milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from what I assume is a debt collector trying to collect on a Paypal account that has a negative balance, personally I ca n't even understand how a Paypal account could have a negative balance, but more importantly I do n't have a Paypal account and I want this collection to cease and it better not appear on my credit report. I am as well submitting this complaint to the Iowa Attorney General 's Office. I have attached a copy of the letter that was sent to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NE).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: 1 ) M y husband and I moved to Nebraska where Bank of America does NOT have any branches, and I have had technical difficulties setting up auto debit from an external checking account. As a result, I have been charged late fess, my credit limit was lowered, and I believe derogatory information was sent to the credit reporting agencies.      2  ) Auto-debit ( including from third party checking accounts ) is a feature that is advertised on their website.      3 )  I have made many good-faith attempts to set this up on the website, and my last attempt was on  XXXX   XXXX  where I used the online chat feature on the Bank of America website.      4 ) I  gave the operator my routing and account numbers for our  XXXX  checking account.   I requested that he/she debit the payments due from that account, and to setup auto-debit to have recurring payments from said account.   But this did not occur due to " lost network connectivity '', per the phone conversation with "  XXXX  '' and my husband on  XXXX   XXXX .   When I saw that the payments did n't go through as expected in  XXXX , I tried calling the Bank of America number several times, but the hold time was too long ( more tha n 30 minutes ) 5 ) My hu sband finally reached Bank of America on the phone on  XXXX   XXXX  with  XXXX  and the credit card accounts are now current.

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 09-11-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (UT).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX- Our mortgage loan was transferred from XXXXXXXX to Select Portfolio Servicing ( XXXX ). At XXXX, I had a simple interest loan with a fixed interest rate, and my loan was never modified at XXXX. My XXXX loan origination date was XX/XX/XXXX. During the early years of loan, I accrued unpaid interest called Deferred Interest which had to be paid in full with the unpaid principal balance in XXXX. In XXXX, I paid on the Deferred Interest bringing new balance to {$10000.00}. 

First Complaint. XXXX moved my Deferred Interest balance to Deferred Principal in an attempt to defraud me out of claiming the interest on my tax returns. I opened a dispute which they keep saying the need more time to fix or it is being reviewed. I can never speak directly to a Customer Advocacy person or the same person more than once. 

Second Complaint. After comparing my XX/XX/XXXX statement to my XX/XX/XXXX statement, I noticed XXXX reduced the Deferred Interest balance by {$9800.00} and added the amount to my Principal Balance so now I have to pay double interest on what used to be Deferred Interest. 

Third Complaint. My next due date was listed asXX/XX/XXXX. I made a full monthly payment on XXXX/XXXX/XXXX online at the XXXX website. After numerous calls, XXXX has yet to post my XXXX payment. I have tried to get them to apply theXX/XX/XXXX funds to my XXXX payment, but I keep getting all kinds of stories saying their Cashier is working on it and give it another 3-5 business days. 

Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have complained to equifax and XXXX in the past about this issue and no credible investigation was ever done and it is my belief that title 15, chapter 41, sub chapter 3, section 1681c-2, subsections a and b were violated as defined under the United States Code! I have filed all the paperwork I was required to, opened a case with my local police station, and informed equifax and XXXX of an identity theft issue. Under the code, it states that equifax and XXXX are required by law, to block the information within 4 business days of the first notice, and I have sent many along with 300 different documents relating to this issue to prove that both the debts from XXXX XXXX XXXX and XXXX or XXXX XXXX or whom ever the second company wants to be called, were not mine. Equifax and XXXX are in violation of this code because they never blocked the information that occurred as a result from identity theft, even after multiple companies removed their information after finding my accusation of identity theft credible and even XXXX found my evidence credible and blocked XXXX and XXXX XXXX XXXX from appearing on their report. <P/>Now subsection C does give Equifax and XXXX the authority to remove a block and put the information onto my report if they can reasonably determine that there is an error in my request to block the information. This section can not be claimed in this matter as first, they never blocked the information within the 4 days as required by the US code. Second, there is no way they can reasonably determine that there is an issue with my request as I am the only party who has offered any evidence that my identity was stolen and Equifax and XXXX themselves have admitted that they do not request and proof from the company that requests to put damaging and false information on my report. After reading the US code, I am demanding equifax and XXXX block XXXX XXXX XXXX and XXXX from my report until they are willing to provide the information that can reasonably contradict mine or I demand the CFPB hold Equifax and XXXX in violation of the previously stated United States Code that was voted into law by the United States Congress. <P/>I will add that Equifax and XXXX should have all my previous evidence on record and it is their fault if they do not, ignorance of the law is no excuse for violating the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: I had to report XXXX Incidents of Fraud to Chase Bank which resulted in me having to close my checking account. Chase told me I had to come in person to close the fraudulent checking account and open a new checking account. XXXX XXXX, I notified Chase fraud department to close out my debit card because a company connected to fraud had my credit card information and another call was placed XXXX XXXX to stop a check due to another company that was fraudulent. Since I had my account with Chase it was in good standing. I got caught up in ordering things from the Internet and the companies were not reliable. Chase okay-ed my new account and my new debit card. It was not until I checked my account to see if my Social Security Check had posted into my new account I found that there was no check posted.. Their personal banker for Chase name XXXX XXXX ( XXXX XXXX had transferred everything from the old account to the new. When I called Chase to asked them what happened to the direct deposit of the Social Security check they informed me my account was close and they no longer wanted my business. They did not know where my Social Security check went and they would mail me my account balance. I informed them that I could not wait for them to mail my funds and I was told that was the best they could do. They were very insensitive to my needs when I told them I had no money. Everything I had was tied up in their Bank account and they still insisted that they could not give me my full amount back. I love banking at Chase and I do not feel because I had a few bumps in the road they should close my account. They told me it was perfectly legal and they did not have to give me an explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/17/2016 about Debt collection (Medical) with Firstsource Advantage, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been making payments to one advantage and they are not applying them to my account. The customer service rep said that have another other accounts not reflected on my credit report. I currently have an open dispute because they sent me verification for another person with similar name. They also have an account in which they list the first name of XXXX of my children and the last name is totally different. They said I have a balance of about {$1100.00} when all XXXX credit reports are showing only {$530.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Federal student loan servicing) with GRANITE STATE MANAGEMENT & RESOURCES (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I do not have my complete loan information at the moment. Currently, I am in repayment of my student loans. I have been making more than the minimum amount towards my student loans for four years, paid out about {$10000.00} and my principal and interest has not decreased. Please advice and assist. The servicer 's website provides limited information and advice, in addition, it takes about an hour to speak to a level one customer service person.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Back in XX/XX/XXXX I sent a dispute letter to Transunion and XXXX asking them to verify how they determined that my bankruptcy was verified. They have failed to do that they replied with a letter stating that the bk was previously verified and they will not re investigate the dispute. My name could have been used from anyone with the same name as me. If you google my name it pops up all over the web. I have no contract with the courts or anyone else showing that i have filed a bk.

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 11-09-2017 about Debt collection (Other debt) with Collection Bureau of America Ltd. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX XXXX XXXX SOLD MMY ACCOUNT THAT WAS LISTED ON THE FTC I.D . THEFT REPORT FROM XXXX IN VIOLATION OF THE DODD-FRANK ACT-XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their own ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident. This failure on the part of Equifax to secure my personal information such as my SSN has now has cost me several hours, some money ( to freeze my credit with 4 bureaus ( including Equifax themselves ) and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future for the rest of my life. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have disputed the following with Equifax several times with no outcome and I do not know what else to do.       XXXX   XXXX   XXXX   #  XXXX  - Unknown and not mine, remove  XXXX   XXXX   XXXX   XXXX  - Outdated and past the statute remove

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed this account via this website and have not received a response within the allowed timeframe. It was given 30 days to dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Other financial service (Check cashing) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Advertising and marketing

Complaint: Hi Bank of America HARD SELLS far worse than XXXX XXXX. 

B of A employees can BE RUDE and condescending ... not letting the topic go..and talking loudly about you NOT having an account for others in line to EASILY hear ... 

I wonder what CEO, at the upper level, is pressuring their staff to act like this??? 

Very selfish practices Region Locations are XXXX on XXXX and XXXX Oregon XXXX, XXXX Oregon area

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MERCANTILE ADJUSTMENT BUREAU, LLC (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XXXX of XXXX an account that was in debt was sold to Mercantile Adjustment Bureau. In the same month the debt was sent to collections, without any notification received by me. There was no telephone contact, or mail attempts regarding my right to dispute. The account once more entered collections in the month of XXXX, XXXX. There was also no attempt to contact me by mail or telephone. 

In XXXX of XXXX, I was contacted by a collector from this company, stating I was responsible to pay {$2000.00} dollars. Following this phone call I was scared, because I was unsure of what to do. I believe I was pressured in to settling the debt, even though I was attempting to dispute the original ownership of it. 

Following the telephone call, I began to do research and it was in fact an actual debt collection agency. I immediately paid it off out of fear and reprisal. Once the debt payment was received the business had X amount of days to report the payment to all major Credit Bureaus to include, XXXX, XXXX and XXXX. 
After an extended period of time, no contact or notification was received regarding payment and debt settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion sent the paper report ( attached ) in response to CFPB case # XXXX regarding XXXX XXXX # XXXXIn their CFPB response, Transunion says the date of first delinquency is " reporting '' as XX/XX/XXXX.THEIR report is attatched and it is NOT REPORTING at all.In addition the payment received was {$26.00} not XXXX as they are reporting. 
the last payment made was XXXX/XXXX/XXXX which is not reporting. The payment table does not accurately correspond with the XXXX/XXXX/XXXX date of first delinquency.Basic math in relation to the non-appearing date of first delinquency dictates that the payment table is erroneous. 
TRANSUNION IS NOT FAIRLY AND ACCURATELY PORTRAYING MY CREDIT according to FCRA. ALSO THE HIGH BALANCE AND ORIGINAL CHARGE-OFF AMOUNTS ARE FRAUDULENTLY EXCESSIVE BY HUNDRED 'S OF DOLLARS BECAUSE THE CREDITOR VIOLATED THE RULES OF THE FULLY-IMPLEMENTED XX/XX/XXXX CREDIT CARD ACT IN CHARGING LEGALLY EXCESSIVE PENALTY FEES AND INTEREST.TO SUPPORT THIS, XXXX, THE DEBT BUYER STOPPED COLLECTION AND DELETED CREDIT REPORTING AFTER THEIR INVESTIGATION about a year ago.WHEN XXXX BOUGHT THE DEBT IT WAS " PAID IN FULL ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (VA).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: Without notice, my vehicle loan account with Ally Bank was transferred to a debt collection company on or about XXXX XXXX XXXX. The first information I received about it was a notice from the debt collector, XXXX XXXX XXXX, XXXX, demanding information about my vehicle and for me to acknowledge the debt. I then went to the Ally website and found that my account information had been deleted. I had recently discharged my bankruptcy case however my vehicle payments were up to date at the time I received this notice. I have since continued to send my monthly payments to Ally Bank. To this date none of them have been returned to me and I have received no contact from them about transferring the servicing of XXXX loan.

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 06-02-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: I refinance with Well Fargo and they verbally confirmed that taxes and insurance was included in the monthly payment, however they purposely did n't tell us that it was only for the rest of the first year, then we would have to pay separately for taxes and insurance

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have contacted equifax credit reporting a few times requesting that they please report my XXXX/XXXX account onto my credit report. This credit card has a XXXX balance on it and will help my equifax credit score. I was told I need to contact XXXX and have them report it to equifax. I contacted XXXX and was told they do report to all 3 credit reporting agency 's. I explained that this account is not reporting to equifax. I could not get any help. I called back equifax and explained what XXXX told me and they could n't help. I am submitting this complaint because I want this account to report on my equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (ME).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX I received my property tax bill from my town. I immediately asked for ( in writing ) an abatement from them because they had omitted the homestead exemption. The amount they assessed in error was $ XXXX.The correct amount was in fact {$980.00}.

( The taxes were due XX/XX/XXXX ) On XX/XX/XXXX I was granted the abatement by the town and my taxes due amounted to {$980.00}. I mailed letters about this change to my servicer, Fay Servicing at 2 addresses they listed, as well as emailing my account manager on XX/XX/XXXX.

On XX/XX/XXXX I got an email from Fay Servicing saying my taxes had been paid to my town for {$1200.00} ( more than was due, even if the original bill had been correct. ). There was no mention of receiving my letter that the original bill had been in dispute, and not to pay that amount until I got this sorted out. I had my sister call Fay on XX/XX/XXXX and left a voicemail for my account manager saying the taxes were paid in excess. ( Im hearing impaired and do not use the phone ) That check was not cashed and Fay voided the check on XX/XX/XXXX.

On XX/XX/XXXX Fay remitted the corrected tax amount to the town for {$980.00}.

That is issue # 1 I have with Fay : paying the incorrect amount although they had advance notice my original taxes were in error. Even then, Then the taxes were paid late.

My 2nd issue is that today XX/XX/XXXX I received a letter from my homeowner 's insurance company that my policy was cancelled due to nonpayment. My monthly mortgage payment includes an escrow account from which taxes and insurance are to be paid. The insurance was due XX/XX/XXXX. My insurance agent had sent Fay the insurance bill on XX/XX/XXXX.

When my agent today ( XX/XX/XXXX ) talked to Fay about the home insurance he told me they ( Fay ) were off nearly a month on my coverage dates comapred to what my insurance company has. The lady he spoke to was going to " make the necessary changes. '' This happened last year too ... .Fay didnt pay the insurance on time and I had to sort things out with them and the insurance company. I also get charged more because the bills are paid late.

I also have an issue with Fay not setting up the initial escrow account on time. It took them 2-3 months to set up the escrow, then only after I asked " why dont I see payments going into an escrow? '' The answer was " whoops, sorry, oversight. '' My last complaint is that the customer activity statement is so convoluted that I am having trouble understanding it ... .And there are several late charges noted although since Fay took over my servicing I have never been late nor missed a payment. There are also charges for property preservation in spite of my questioning this on the basis of never having left my home, and always maintaining my wish to live here permanently.

Company response to consumer: Closed with explanation