milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
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: In response to closed complaint # XXXX, the paperwork submitted by Bank of America does not validate the alleged amount owed ( {$880.00} ) on account # XXXX. On XX/XX/XXXX I spent an hour on the phone with XXXX XXXX ( Manager of XXXX XXXX Department ). I was informed that almost half of the alleged amount owed were bank fees. Is n't there a limit on the number of bank fees a bank can assess? Also, why were fees continuing to accrue when the last transactions were in XX/XX/XXXX? I have read of many class action suits where BOA was charged for excessive overdraft fees. Please revisit this account and delineate the fees from actual transactions. Also provide the bank 's policy on fees. Please be advised my next step is contacting a consumer protection lawyer.

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 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was repaying a student loan to Navient for about $ XXXX month when suddenly Navient extended my loan for ten years and lowered payments without my permission. Now it seems that despite asking Navient to remedy the changes they made without my permission, and despite paying the {$300.00} a month the loan has been extended beyond the 10 years. I was suppose to pay based on what I believed to be the terms of the loan. This loan company is criminal. I believe by changing the loan the company intended to collect more interest and has somehow managed to do that despite never getting my permission to change the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Other debt) with Quality Recovery Services, Inc. (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: Because i was trying to pay  XXXX  a month and the interate keep going up was trying to explain to them that i am on a fix income and all i could pay is  XXXX  a month and they told me i had to pay  XXXX  are my interate will keep going up which i dont have  XXXX  a month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is the original Creditors. For a credit card limit of {$400.00}. Dollars I left a balance of {$120.00}. In XXXX Midland Credit Management, is the Collection company..for XXXX, They called me XXXX XXXX, XXXX Told me I Owe {$12000.00} to XXXX. 
I Asked them to send me Proof of my debt, and signature, they told me they do n't do that, I must prove I do n't Owe this debt. I was told that a Judgment has been fild agents me. I had been served in XXXX! I 've never been service! or Ever Owed Anyone Such A Large Amount! 
In XXXX or XXXX I had a Cash Line of Credit of XXXX/dollars deposited in my account by XXXX. and a Limit of XXXX. I Only Used {$1600.00} dollars and Left owing {$1200.00}.! When They Went Bankrupt. Out of business, Know where to send payment to. Is the only reason for that last balance of {$1200.00}. The Only Other Debt I Had was a car loan.! That was Paid Off. I Never Owed {$12000.00}. To XXXX. 
And A Judgment.!?! I Need this Removed from my Credit File and What Judgment!!??!! They keep saying I 'm going to be served, or was Served, threatened to Trying to garnish my account, its a Federal government child subsided Adoption Refund, Go to my Employer, Possibly Arrest Me..Every time I clear my credit, these creditor 's start again ...!! Please help.!!! 

Before this Agency it was a {$16000.00}. Dollar debt!?! 
I also Never Owed in XXXX form XXXX collection agency. from XXXX, This is Fraud.!! The Same Debt I Do n't Owe only the Amount have Changed. 
XXXX I had Only XXXX {$10000.00} dollar Credit Limit Never Used The Money The Company Went In Bankruptcy.!! The Money Went Gone back to Them. I do n't Owe this And I Want All So called Judgments Removed as I Did n't Owe this Debt..!!! Fraud..

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I 've had the same checking / atm access account with Bank of America for almost 30 years. While reviewing the XX/XX/ Statement, I noticed a XX/XX/ withdrawal transaction of {$200.00} in addition to a related {$2.00} fee charge with the reference " XXXX XXXX # XXXX WITHDRWL XXXX  XXXX XXXX XXXX XXXX MO activity type withdrawal '' I immediately contacted Bank of America Customer service to inform them, that I have never been in Missouri, and I certainly did n't take any cash out of any ATM at that location, at any time, let alone XX/XX/. 
They issued a temporary credit and said they 'd investigate. 
Approximately a month later I got a form letter saying they 'd investigated my complaint, said it was an valid withdrawal, and again re-charged my account the {$200.00} + {$2.00} service charge. Nine calls later, over the course of approximately 3+ hours, Bank of America has yet to provide any explanation validating this charge to my account. On 4 separate  occasions, their telephone service representatives assured / promised me that they would get me a detailed explanation by the following day or two. I heard / got nothing. All they eventually said is that it 's likely someone at some other ( different State ) card use, skimmed my card and pin number and subsequently produced a fake card to take out money from my account. The fact that Bank of America is so flippant about the fraudulent removal of money from my account is alarming. The fact that with all their hopefully sophisticated anti-fraud technology, they did nothing regarding an ATM transaction from a State ( Missouri ) where their customer ( me ) had / has never been suggests an appalling lack of the most basic responsibility that a financial institution should have towards those who entrust it with money. If this is the level of security now being provided by nationally chartered banks, then one might want to start considering keeping one 's money under the mattress, because it certainly is n't safe with Bank of America. At best, they 're incompetent. As worst, they facilitating or committing bank fraud upon their customers.

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 03/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a voicemail from the woman I had been dealing with about my case and she stated for me to call her back. I called the office with the extension she gave me to reach her and a lady answered, never gave her name and I told her who I needed to speak with. She said hold on and transferred me to some man that I do not recall his name. I stated that I missed a call and needed to speak with the lady that I had dealt with prior and he just continued on asking for my information. He then proceeded to tell me my card had been declined and he needed to process it again and asked for my card info. I told him the money would not be there until later tonight because my husband gets paid today. He got rude with me and I said that they were unorganized and he went off sayin " how are we unorganized when you 're the one who 's card got declined '' I then asked to speak to a manager because he was getting loud with me and he told some one in the background that " she said were the unorganized ones but she 's the one who 's card got declined '' making me feel very stupid and talked down upon. When I spoke with the manager I explained what was going on and that I did not know who this man was and I wanted to speak with the lady I have dealt with prior. She said that the woman was off today although I had received a voicemail from her 20 minutes prior to calling them back. I did not feel comfortable giving them my information. No One deserves to be talked to like this when it comes to money. I am struggling at the moment and his rude remarks definitely do not help my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Other

Complaint: I had XXXX accounts with synchrony bank. I did not owe them any money. When I claimed bankruptcy, they automatically closed my XXXX accounts because my name was pulled from a database. I am trying to buy a home, now, and these XXXX accounts are showing up on my credit report erroneously. They show that they were filed under bankruptcy, which is totally untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XXXX/XXXX/15, my credit report was pulled by a company called " XXXX XXXX '', this firm pulled my report both from XXXX and Experian. This company is listed under " Mortgage Reporters ''. I have not applied for any credit on or about this date and have not authorized any firm to retrieve my credit report on or around this date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: On XX/XX/XXXX my Capital One credit card account had an unauthorized charge of {$620.00} from XXXX XXXX and {$34.00} from XXXX. These charges were immediately disputed as fraudulent activities. Capital One has closed the account and reissued me a new account. But the same amounts from the same merchants were charged to my account repeatedly every month since XX/XX/XXXX until XX/XX/XXXX in spite the multiple attempts to change my account no. and credit the same amounts. I have spent multiple hours speaking to multiple agents in numerous occasion about this matter. On XX/XX/XXXX, they made a resolution and concluded that they were missing a credit of {$620.00}. But on XX/XX/XXXX, Capital One issued a rebill of the same amount they credited on XX/XX/XXXX. On XX/XX/XXXX, I made another phone call and requested a written explanation and/or computation about this long-drawn issue. According to Capital One they will escalate the said matter and give me a resolution and a follow up phone call within 72 hours. No follow up phone call was received nor a conclusion given. This issue has consumed so much of my time without any resolution. Despite several complaints, they have not resolved the issue in accordance with resolution prescribed by federal regulation. In my limited research I noted under EFTA ( reg e ), a financial institution is required to resolve the issue within 45 days. This has become a burden of mine for a year now. I have been a good customer of this company since XX/XX/XXXX and has been a responsible consumer since. I appeal to your good office to assist me finalize this matter once and for all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX XXXXXXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX

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 01-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello, I recently refinanced my home with XXXX XXXX XXXX and my lender paid off my line of credit at BBVA Compass Bank, the subject of this complaint. I was told a few days after the payoff that i had an outstanding balance of {$71.00}, i submitted a payment for {$74.00} and thought it was all paid because i received no further notices. That last payment was XX/XX/2016. My regular statement was not generated XX/XX/XXXX and the previous one was issued XX/XX/2016. So with no statement and having paid off my balance, my debt was settled. Two days ago i got a report from the credit bureaus that BBVA Compass had reported my payment late. I called and they were unable to explain all of the accounting discrepancies on my account, nor were they able to explain why i had not received a statement and why their collections department had not attempted to call me regarding the alleged debt. I further reviewed my account and it looks like they have additionally misapplied funds and not counted for payments i made to settle the balance on XX/XX/2016. Please help, i have no other derogatory remarks on my credit and in the process of helping my parents purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NV).
Issue: Using a debit or ATM card

Complaint: I HAD PREVIOUSLY FILED DISPUTES WITH PAYPAL XX/XX/XXXX AND ALSO FILED MY DEBIT CARD LOST AND THAT SOMEONE HAD BEEN USING MY PAYPAL ACCOUNT SINCE I NOTICED ACTIVY ON MY ACCOUNT LIKE AN INVOICE THAT I DID NOT ISSUE. I THEN STOPPED USING THAT PAYPAL ACCOUNT SINCE I DID N'T FEEL SAFE USING THAT ACCOUNT. LAST WEEK I GET A NOTIFICATION FROM PAYPAL STATING THAT MY OTHER ACCOUNT WAS BLOCKED. WHEN I CALLED PAYPAL AND SPENT OVER 3 HOURS ON THE PHONE AND NOT ONLY KEPT BEING TRANSFERRED FROM DEPT TO DEPT ... THEY NOT ONLY LIED TO ME BY TELLING ME THOSE CHARGES WERE DISPUTED AND THEY CAME BACK NOT TO MY FAVOR, WHEN I ASKED TO GET TRANSFERRED TO THE DEBIT CARD DEPT THEY REFUSED TO AND EVENTUALLY PRETENDED TO TRANSFER AND THEN HUNG UP ON ME. BUT WHEN I GOT THROUGH THE DEBIT CARD DEPT THEY TOLD ME THAT THOSE CHARGES WERE NEVER DISPUTED NOW THAT I WAS ABLE TO DISPUTE THE CHARGES THEY DECLINE THEM BASED ON THAT ITS 3 MONTHS LATER AND THAT MY PIN WAS USED. I ORIGINALLY HAD CALLED RIGHT WHEN IT HAPPENED TO REPORT THE CHARGES AND TO REPORT THAT MY ACCOUNT WAS BEING USED BY SOMEONE ELSE. THEY DID NOTHING TO PROTECT MY ACCOUNT BUT CONTINUE TO LET SOMEONE ELSE USE MY ACCOUNT. NOW THEY ARE DEMANDING FOR ME TO PAY CLOSE TO XXXX IN CHARGES THAT I DISPUTED, ALL BECAUSE THEIR TEAM DID NOT DO WHAT THEY WERE ASKED TO DO BY ME WHEN IT HAPPENED

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GRYPHON CORP. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am an XXXX service member who recently applied for a home loan. When I received my credit report from my loan officer, I noticed there was a collection account listed from a company called NCEP , LLC. Reporting date was XXXX saying the original creditor was a company called XXXX with an account open date of XXXX have never done any business with a company called XXXX or NCEP , LLC so this debt needs to be verified ASAP. I sent XXXX letters, via XXXX to the address listed for NV. XXXX letter was return to sender, and the other, I was never contacted back. 30 days go by, I still have no information on this debt, however I realized that on my credit report the account number XXXX was the same listed for a XXXX XXXX XXXX account that was listed as charged off w/ a balance of XXXX XXXX acct XXXX is an account of mine, HOWEVER this account IS being paid on and should NOT be listed as charged off. I have been paying on this account through a XXXX party agency called XXXX XXXX. I contacted XXXX XXXX XXXX to get more information, they were not able to provide me with any information or any type of documentation of my debt/account, its status and what they 've done with my account/ and or payments. I was never contacted about a charge off/ and or a hand-off to another company. I made contact with NCEP , LLC who was very stern with me when I was just trying to get information and to come up with a solution. The clerk on the phone would not provide me with any information about the hand off from XXXX XXXX XXXX to shoppers to now NCEP. I told him that the information being reported was incorrect and that I am currently paying on the account through XXXX XXXX, and have documentation to prove such. He said that even with that documentation it would n't suffice in updating my balance, saying that they have had the account for some time now and it shows no activity. I got off the phone with this clerk because he was rude and overwhelming. I submitted this same statement throught XXXX and received a response of " Please be advised that NCEP , LLC ( " NCEP '' ) is the owner of the subject XXXX XXXX XXXX XXXX XXXX XXXX credit card ( account number ending in XXXX ). Since acquiring the account in XX/XX/XXXX NCEP has received XXXX ( XXXX ) {$68.00} payments for a total of {$470.00}, with the last payment being made on or about XX/XX/XXXX. Since that time, no payments have been received by NCEP. NCEP respects our military members and, as a courtesy to the consumer, will agree to permanently close the account and cease all collection efforts. " However I am not satisfied with this response because {$1500.00} is still un accounted for. what they are reporting is not accurate and I have proof of XXXX cleared payments of XXXX {$.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (Home equity loan or line of credit) with KEYCORP (FL).
Issue: Settlement process and costs

Complaint: I entered into a Short Sale agreement with XXXX being the 1st Mortgage Holder and Key Bank the 2nd Mortgage Holder. The purchase and sale agreement is dated XX/XX/2016. I have approval for the short sale from XXXX but Key Bank is giving us the run around. Escrow has asked for a payoff and apparently received the incorrect XXXX of XXXX. I have been trying to explain to Key Bank what has happened but all I get is the run around. My latest calls have taken 1 - 2 hours with no results. They will transfer me to Loan and Liens than Recovery Dept. than Recording ( which was closed ) than Escrow ( I have explained to them they are not the closing agent they are the Lien Holder on a Line of Credit than I will get transferred back to Line of Credit. They definitely do not know what they are doing. My recent call on Friday XX/XX/XXXX they transferred me to the Collections Dept. I tried to explain to them that this loan had been written off with a XXXX Balance. I am needing the Release of Lien and if they are unwilling to release it XXXX has offered to settle with {$6000.00} to them.. Than after being on the phone with them II was transferred to the Work Out Dept, no one was available so than I was transferred to the Escalation Team and no one was available there either. 
This is the fourth purchaser for the property and we run out On XX/XX/2016. We need to hear from Key Bank ASAP. You would think they would be delighted to accept something rather than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My federal student loans have been serviced by XXXX and I have never missed or been late with my monthly payments, which are due on the XXXX of each month. At the beginning of XX/XX/XXXX, I made my regularly scheduled monthly payment to XXXX. At around the same time, my account was transferred to Fedloan Servicing. Near the end of XXXX, Fedloan Servicing notified me that my XX/XX/XXXX payment was late. I notified Fedloan Servicing that my XX/XX/XXXX payment had been paid to XXXX immediately prior to when I got notice that my account was transferred. Fedloan Servicing soon confirmed that it had received the payment and would credit it to my account within 10 days. After 10 days, Fedloan had not credited the XXXX payment and my account was still showing past due. Fedloan again confirmed that, yes, it received the XXXX payment from XXXX but it takes time to credit it to my account. Fedloan instructed me to make my XX/XX/XXXX payment as usual and as soon as the XXXX payment was credited to my account, it would reflect that I was up to date on payments. I have continued to make all monthly payments on time and in full. However, I receive late and past-due notices, stemming from the XXXX payment that Fedloan received from XXXX but has failed to apply to my account. Fedloan Servicing told me to ignore the late and past-due notices I receive as it will all be straightened out when it finally credits the XXXX payment. As of this date, Fedloan Servicing has not credited my account with the XXXX payment it received from XXXX when my account was transferred. It is unacceptable that it has taken 4 months for this to happen and that I am receiving late and past-due notices. Of course, I request that no negative information be reported to the credit reporting agencies and that no additional interests or fees are added to my account because of Fedloan 's failure to properly service my account and my XXXX payment from XXXX.

Company response to consumer: Closed with non-monetary relief