milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has an erroneous debt they claim I owe, that has been sent to multiple collection agencies including XXXX, Credence Resource Management and other agencies. I 've gone through the dispute process with each one and had them confirm that the debt is n't owed and cancel the collection account. XXXX continues to forward this erroneous debt to different collection agencies, I 'm tired of having my time wasted and the stress of dealing with this year after year, this is ridiculous. The most recent collection agency with collector who have my personal information are outside of the United States where who knows what harm they can do to my identity, the most recent agency is Credence Resource Management, who put me through multiple hours of headaches and hassles to get a dispute done with them to get the damage they 've done to my credit removed, it has n't been resolved yet.

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 05-04-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MI).
Issue: Account opening, closing, or management

Complaint: Wells Fargos teller deposited a check made payable to me into a dealerships account without my notice or my signature. Please see the attached letter that I have sent as a final means of communication to Wells Fargo to stop the harrassment, roughly 10-15 calls a day and anywhere from 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 09/13/2017 about Checking or savings account (CD (Certificate of Deposit)) with KEYCORP (CA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I write as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX purchased a {$94000.00} CD from Key Bank XXXX XXXX XXXX, XXXX. The CD matures tomorrow, XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Key Bank mailed notice of approaching maturity with instructions for contacting Key Bank with instructions on whether to reinvest or redeem. I called Key Bank and received an XXXX XXXX email that said Key Bank would need three notarized documents for XXXX XXXX XXXX XXXX to get back its invested funds. At considerable inconvenience, I submitted the three notarized documents along with a cover letter requesting that Key Bank send the proceeds to XXXX. My cover letter requested that Key Bank call me if it had any questions. I called on XXXX XXXX to confirm that Key Bank had received my instructions. The person I spoke to, XXXX, said the documents had been received and were in legal for review. He suggested I call back today, XXXX XXXX. I called back today and was told that Key rejected my submission as inadequate because the cover letter was not notarized. 
I protest : 1 ) Key Bank creating costly notarizing rules before it will redeem the CD funds ; 2 ) Key Bank not promptly contacting me about any deficiency in the submitted documents 3 ) Key Bank demanding notarizing of the cover letter not requested by its XXXX XXXX emial. I submitted the three notarized documents Key Bank 's XXXX XXXX email requested and still ca n't get back XXXX 's funds on the maturity date tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America is reporting two mortgage late payments on XX/XX/XXXX & XX/XX/2011. I made those payments on time via XXXX, Bank of America on line payment system did n't work so the payments were posted late. The irony is that I have my checking account with Bank of America, so they just simply needed to transfer the payments from my checking account to the mortgage account with themselves and they failed to do that. Now they refuse to fix the issue because the loan was transferred to XXXX and they do n't care to do anything neither the new servicer. I am applying for a Mortgage and this issue is affecting my credit. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (DC).
Issue: Account opening, closing, or management

Complaint: I had a checking account with Chase. I moved so I called and asked to close my account on XXXX XXXX, with remaining balance of {$1600.00}. I was told that I could n't transfer my funds out and that instead I needed to close the account and I would be mailed a check. I received no notification about the account being closed, neither through email or mail. After a month, I had n't received the check and called Chase. I spent over an hour on the phone with various representatives who kept passing me to other representatives, all giving me the same answer that they were n't sure what happened to my money. Someone was eventually able to cancel the lost check and requested that I sign an affidavit and get it notarized. I sent that in weeks ago and have received no communication from Chase since. I just called in again, and spent 42 minutes sitting on hold and being passed to different representatives again, and the phone call ended with them telling me they were n't sure where the check went or what the status was. There was no result. I was essentially told tough luck, your {$1600.00} is gone. Every time I call, I get passed around to different representatives and all of them tell me they ca n't help me. I 've asked for supervisors, managers, and senior level managers, but even they ca n't help and just pass me to someone else. I 'm pretty lost at this point and feel like Chase just robbed me of my {$1600.00}, on top of the fact that I 've been without it for nearly 2 months and I should 've had it in 5 - 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Bank account or service (Other bank product/service) with BARCLAYS BANK DELAWARE (CA).
Issue: Account opening, closing, or management

Complaint: Cash rebate credit card is co-branded with XXXX XXXX to directly apply cash rebate to a student loan. Follow up with recipient ( a relative ) of my directed cash rebate indicated it has not yet been applied. Letter was written to Barclay Bank, issuer of credit card with a copy to XXXX ( successor to XXXX XXXX ) and sent on XX/XX/XXXX. To date no response has been received from either party.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Consumer Loan (Installment loan) with Circleback Lending, Inc.(Closed) (VA).
Issue: Managing the loan or lease

Complaint: I have had a loan with Circleback Lending for over a year. They recently completely eliminated their website, without seeking consumer consent for changes, and made online payments impossible. Now the only way to make payments are through the phone, with an average wait time of 10-15 minutes, or through automatic debit. Unfortunately, they do n't have an online site through which customers can download automatic debit forms and have failed to email the form to me, despite my requests. This approach to customer service and to lending would have been a deciding factor for me when I chose this lender, and I would not have taken the loan with this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Last XXXX my home loan was sold to a company called Loancare and as soon as it was sold I received a delinquent notice and a late fee saying that I did not pay my XXXX payment when I did in fact pay it to the previous provider, XXXX. I then contacted my previous provider and they said and sent me proof that I paid my XXXX loan statement which I then forwarded to Loancare to hopefully resolve the issue and find the missing payment. I also sent Loancare copies of my bank statements to show that the money did indeed come out of my account and was not returned to me. Since XXXX I have called dozens of times trying to figure out where this missing payment is and what I can do to help and everytime I call I get generic answers like, " we will escalate the problem '', " we are waiting for the previous provider to respond '', or ( my favorite ) " I see the information you sent us but no actions have been taken yet. '' Right now I am on the second or third attempt of Loancare " contacting my previous provider '' but after doing this for months and never receiving a single call back from a supervisor or making any progress I need to find a new method to try to finally get this missing payment taken care of.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax shared my personal identification information ( name, birthdate, social security number ) with an unknown group after they were able to access the information because of subpar electronic security measures. Furthermore, several Equifax executives sold stock in their company after they learned of the hack and withheld this information from the public for several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been receiving multiple phone calls and paper mail from a company called Portfolio Recovery Associates. 
They claim that I own money on a account that I have no knowledge of. They never provided me any information, indicating that this debt is indeed mine. The call me all the time, and at times leave me voice mails. 
I have made attempts to speak to one of the representatives on the phone.However at times they hang before I can even say a word to them. Then when I try to call back its as if the number used to call me is not working. 
I have recently checked my credit and noticed that, the debt in question of {$2800.00} has appeared on my credit report. This debt needs to be removed as soon as possible as it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (DC).
Issue: Problems caused by my funds being low

Complaint: In the past XXXX months, I had signed up for a CITIGOLD Checking account through a promotion where I was to receive XXXX Thank You points from CITI by XX/XX/XXXX. This promotion was under promotion code : XXXX. The promotion required me to meet some basic requirements, which I clearly did and this was confirmed on multiple occasions by CITI Gold phone representatives. The promotion was confirmed on multiple occasions over the phone. In addition, my wife XXXX XXXX also applied for the same Gold checking account and the same promotion. She has received her points. 

In addition, I was clearly told that this account had XXXX monthly fees. I was told there was no minimum balance requirements etc ... no monthly fees at all. 

Now Citibank is telling me I did not sign up for the promotion and I just noted that they have charged me {$30.00} for the last three months, totaling {$90.00}!!! 

This is fraud and is not correct. I have been a Long time CITIBANK customer and this is flat out wrong. This needs immediate correcting.

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 11/29/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: In XX/XX/XXXX, I notified Bank of America numerous times about a company fraudulently charging my debit card for products I never rec 'd nor even received bills for. I asked the charges to be credited & future billings to be blocked. They opened up several fraud disputes & issued temporary credits but ultimately WITHOUT ANY PROOF from the vendor, reversed these credits. I explicitly asked BOA to get ( & provide me ) with proof from the vendor that I had received the products & with bills that were supposedly sent to me but they neglected to do so & relied only on a single phone call with the vendor who verbally said the charges were valid. I called BOA numerous times to reopen my claims, credit my acct, & to block future billing. In addition, I met my local BOA branch manager & asked him to escalate the fraud to the regional Mgr. I also pointed out the BOA claim detail was incorrect & needed to be fixed. We both ( again ) called the fraud Dept. to attempt resolution. BOA neglected to correct & reopen my claims & I never heard from the regional Mgr. I spent over 30 hrs & 5 mos. trying to resolve this, ultimately to no avail. 
I received a ltr from the FTC ( XX/XX/XXXX ) notifying me they sued & won a case against this very company that defrauded me out of {$1200.00}. I again contacted Bank of America fraud Dept. asking them to refund my {$1200.00} since the FTC substantiated the very fraud claims I previously reported. I spent another 1 hr & 40 mins with the BOA rep reviewing all the claim data ( dtd XX/XX/XXXX-XX/XX/XXXX ) & she opened case # XXXX ( XX/XX/XXXX? ). She advised me it would be escalated to a supervisor immediately & BOA would contact me. As of today, XX/XX/XXXX, I have ( again ) received no response, no claim has been opened, no credit issued to my acct. & this matter is still not resolved. 
It was bad enough for a vendor to get away with stealing {$1200.00} from my acct. but BOA 's financial neglect to properly investigate the fraud, stop it from recurring & to not properly pursue resolution, is unconscionable & only adds insult to injury.

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 11-11-2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was transferred to LoanCare XXXX from XXXX Bank on XXXX. As of XXXX I still have not received any information from LoanCare on how to make any payments on my loan. After I contacted my old servicer, XXXX, they gave me LoanCare 's website and my new loan number for LoanCare. After using this to log on to LoanCare 's site, LoanCare will not honor the full 15 day grace period in my loan documents, and insists on charging extra fees to process payments after the XXXX day. In addition, I have written an email to LoanCare and called and waited on hold for 30 minutes before I was hung up on. I have still received no response from LoanCare.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Trans Union has re-inserted information in my credit report that is not valid or false in regards to a car loan with XXXX and XXXX. They have incorrectly reported that I have missed several payments with XXXX and they continue to report information in regards to XXXX that is inaccurate.

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 01/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XXXX/XXXX/2015 I visited the XXXX XXXX store in XXXX XXXX Ohio at XXXX to purchase a no contact phone ( prepaid ) for my teenage daughter forget birthday that day. I found the product that I wanted and upon check out and activation the sales person asked for my drivers license. He said it was protocol - I found it odd, he was in the " post sale '' screen, the rep had to ask for help over six times in the transaction - my checkout took over 50 minutes to check out. The rep then told me that in order to complete the " sale '' I needed to input my social security number - he told me that XXXX XXXX XXXX required it. I input the requested info and then I discovered he ran my credit ; I never gave them permission to do so and furthermore to purchase a prepaid / no contact phone a credit check is not warranted. When I complained to a manager and asked if my credit was run he said no it was n't - he said the rep did n't get that far ; he lied. Later that evening I received an alert that XXXX XXXX had in fact ran my credit ( without my consent ) I contacted XXXX XXXX the next day spoke to a manager who apologized for the mishap but nothing was done about it. I have been trying to raise my score so that we qualify for a home. I was told that it was illegal for XXXX XXXX to take advantage of me ; through out the " check out '' the rep kept trying to push me into a contract phone - I continued to explain I did n't want a contract - I believe he attempted to tak advantage of the transaction - if I would have gotten a " contract '' phone then he would have gotten commission. My credit score dropped as a result of their negligence and I believe they should pay for what they did to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient is charging me exorbitant late fees and are paid back by spreading my payments to the late fees only. The prinicpal and interest of the loans are accumulating. As well as the penalties and late fees as I am in repayment. They currently want the whole loan paid in full and will not take less. I make payments but they still report negatively on my credit score impacting my ability to finance. I was defaulted on my loans before I even graduated XXXX. So once I graduated, XX/XX/XXXX, I was in default for non payment of loans whilst still obtaining my higher education. My loans on my credit report state that they stem from XX/XX/XXXX which is a major discrepancy as the loans stem from XX/XX/XXXX-XX/XX/XXXX. They are not reporting on my credit report properly and when I contact them I am hung up on and no return calls are made to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Student loan (Federal student loan servicing) with Performant Financial Corporation (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello I was told I had to file 4 or 5 different complaints by your customer service people. this Complaint will be about Performant Recovery. 

Back in XX/XX/XXXX, Performant Recovery came after me. They committed several law violations. 
1. They only gave me a 15 day notice instead of the legally required 30 day notice. 
2. They never reported any of my social security garnishments to any credit agency which violates the Fair Credit Reporting Act. 
3. I do believe from time to time they robo called my house which might have violated the Fair Debt Collection Practices Act, but it definitely violated the Telephone Protection Act of XXXX. 
4. With all of the money I have paid Federal Student Loans I do not know if the fee I was charged by Performant Recovery would be legal. I did write the US Dept of Education previous collection agency some checks. 

I have made over 500 complaints to the Federal Bureau of Investigation regarding robo calls. I made those complaints through XXXX so you people can probably easily look those up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The XXXX is selling fake consumer debt portfolios to collection agencies. The XXXX is collecting these monies to unjustly enrich its stakeholders and/or increase its stock value. 

The XXXX 's is an apartment complex for students at the University of XXXX. 

I never had a valid contract with the XXXX because I 1 ) failed to obtain a guarantor or 2 ) failed to paid XXXX ( XXXX ) times the month rent as a deposit. 1 or 2 were an essential condition of the application to rent ; the XXXX now claims was also a rental agreement. I did not meet the conditions of the application to rent, Therefore a contract does not exist. 

The XXXX sold a fake debt in my name to Southern Management System, XXXX XXXX XXXX XXXX, FL XXXX, ( XXXX ) XXXX. 

The XXXX did not take a particular dwelling off the market since The XXXX never received a completed lease agreement and any other required information or monies to rent that dwelling.. There is no original of the Lease Contract because it was never fully signed since I did not meet the essential conditions of the application to rent.

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 05/23/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: These calls are coming in to my employment, cell phone and family and friends phones who this pathetic company should not even have..how did they get some guys number i used to be friends with? This guy contacted me on XXXX and said some XXXX are hounding him, looking for me. and stating that I have a debt that must be paid. They threaten by saying police will come and that i need to hire an attorney. sometimes they call at all hours of the day and say nothing, then call again and say nothing. These methods have to be illegal in some way?! Shouldnt they be forced to send state certified letters with seals stating that the debt is mine and then set up a payment arrangement of some kind? I get trying to collect debts but theres a better way than harrassing, IT NEEDS TO STOP

Company response to consumer: Closed with non-monetary relief