrective actions need to be taken, including fines and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Bank account or service (Other bank product/service) with BNY MELLON, NATIONAL ASSOCIATION (OH).
Issue: Using a debit or ATM card

Complaint: My issue is that there are several debit transactions to a XXXX binary options broker that turned out to be fraudulent. The merchant, that is, turned out to be fraudulent. It is illegal for this merchant to do business with United States citizens unless they are regulated and licensed with the CFTC. They are not regulated or licensed with the CFTC, but the merchant lied to me and said that they were. I only found out they were fraudulent when I tried to make a withdrawal of my funds and instead they locked me out of my account. The merchant stole my money! 

I originally filed a dispute for these transactions as unauthorized transactions because the merchant was n't authorized to do business in the United States. Therefore, I thought that 's how it needed to be filed. I should have disputed under a different category. Regardless, I do n't think there was too much investigating into my case. 

They also closed my account for filing a dispute!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Credit card) with Capital Management Services, LP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter over the mail from a debt collector stating I owe {$900.00} I do n't know where this amount is coming from so I would like to dispute it I 'm enclosing my debt dispute letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: We received a notice via email this morning that our terms had been changed for us from a payment of {$110.00} to {$780.00} /month. No previous correspondence had been received via mail or email. The Navient customer service was unhelpful in providing a reasonable resolution that would make this oppressive payment something my family could afford.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I sent a letter of Validation on XX/XX/XXXX I have not received any response from this company. I have attached the certified letter that they received on XX/XX/XXXX. I also fax and e-mailed this company the same letter that is attached with still no response. This company should not be allowed to report information on my husband and my credit that has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Mortgage (FHA mortgage) with LoanCare, LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I was off work for several months due to a medical issue causing all of my bills to be past due including my mortgage. When i called to make a payment to attempt to reduce the delinquency they refused to take a payment unless i scheduled 2 payments since i was past due. I scheduled the 2 payments in XX/XX/XXXX letting my utilities go which lead to them being turned off. i need to make the full payment on the utility to get the service back on leading to additional missed mortgage payments. I submitted a payment in XX/XX/XXXX and again in XX/XX/XXXX via XXXX. They rejected and returned my XX/XX/XXXX payment have have refused to accept my payment. I need to move my missed payments to the back of the loan and i have submitted a financial statement to them hoping they will work with me. I am back to work and can make payments going forward- but I can not make up the past due amount. I can also schedule monthly or bi-weekly payments if they will work with me -I just can not submit the amount they are asking that is past due. I do n't want to lose my home and need help working out a repayment plan with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Called them several times to work out a reasonable payment option. They say that they ca n't do nothing to help me out. I am having finical difficulty at the moment. I was up to date on my loans for a good year, but now I am in a slump and they are not willing to help me out so we can resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I believe I have Genesis loan from XXXX Colleges and would like to know if they were included in the CFPB settlement. This loan has now been transferred to another servicer XXXX XXXX XXXX XXXX XXXX 
I attended XXXX XXXX in XXXX CA.

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 10-06-2016 about Debt collection (Medical) with AmeriCollect (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I just signed up for XXXX and XXXX monitoring. On my MyFico XXXX report I just pulled, dated XX/XX/2016, which I have attached to this complaint, this account is listed as:XXXX. Reviewing my XXXX report, it matches to Americollect out of XXXX, WI. This account is listed on my XXXX credit report. 

I never received a letter in the mail that I was responsible for this debt. If I had received one, I would have paid it so it would have not appeared on my credit report. 

Please remove this account from my XXXX credit report due to the fact that I never received a letter allowing me to dispute the validity of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have incorrect information in my credit reports as well as information that has been previously deleted and has now been reinserted using slightly different information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax refuses to help during fraudulent issues that do not belong to me. The expect me to do the work when it is their job to follow federal guidelines!

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Total Card, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have written, called the collection agencies requesting verification of this " debt they are reporting on my credit bureaus as belonging to me '' But, they keep giving me the round around and can not provide me with proof of the authenticity of this debt. I have already written, called, to no avail. I'v requested verification of this account confirming that is my debt or they need to remove this collection account from my credit reports.

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: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Paid a few to   XXXX   XXXX   XXXX   that told me my payments would resolve my student loan debt and close accounts. After paying for months the accounts appeared closed on my credit report. However recently the accounts are back open and delinquent. And the departure of education took my tax return as 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 explanation
Consumer complaint received 05-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Advantage LNS Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been repeatedly harrassed by NCAC. I have had XXXX call with them, including XXXX today, to cease and desist their collection efforts. They continue to call me after I have instructed them not to do so. I want this action on their part to cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Other debt) with Express Collections, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We moved from XXXX to XXXX and went to XXXX XXXX to purchase furniture. They falsified financing information to me. I signed and agreed to pay {$1400.00} for furniture. The Company sent different paperwork after we got the furniture home. They are now trying to charge us {$3000.00}. I tried to set up a payment plan with the original financing Company. They denied money unless it was paid in full. This is unacceptable business practices from top to bottom.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Credit card debt) with DISCOVER BANK (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: they are calling because i did not pay XX/XX/XXXX payment. i understand if they call my cell phone, but they do n't need to harass me at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a glitch in their system that violated the rights of their consumer under section 6.11. As a result I have multiple hard inquires ( falsely ) reported on my credit report. As a result of this violation my credit score has been effected and suffering. Notice was never given which is also a violation. As a result of this I am requesting all inquires be removed. 
I have attached a copy of my transunion inquires in the attachment section.

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 06/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Began calling servicer when income decreased. Call center in XXXX gave false information repeatedly. Sent in repeatedly load modification packet American Home mortgage was working with us on modification while filing foreclosure and not serving or advising Hope Now was contacted to no avail. 
Homeowners were dual tracked repeatedly. 
Libor rate is

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX  debt collectors Midland Funding LLC sued Me,  XXXX   XXXX , on date  XXXX   XXXX , for an account they bought through  XXXX   XXXX   XXXX  Consumer. On that date I,  XXXX   XXXX  plead NOT GUILTY and the case was continued to the date of  XXXX / XXXX / XXXX , at which that Midland Funding LLC could not prove their case so they dismissed non- suit. In the state of Virginia you have 6 months to re-try the case. Midland Funding LLC has not retried the case as of this date of  XXXX   XXXX ,  XXXX . I ask this be removed off of my account as derogatory, collections and anywhere else it appears. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY ().
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This collection company is calling my work to try and collect a debt. This is not acceptable as this is a business and not a private number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: A clerk of Bank of America named XXXX XXXX stole {$100.00} from my cash withdrawal today, Friday XXXX/XXXX/2015, at about XXXX CST. I closed my checking account number XXXX, with a cash withdrawal of {$780.00} but I only counted $ XXXX of XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Debt collection (Non-federal student loan) with AES/PHEAA (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX XXXX Loans including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between National Collegiate Trust ( NCT ), American Education Services ( AES ), and XXXX XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX Student Loans XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX XXXX Loans, National Collegiate Trust, American Education Services, or XXXX XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are XXXX collections that are being reported as open on my XXXX and Transunion reports. When I called the collection company to pay off these collections the credit company informed me that they had no record of them. XXXX is for {$300.00} and the other is for {$500.00} XXXX are from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (UT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Nelnet in formed me on  XXXX / XXXX / XXXX  that I had a past due payment needed but I did not review the message until  XXXX / XXXX / XXXX . I have auto-payment set up with  Nelnet  and my  XXXX  payment was coming out of my account on  XXXX / XXXX / XXXX  of {$270.00}. I figured I would pay 1 extra payment on  XXXX / XXXX / XXXX  of {$270.00} to bring my account current. Due t o Nelnet 's we bsite ( lag, freezing up, etc ), I accidentally made  2 ex tra payments of {$270.00} totaling {$550.00}. Once I noticed what happened in my bank that a total of {$830.00} came out from "  Dept of Education '' aka Nelnet, I freaked out. I imm ediately called  Nelnet 's   customer service on  XXXX / XXXX / XXXX . The initial customer service rep confirmed he saw what I was talking about and th at 1 extr a payment of {$270.00} was in fact processed. He then transferred me to a " solution '' rep for a refund.     The solution rep was rude and told me the Department of Education would not refund my money even though my account was current and the extra payment of {$270.00} was a mistake. I asked if it could be added to my  XXXX   XXXX  payment and she said no, that because I made the payment within  XXXX  's pay period, it would just be extra for  XXXX . I have a   XXXX   XXXX   XXXX   infant who needed that {$270.00} this month and I expressed that to th e Nelnet solutions rep. She said, " Department of Education does n't care. We will not refund. '' This is extremely poor business practices by Nelnet. They are taking money from hard-working peopl e who need it even when their accounts are paid current.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The original account was with XXXX over 7 years ago. When the account was closed, the remaining balance was credited and was left with a XXXX balance. This account was removed from XXXX, but is still being reported by XXXX and XXXX. This account is more than 7 years old and I am no longer liable for this account as it was paid prior to going to collections with Trident. Each time that there is a new acquisition of XXXX  accounts, this account keeps getting transferred instead of being formerly closed out. I have never had an account with Trident Asset Management and this should be removed from my credit report as it is infringing on my rights to Fair Debt Collection practices. This account appeared on my credit report in XX/XX/XXXX ( never reported prior to this time ) and when I noticed this old debt I contacted the agency to remove. It was agreed that they would remove it, but the debt keeps appearing on my credit report. I contacted the better business bureau and they have sent on XX/XX/XXXX and I also spoke with their representation onXX/XX/XXXX I escalated the call to the manager of the rep as she was unable to produce information as to how my credits were applied ; she advised that this debt was merely validated. I asked for an explanation of charges and this was never produced. This debt is too old to report and should be removed from my credit report instead of keep getting sold to additional credit collection agencies. Please have the company update the records and remove from my credit report.

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