milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, I submitted my deposit from XXXX, a non-profit where my position is publically grant funded, for around {$2200.00} ( I ca n't access my paystub from my computer ) to Bank of America. That day, I was able to spend around {$80.00} but did not try to use until XXXX XXXX ( to buy XXXX presents and groceries ). When I tried to pay for groceries, my card was denied. When I looked on my phone for my funds, making sure I did n't overdraft, it had my account locked and I called Bank of America. They said I would be able to access my funds from a week from my deposit. The next Tuesday, I went to Bank of America in person to close my account and receive my funds, but my account was closed and I was n't notified. When I asked why my account was closed and where my funds were ( roughly {$2100.00} ), they called the Risk Dept. which told me they flagged my account because my check had been thought to being tampered with ( my check is again from a XXXX ). They said on XXXX XXXX, they would either send me a cashier 's check for what is in my account or discuss the fraud. Today, XXXX XXXX, I called and asked where the check has been ( since it has been two weeks and it should n't take that long to put a check in the mail ). I talked to three different people, totaling around an hour, and ended up being sent to the " escalation dept '' - however, I 'm a social worker and made it to stay calm during the whole process. I was told from one person that in order to gain my funds, I needed to send a letter from my organization telling Bank of America the check was legitimate ; I was then directed to another department and told they were going to email the people who hold funds, could n't talk to them, and in 1-2 days I needed to call them and see what actions I needed to take in order to gain the funds " I believe are not fraudulent '' ( again, I work for a non-profit organization and have no past of criminal or fraud records ). I asked during this time, why was n't I notified, why I was told they would send a check XXXX ago but not notified of any actions, why I have to initiate all of these actions to funds they are holding even if they are legitimate funds.

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 06-03-2016 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: {$200.00} on a. {$400.00} which will make the total amount {$600.00} loan they told me thats the intrest and principle on the first payment i wanted to pay their principle and intrest off leaving remaing balance of XXXX the next month they want to place another XXXX agin which they saying the intrest anr princilple on the XXXX making it {$600.00} agin so they would get an extra {$400.00} out me they qoat some bougus principle and intrest amout after called them i try to resole this but they go around in circles like they program to say samething and i ask to speak to the manger its not a manger this loan company is called big picture loans i want to know if its legitimate business also they stated that i was a value custmer and get discount XXXX off did not get it also when i ask for corporate number they said was a email

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (Mortgage) with PNC Bank N.A. (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Letter from LawyerWe have completed an examination of your bankruptcy case and spoken with our lawyer. It appears to us that the firm has done nothing which has injured you. Understanding our position requires some understanding of a complicated and, in some ways confusing set of laws relating to the bankruptcy and the real estate which you own. Your state has an exemption for a certain amount of equity in real estate. That is to say in a bankruptcy the creditors can not sell your residence to satisfy their judgment if you have less equity in the home than the amount of the exemption. The bankruptcy court can only order a creditor whose judgment has matured into a lien on your property to release that lien if you have equity in the real estate and that equity is less than the amount of the exemption provided under your state 's laws. 
The problem here is that at the time of your bankruptcy you had no equity in the house. That is to say the amount of the mortgage was equal to or greater than the fair market value of the home. Under those circumstances the court can not enter an order to avoid the lien of the judgment. There was nothing that could have been done to get the court to do that. We attach hereto a copy of the Court 's opinion on our motion to avoid the lien which states what I have just told you. 
While there was n't a motion filed during your bankruptcy to avoid the lien, the Court has made it clear that it would have denied such a motion in any event. This does n't mean that you still owe the money to that creditor. You do n't! The judgment and the debt are discharged. The creditor can not take any action against you to collect the debt or enforce the lien. You should be able to refinance your mortgage without worry merely by showing the lender that you received a discharge in bankruptcy. 
I hope this is helpful and that you will be able to fulfill your economic plans in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (Payday loan debt) with BTH Management (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I noticed on my credit report that there is a collection account from Plaza Services in the amount of {$1200.00}. The account was opened on XXXX-2016. I have never had an account or contract with Plaza Services. I get several calls and text per day stating that I need to pay this account or I will be taken to court and sued. Also received a call from a lady stating that she would be sending someone to my job with litigation papers. I have told Plaza Servies several times that I do not have an account or contract with them and asked that they remove the information from my credit report and stop contacting me. To date they are still reporting and still contacting me daily.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Credit line increase/decrease

Complaint: I received a letter from my credit card company ( Barclays ) advising me that my credit limit had been reduced based on a report from transunion. I contacted the cc company and advised them that I had never missed a payment or had any issues with this card and I do n't understand why my limit was decreased. I was told that XXXX sends recommendations to the cc company and the decisions are made by computers not by humans and that there was nothing that I could do about it. I am filing this complaint because this is abuse by the credit reporting agencies. This decrease resulted in the lowering of my credit score because my available credit was reduced. I think that the credit reporting agency and the cc company have harmed me. The information that was provided by the credit reporting company had nothing to do with my cc and were not a result of any transaction on my cc but yet my cc limit was decreased, which in turn caused a decrease in my credit score because of the reduction of available credit. This is a combined effort of the credit reporting agency and the cc company to hurt my credit score and I do not think that this is right or fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Between XX/XX/XXXX and XXXX 2017, Wells Fargo began taking {$5.00} a month because my savings account was below {$300.00}. I did n't receive clear warning or notice of this fee.

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 01/22/2016 about Debt collection (Medical) with Receivables Management Corporation (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I did not have the money at the time, but do now and would like to resolve this debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Wilber and Associates, P.C. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/XXXX I was contacted by Wilber and Associates regarding an accident I was in on XXXX/XXXX/XXXX and to call back with the case number XXXX. When I did I was connected to a woman who identified as XXXX who stated that I owed over {$7000.00} to XXXX XXXX as I was found at fault in the accident and I had no insurance. I informed her that this was incorrect, the accident was no fault, and, not only do I have insurance, I have full coverage insurance. At this point she became rude, yelling and refusing to let me talk, and stated that she will file with the state to have my license and registration suspended if I do n't pay. I again told her no, and that I would have my insurance contact them to verify what I had said. She continued to yell and tell me she was a lawyer and that they had already been to court to settle this and I missed the court date. At no time was I sent a summons and had received nothing in writing from this company, so I was unable to sent a letter disputing the validity of this debt as I had no address for them and was unable to find one. I contacted my insurance agency on the same day, and they stated that I had nothing to worry about, they were unable to suspend my license as I had full coverage and was not deemed to be at fault, that they would contact them and clear it up. On XXXX/XXXX/XXXX my insurance company stated that they refused to speak with them when they called. I heard nothing again until XXXX/XXXX/XXXX, at which time I received a letter in the mail stating that they sent a request on XXXX/XXXX/XXXX to XXXX to suspend my license. I called them at the number and they stated that my insurance told them they are not responsible for this money and therefore I am uninsured at the time of the accident. I told them this is not what my insurance had informed me, she said it 's going to go through no matter what I say. I told her that they need to speak with my insurance agency otherwise I will be calling back with a lawyer, at which time she hung up on me. I called my insurance back and they stated again that there is no debt I am obligated to pay in regards to the accident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have {$4400.00} or so on my Student Loan, But that total has not really went down Since XXXX When I checked back with XXXX XXXX Back in XXXX how long it would take to pay of the money at that time was {$5600.00} so I started to pay on the loan {$73.00} a month and have been paying every month it now XXXX and this amount it is now {$4400.00} how in the world does that work, so over the past from ( 9 ) years all that I paid in principal is {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I REQUEST MY FREE ANNUAL CREDIT REPORT FROM XXXX AND I PUT ALL MY INFORMATION AND AT THE FINAL STEP WHEN I DESIRE VIEW AND PRINT IT THE PAGE DID NOT GIVE NOTHING, I ENTER AGAIN AND THEY SAID ME THAT I ALREADY HAVE RECEIVED MY CREDIT REPORT AND NOW I SHOULD BE PAID FOR A COPY. 
PLEASE, HELP ME

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: XX/XX/XXXX vehicle was repossessed for XX/XX/XXXX payment even thought we discussed that payment being made XX/XX/XXXX. I have not had this trade line reported accurately since XX/XX/XXXX. It shows up as paid/closed. I contacted XXXX XXXX and the bureaus and they did nothing saying the company has undergone a systems update since XX/XX/XXXX and it would be accurate XX/XX/XXXX. NOT ACCEPTABLE. I recently incurred my 1st late payment when I tried to trade in the vehicle. I learned it was sold to me as a lemon. I was provided fraudulent car facts, and at the time of purchase the car was worth about 3000 well I paid XXXX already only the care and the company is asking that the loan be bought to XXXX for a mod meaning I was charge {$26000.00} for a {$3000.00} car. I made the XX/XX/XXXX payment with the understanding that I would get the MOD but when I did the company started throwing numbers my way asking for more payment. I am just done. I mean One you haven't reported that I paid you ... I could have had my mortgage last year had they accurately reported now that I'm over this predatory loan and need it modified you repo the car saying you will report the repo in XX/XX/XXXX/What happened to the current payments for all of XX/XX/XXXX and all of XX/XX/XXXX. This is simply unfair. What needs to happen for the consumer to be fairly treated?

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 11-06-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been trying to get my equifax credit report for some time now. everytime I try to get it I get told to call in to verfiy my identity. This happened tonight and I called into verify my identity and the woman on the phone was extremely rude and HUNG UP ON ME and would not give me my report or scores. I URGE equifax to listen to this taped call as she was rude as can be and did not transfer me as requested. She would not help me and claimed she could n't get my report nor find someone to help me. Now a few years ago EQUIFAX MIXED UP MY IDENTITY AND CREDIT REPORT with a woman in XXXX. I am in XXXX. I had to escalate to their executive team to get help and I fear this needs to occur again as I think they mixed up my identity again. Before I file a police report and law suit I need equifax to give me the report on file for me. I called, email, and try the website and no one will help me. Please FIX THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The Consumer Financial Protection Bureau ( CFPB ) helped me with having my Bank of America account ending in XXXX reported by XXXX and XXXX ( thank you! ). Upon reviewing the credit report, however, the High Credit balance is being reported as {$14000.00} ; but my credit limit has never been above {$13000.00}. I spoke to XXXX at Bank of America on XX/XX/XXXX, and he confirmed my credit limit was increased from {$10000.00} to XXXX on XX/XX/XXXX. He could not locate a high credit balance of {$14000.00} from XX/XX/XXXX to the present. He stated I would need to start a dispute with XXXX. I submitted a dispute with XXXX the same day ( XX/XX/XXXX ) under confirmation number XXXX. XXXX responded on XX/XX/XXXX with dispute results ( attached ) indicating Bank of America verified the high credit balance is being reported correctly. XXXX also indicated additional questions should be directed to Bank of America. The XXXX dispute report includes Historical Account Information listing a " High Credit '' balance of {$14000.00} dating back to XX/XX/XXXX ( i.e. XX/XX/XXXX ). I could not have had a high credit of {$14000.00} in XX/XX/XXXX because my credit limit was only {$13000.00}. Bank of America would have had to provide some type of waiver for me to exceed my credit limit. Also, per my previous discussion with the Bank of America representative, no {$14000.00} balance exists on my account dating back to XX/XX/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 non-monetary relief
Consumer complaint received 09-08-2015 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (AR).
Issue: Loan servicing, payments, escrow account

Complaint: Last year ( XXXX ) we bought a house and financed it through XXXX Bank. Later the loan was sold to BB & T bank. Last month ( XXXX ) we refinanced our loan. With the refinance process, a new escrow account was set-up with the new lender XXXX XXXX Bank XXXX and it was funded at the close ( for about {$2500.00} XXXX We have already received the letter from BB & T ( the previous lender ) that the loan is paid off. At the time off the refinancing, BB & T had about {$2100.00} dollars in the escrow account. Since then I have asked BB & T various times over phone and via their secured online email process that when the escrow will be refunded back to me. So far I am not getting any straight answer. 

I want them to return BB & T my full escrow amount without delay and would like your help in resolving this without delay. 

Thank you for your help in this matter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my credit report from Equifax it shows a bill in collection. I called this company, all bills are paid on time. I need this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (Payday loan) with Internal Check Systems, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This company continue to contact my family members and landlord also my job. I have no idea how they are getting my families information. No one they are contacting are a reference. Also I spoke with a very rude man that called my job. He XXXX XXXX said he had a warrant for my arrest and when I asked him for what his response was he did n't know, that 's strange if he had a warrant. These unprofessional, illegal collection need to stop. Over I asked him do not call my job again he called my HR dept. This was very embarrassing.

Company response to consumer: Untimely response
Consumer complaint received 12/28/2017 about Debt collection (Payday loan debt) with Alliance Group & Associates LLC (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: yes they called me and was very disrespectful i told them i work for a XXXX XXXX and by law if i req a bill sent in the mail they should she said to me u just dont want to pay and were gon na take it form your paycheck then she hugn up .. i called back she said get off my phn i am reporting you i said do what u have to do so i called back to get name of the company and tot tell them stop harrassing me she told me i am harassing her i said i callled bc u keep calling me XXXX XXXX this was on XX/XX/XXXX they are so rude and i do mind paying my bill but i rather pay by mail something isnt right on XX/XX/XXXX she threaten to take me to court and take it out of my pay there phn # XXXX i work for XXXX refusing to send me a copy of the bill is against fdpca rule

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
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: There is a paid lien ( XXXX ) on my credit report that has a redacted SSN. I've filed disputes with XXXX   as well as sending them a certified letter for which I got no response. Included is copy of the lien so that you can confirm it does not meet the rules set forth in the XXXX XXXX XXXX XXXX ( XXXX ) that states liens must have a full name, address, SSI ( full SSI, not partially or completely redacted ) and/or DOB to be reported on any credit file. XXXX is the new guidelines they are to follow which went into effect for tax liens and judgements on XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Portfolio Recovery Associates, LLC began calling repeatedly demanding payment for a debt they claim I owe to them. I sent a demand for validation. I requested to see proof of contract between myself and this company. In response they sent information regarding XXXX XXXX. To the best of my knowledge I have not had any relations with XXXX XXXX. I am not sure if Portfolio Recovery Associates, LLC is trying to work with XXXX XXXX or if they are trying to pull a scam on me stating they are part of XXXX XXXX. Either way there is no contract between myself and this company.

Company response to consumer: Closed with explanation