milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I owe a debt to XXXX XXXX credit card. The debt was sold to an organization called Portfolio Recovery Associates, LLC. I have  been making XXXX dollar payments each two weeks however the organization continues to call me at least two times per week trying to collect the debt. I have received calls from XXXX XXXX XXXX, XXXX ga, XXXX Fl and other unknown locations and it is always the same collection agency. I explain to them I have been making payments and they can stop calling me if I am paying them every two weeks to resolve, but they continue to call. I wrote the customer service dept of this agency and requested they stop calling, still they continue to call. Each time I speak to them the say " yes I see you are making payments, but you have no set payment schedule on file which will stop us calling you. '' I do not feel I should have to put any information on file with them. I do not feel I need to make any type of agreement if I am paying the account. I do not feel I should be called numerous times when I am making payments. This is harassment. I especially feel uncomfortable providing any information with callers from numerous states. I have received callsXXXX, XXXX, XXXX, XXXX, XXXX,, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX in 2017. This is ridiculous please make them stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2017 about Checking or savings account (Savings account) with BMO HARRIS BANK NATIONAL ASSOCIATION (MN).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened an account with a coupon that I would receive a promotional credit upon meeting requirements. I met the requirements ( the bank confirmed this ), but the banker did n't add the promo code despite assuring me that they did, so I did n't receive the promotion. When I called their toll-free number, they would n't resolve the issue.

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 11/17/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: I submitted a complaint against Scottrade Bank, regarding a dispute about unauthorized transfers within my Scottrade Bank and Scottrade Brokerage Account. Scottrade Bank did not respond to my complaint after three weeks. I then sent a certified letter to Scottrade Bank asking about their dispute resolution procedures and have still not received a response months later. I submitted a final complaint asking about if there was an arbitration contract and how I could initiate a XXXX party dispute resolution process. Scottrade Bank did not respond. 

I am writing to the CFPB, in hopes that a cooperative resolution resolution can be reached where Scottrade Bank and their affiliates provide appropriate responses to my inquiries. Based on the behavior of Scottrade Bank and their employees, I am worried that Scottrade Bank is attempting to " bury '' this issue because investigation into the matter may reveal corporate or employee fraud and wrongdoing. 

I have attached a draft document outlining some of the actions by Scottrade Bank and intend to follow up until this matter is resolved.

Company response to consumer: Closed
Consumer complaint received 09/28/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Struggling to pay mortgage

Complaint: I am currently in mediation with Ocwen on my mortgage. I went to a housing counselor and she helped me submit a request for modification. Ocwen turned me down because they said there were numerous credit inquiries and collections on my credit report. I obtained a copy for myself and the information they said was there is not. The only bad account, other than the mortgage, is a doctor bill. The reason that was not paid by medicare is because the doctor 's office delayed to long to submit the charges. I have one credit card and the payment is listed as never late. I also had a small loan at the bank which was paid off years ago and it states that it was never late. I do n't think they even really considered my application because i received a denial letter one week after they said they had all the information. I am XXXX years old and sometimes i feel like they think I do n't know any better so they can do what ever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax takes ONLY the corrupt institutions ' word for whether or not an account is mine or not.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Prepaid card (General purpose card) with CITIBANK, N.A. (PA).
Issue: Managing, opening, or closing account

Complaint: I called the phone number to activate the card. It prompted me to enter a pin. I entered the pin. When it prompted me to confirm the pin, the line went quiet. The message said it was unable to activate the card. I called back and had the exact same experience. My phone had full bars for reception. Citi is making it very hard or impossible to activate their card. The activation phone number is XXXX. This is a prepaid debit card issued by Citi on behalf of 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 non-monetary relief
Consumer complaint received 05/14/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: Bank of America made changes to its processes that affected accounts where new cards were issued. After more than two months of following up with the bank regarding my credit card, my account has still not been credited reward points. More egregiously, my account has been charged a debit that is erroneous. The " charge '' is because the account shows XXXX credits where there should have been XXXX. The problem is the XXXX credit is on the old card that I did not receive benefit from. Bank representatives acknowledge this error and just keep telling me that the system will fix itself and that they are working on it. However, this has gone on too long and believe that something should be done. The reward points is XXXX thing but the extra charge that has been on my account for almost three weeks is another.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (Conventional home mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (AZ).
Issue: Struggling to pay mortgage

Complaint: we tryed several times to refinance or loan modification and was turned down they stated that they just werent interested in doing that we pleaded to them because we could no longer make the high payments because my spouse was no longer able to work, and our saving were gone so we couldnt make the payments. my wife got into a car accident and couldnt work for 3 months and we fell behind in our payment we got some what back on track and tried to make up the payments and couldnt get statement from them to get money from 401k hardship fund by the time they complied we didnt have enough to cure all the cost, we sent them  XXXX  dollars the amount thet quoted us in writing to make up the payment, then said we owe more, and they were going to foreclose in   XXXX   XXXX   2017 we just want a payment we can afford to live in our home im applying for SSi im  XXXX  years old and hopefully they will grant it, we have no ideal whats going to happen now so any help would be a   XXXX   send.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (LA).
Issue: Managing the loan or lease

Complaint: 1. I purchased XXXX insurance that was suggested by Ally Financial, however, my vehicle was not covered entirely by this insurance and now I have a charged off account on my credit reports. 
2. I may have a collection account on my credit reports because the XXXX insurance I paid for did not cover the gap between the purchase price or amount owed on loan and the value paid out by both the insurance company and the XXXX insurance company.

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 03/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I initially disputed an account, which came back as verified. I believe that the investigation is questionable.

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 03/24/2017 about Debt collection (Payday loan) with Ashfield Management Services Inc, (TN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I live in TN. A third party debt collector in XXXX, NY, dba Ashfield Management Services, representing XXXX in FL, is attempting to collect on a payday loan from XXXX, which is allegedly a tribal entity in CA. I have been working with a consumer advocacy/ debt management company to resolve old debts, and the the original creditor was notified in writing by them and by me. Representatives from the above debt collector, Ashfield, have continuously called my workplace, even after being told not to call and that we ca n't accept personal calls at work. They repeatedly shared information with other employees in my office about the issue and told staff members that if they were n't allowed to speak with me they would come to my work and serve me a warrant. When I called them back, " XXXX '' refused to properly identify himself as a debt collector and could not tell me for sure what state the creditor was located. He was very loud and abusive/ aggressive and made numerous threatening comments about " serving '' me at work and recommending the creditor sue me. When I requested the original contract with the creditor be sent to me, he said he did n't have that, and there was no signature page because I borrowed online. He originally said I owed {$500.00}, but later said I owed them {$830.00}. I told him to stop contacting me at work or during work hours. He continued being aggressive and loud so I hung up. He called me back at least one more time, maybe twice. Later yesterday, I received an email from a XXXX at Ashfield Management Services claiming I owe {$830.00}. XXXX is not licensed in my state of TN to offer loans, and the terms of the loans, including interest rate, loan amount, and renewal are not legal in TN. Can you advise me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: As a struggling single parent with student loans from Navient/ XXXX XXXX XXXX XXXX contacted the the loan agency to find out how I could repay the loans. They guided me to to get a forbearance on my loans. So I went with their advice and years later my small loan is now almost XXXX. I have been receiving calls after calls for payment, and a few months back I tried to set up an arrangement and it was going to be 30 a month and the balance when paid in full would be XXXX this is absurd. I like so many have good intentions to pay but this is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (TX).
Issue: Fraud or scam

Complaint: I purchased a rush card in XX/XX/2017 for my federal income tax to be deposited. I received my income tax XX/XX/XXXX. On XX/XX/XXXX XXXX some one in XXXX made 3 transactions and ended up taking off my credit card XXXX. I contacted rush to let them know and cancel the card. They told me I had to go through a dispute to get my money back. I filed a police report and also faxed the dispute papersthey needed signatures for on what took place. I called customer service to see if they received the fax that said it takes 48 hours. I called 2 days later and they decided they made their decision and I will not be getting my money back. Customer service would not let me talk to a supervisor. I was also told they will refund me back my money XX/XX/XXXX. Now I 'm being told I wo n't be getting it. They also suspended my account and canceled my credit card and sent me an email saying they were going to be sending the remaining balance in my acct which is XXXX. I would like to take further action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Mortgage (VA mortgage) with LENDER LIVE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Suddenly, got a call from XXXX ( in XXXX ) that we had missed XXXX loan payments ( XXXX & XXXX ), but our loan had been sold in XXXX last year to LenderLive, not XXXX When we called XXXX, we were told that " for some reason '' a welcome letter had not been sent, so we asked for it. Also, to-date, XXXX is unresponsive, about why they did n't pre-tell us that this change was to occur ( and who they sold it to, so we could make the necessary auto-pay changes )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am a  XXXX   year old s ingle mother of  XXXX  trying to repay my {$72000.00} student loan since  XXXX . Over the years I received deferrments and have been on the income based plan, which made my payments affordable. My payments were $ 1 XXXX /month on the  Income-Based Plan.  In  XXXX  I receive d a Parent Plus Loan for my daughter 's college in the amount of {$18000.00}. When my daughter grad uated, in  XXXX , it was time to repay th e Plus Loan at $  XXXX /month. I spoke to various representatives trying to find the best way possible to afford these payments. They suggested I  consolidate the  XXXX  loans and have only 1 monthly payment and my payments would probably be close to the same under th e Income-Based Plan. I applied, it processed, and then I received a monthly statement for {$670.00}. When I was finally able to reach someone, they informed me that you ca n't have an Income-Based Plan with a Plus Loan and it was too late to change the loan. I spoke with a manager, who offered no other options. As a single moth er with  XXXX  kids still at home, I ca n't make this payment without selling my home. To make matters worse, the stress and anxiety related to my financial situation has caused me physical problems. I ended up in the hospital and I am now on medical leave with no pay. I do n't know what to do. Every time I call it seems no one knows whats going on and it is very disorganized. Any help would be appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX our current mortgage provider was XXXX XXXX XXXX. In XX/XX/XXXX Ditech would take over. Payment for XX/XX/XXXX check # XXXX was mailed to XXXX check cleared back on XXXX XXXX. We have called Ditech to dispute XX/XX/XXXX payment with no resolution. Ditech has image of check and promised payment would get applied to account back in XX/XX/XXXX. Still nothing, at this time i am in the middle of a refi on a different property and the are requesting a letter from Ditech. Numerous calls with promises they will take care of it and no resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Experian has been notified six times of the error regarding XXXX XXXX and the fact that they are reporting obsolete and outdated information. <P/>XXXX XXXX is an account that is more than 7 years old and it should be eliminated from the section of " accounts that may be considered negative. <P/>I just received a credit report today where they changed the status of this account to reflect the following statement : Account charged off {$1400.00}. Past due as of XXXX 2017. This was on report XXXX. <P/>They have now re-aged this account because prior to this new credit report the account status stated the following : This account is scheduled to continue on record until XXXX 2017. This was on report XXXX They can not arbitrarily changed the age of this account. They have made a serious error and I want this account removed. I sent them information from the original creditor showing the ledger of payments to prove that this account went into default by being past due in XX/XX/XXXX. I want this account removed immediately. <P/>AGAIN, EXPERIAN CAN NOT RE-AGE AN ACCOUNT. IT MUST BE DELETED. I WANT THIS ACCOUNT DELETED FROM MY CREDIT REPORT IMMEDIATELY!!!!!

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 10/23/2015 about Bank account or service (Checking account) with BANCORPSOUTH BANK (MS).
Issue: Problems caused by my funds being low

Complaint: I was a customer at Bancorp South. My checking account came with fees and thats understandable. I had maybe.XXXX cents in my account when the bank assessed a fee of {$10.00} for my monthly fee which through my account in the negative. Then the bank charged me a countinuous overdraft fee of {$36.00} beacuse when they assessed the {$10.00} fee it through my account in the negative. Then the bank assessed a fee of {$5.00} because i had the XXXX XXXX card and it came with a yearly {$5.00} fee. They then closed my account after 30 days because of the negative status. Now the bank has turned me in to the XXXX company as if i was writing bad check or something. And then they sent me to a debt collector saying i owe them XXXX something dollar.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this company XXXX XXXX account XXXX XXXX XXXX has an account on my credit report that does not belong to me. This has caused me undue stress as my XXXX XXXX has increased. I have just retired and my physician recommends a warmer climate to live in and with this account on my credit report it has been hindering my move. I would be eternally grateful for your help in removing this error from my Experian credit report.

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 04/15/2016 about Payday loan () with Advance America, Cash Advance Centers, Inc. (CO).
Issue: Can't stop charges to bank account

Complaint: Advance America XXXX, Colorado continues to charge my account the wrong amount bi-weekly. I have not authorized the amount. I have called them multiple times regarding this and they choose to avoid it and continues to try and withdraw the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I started receiving calls from Ad Astra Recovery in the beginning of XX/XX/2016 in regards to an alleged debt owed of {$730.00}. I had no idea what was going on so I sent multiple of dispute letters starting in XX/XX/2016 until now. Astra Recovery simply ignored my request for validation. They were reporting to all XXXX bureaus ( XXXX, XXXX and XXXX ) of this debt. In an attempted request for validation notification of this debt, Astra Recovery has failed to send me any proof of validation per law. It 's now been 9 months. In review of my credit report within those 9 months, all Astra Recovery stated was that account was disputed by consumer and met FCRA requirements. 
Astra stated that a validation letter was sent to me along with 9 other letters. I never received a validation letter because if that was the case I would have disputed it the moment I received it. I 've attached a copy of one of the letters that I actually received of which Astra states is part of the validation only per law states otherwise. 

Astra states they will send the validation again but have not yet to receive it. This ignorance of request for validation has gone on for almost a year and per law needs to be removed from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Prepaid card (General purpose card) with PAYPAL HOLDINGS INC. (CA).
Issue: Managing, opening, or closing account

Complaint: Hello, I am writing to complain against PayPal Inc for purposely limit my account and hold my fund from being accessed. 

On XXXX XXXX, I wrote an complain against PayPal for loading money into my account using PayPal cash card. The problem was solved yesterday ( XX/XX/XXXX, XXXX ) and I was able to loading fund into the specified account. Since PayPal has a limit for loading money everyday using cash card ( {$500.00} per day ) and I have XXXX cards for {$1000.00}, I need two days to finish loading ( yesterday and today ). I loaded the XXXX cards this morning, and wait for the fund to be settled ( according to PayPal, it requires one day ), and several hours later just after my loading, I received an email says my account was locked. It shows apparently that PayPal purposely let me load the money but lock the fund immediately after that before I even have a chance to use it. I called customer service to request my funds back but was told to wait for 45 days for no reasons. This is what had happened. Thank you! 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief