milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: the risk dept at bank of america closed my acct -- -this had to do with me being massive victim of gang crime gang stalking mud slinging incuding financial fraud identity theft burgaries theft etc..and complete lack of needed legal representation -- -i was customer since late XXXX XXXX XXXX which was late bought by bank of america -- -- after suffering from latest crime when all of my checks were taken i decided to chg account num -- they chgd my acct num -- then within couple of weeks after this happened or after 2 weeks  after XXXX XXXX-2017 apx -- -my crd stpped wrkg -- my online bnkg stopped responding and i learned they closed my acct -- they did give me my money back after i alrdy ordered new checks telling me to resolve my chk order with XXXX -- is there anyway to sue bank of america and wht kind of case wld this be??? -- i opened the new acct by XXXX  as instrctd by XXXX XXXX mgr

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 05/22/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Company is reporting on al l  XXXX   credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signiture for each article of mail Also sent me a letter in the mail from a lawyer who I do not have a contract with to pay Included all forms of communication in the below files, including the letter to the law firm. Also, the company is Synchrony Bank, Reports as Care Credit as well and now the law firm.

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 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My home was sold and closed via wired payment on XX/XX/2014. However, XXXX of XXXX of the lenders that held my mortgage are currently reporting it as active, and open. Please assist! I have attempted repeatedly twice in 2 years to clear this with dispute and phone call and it is still on my credit reports- Transunion , and XXXX. I was trying to get preapproved for a home loan and they made me aware it is still open. 
When I contacted XXXX, I spoke with Agent XXXX # XXXX. She also informed me she could see on their database that the loan showed closed, however she refused to per our request send an manual report- XXXX to correct immediately. Instead, she directed me to submit a complaint for investigation to their email- XXXX, she also took my name, number, and loan # for her manager XXXX to contact me. I am still waiting for that call to correct this issue directly through them. I have attached all information, and I thank you for your help in advance.

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 06/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did not receive notice from this company of my right to dispute this alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (NY).
Issue: Problems caused by my funds being low

Complaint: I have been getting charged insufficient fees from M & T Bank. WHen I call their customer service number, they tell me if I go into the negative, and bring it o a positive by the end of the next business day, that I will not get charged an insufficient fee. I have gotten XXXX fees in the art 2 months, and would like them credited back to my account. I did file a compliant with the bank itself, and a Manager called me, but, she said she could n't do anything about the call center calls, that someone else would have to handle that. I do n't agree with the fact that their customer service reps say one thing, then you call and ask if you can have the fees credited, and then they argue with you non-stop about it!!! Please help me in getting this rectified, as I would like to continue banking with this bank! Sincerely, A Very Dissatisfied Customer!!!

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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I purchased a new vehicle on  XXXX   XXXX ,  XXXX  at  XXXX   XXXX  in  XXXX , FL. For that purchase I traded in my  XXXX   XXXX  which was Financed with  XXXX   XXXX   XXXX ,  XXXX   XXXX  obtained a 10 day payoff in order to send   XXXX   the correct amount owed. I started receiving collection calls from   XXXX    around  XXXX   XXXX  asking for payment from me I stated that I traded the vehicle in on  XXXX   XXXX  and they should have received the payoff check from the dealership already. It turns out that  XXXX   XXXX  supposedly sent the check to the wrong bank which caused a delay.  XXXX  was aware of this but still reported me to the credit bureau as being 30 days late making a payment which I was never late in making my payments this was the dealerships fault in sending the payoff late which in turn they ended up having to pay more money. I am furious that my credit was affected by this. I disputed it with Experian but they did not remove it. The Dealership overnighted the payoff check on  XXXX   XXXX  and now my credit suffers because of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Medical debt) with North American Credit Services (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On complaint # XXXX which was filed with The Consumer Financial Bureau about North American Credit Services the collection agency agreed to remove from all 3 credit file, all account with their agency while they rebilled to XXXX XXXX. The accounts that were placed with XXXX credit were removed. However the same account were also placed on my XXXX credit and were not removed a total of 13 more accounts. Can you please request the removal of the additional 13 account that were placed on my XXXX credit file. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: They call before XXXX on Saturdays. It 's disruptive and annoying, plus it 's an robocall, which makes it even more annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Just received information about the lawsuit filed against XXXX to repay the loans that students took out based on their illegal predatory lending partners. I took out a private loan via XXXX XXXX when I went to XXXX XXXX in XXXX XXXX, New Jersey. The post-graduation hiring rates were vastly lower than expected, most of my classmates actually went on to work in different fields than that which they studied at XXXX. The " teacher '' must have had little to no teaching credentials seeing as the in class book work was rarely done properly. At the end of my program, expecting to receive more assistance than I did from the career services department, it took me months to get hired at all, and I spent the first month of employment working at an location who had no previous affiliation with the school and whose method of operation was horrendous. I was hired at my current location based on a recommendation by a previous classmate. This location had an affiliation with the school and offered a loan repayment incentive for all graduates of XXXX. XXXX services, however, did not mention that I had to be hired before graduation and also did n't push me to see this employer before graduating. I did not receive this loan repayment incentive and am now having trouble paying this loan back while I 'm also paying back my federal loans. I am being harassed continually by their collectors. My phone rings at least XXXX times on a slow day with them calling me. They have called me at work and at all kinds of obscene hours, both too early and too late in the day. I have tried to reach out to a loan forgiveness program when I heard that a classmate of mind received information on reducing her private loan debt, but the information was a dead end. I feel that XXXX did not hold up their end of the bargain and fed me to the sharks with this private loan. And now, since the lawsuit against XXXX XXXX has been taken up XXXX XXXX XXXX has since transfered it 's loan accounts, or at least mine to University XXXX XXXX, XXXX. I have been out of school since 2013 and paying back my loan since then, now having made payments to XXXX different companies and yet have only started to make a dent in the principal balance I borrowed. I have been paying them interest, emptying my pockets to line theirs and have been digging myself deeper into debt. I would like some retribution.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Consumer Loan (Installment loan) with NATIONSTAR MORTGAGE (NJ).
Issue: Managing the loan or lease

Complaint: I HAVE A LINE OF CREDIT THAT I GOT XX/XX/XXXX TO FIX MY HOUSE - THE LINE OF CREDIT WAS THRU ONE BANK AND SUBSEQUENTLY SOLD TO ANOTHER BANK. 

NATION STAR HAS SCAMMED ME AND TOOK MONEY FROM ME. 

NATION STAR IS REFUSING TO GIVE ME THE COPIES OF THE CHECKS THAT SHOW WHAT I TOOK OUT AGAINST THE LINE OF CREDIT. 
THE ORIGINAL LINE WAS FOR $ XXXX I ONLY USED {$30000.00} TO FIX MY FOUNDATION - WHEN MY HUSBAND DIED ( XX/XX/XXXX ) THE BALANCE WAS ONLY {$27000.00} + INTEREST. THE PAYMENT INCREASED DRASTICALLY I NOTICED THAT THE BILL WAS DOUBLED. I ASKED MY DAUGHTER TO HELP ME GET THE INFORMATION THE BANK IS REFUSING TO SHOW ME MY CHECKS TO PROVE THAT I TOOK AND USED THE WHOLE {$60000.00}. 
I THINK SOMEONE IN THE BANK TOOK MY MONEY AND IS MAKING ME PAY ALL OF THE MONEY BACK -THAT IS WHY THEY DONT WANT TO SHOW ME.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax removed all of my accounts from my credit report, then re-added them but without any payment history information, positive payment history, causing my score to drop XXXX points and therefore intentionally depriving me of the positive payment history reported to them. I am attaching proof of this via a report of the major XXXX obtain today. They refused to acknowledge the errors submitted in a previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Payday loan () with CURO Intermediate Holdings (MO).
Issue: Charged fees or interest I didn't expect

Complaint: My loan was due on XXXX/XXXX/2015 which I paid on XXXX/XXXX/2015. I was told my pay off would be {$550.00} on a {$300.00} loan so I paid it. The next day, I XXXX guessed that payment and called to inquire ; I was told by XXXX that she had to speak with XXXX the store manager and would call me back. I had not heard from XXXX so I called today, XXXX/XXXX/2015. XXXX simply apologized to me, stated there 's nothing she could do " days later '' and offered me another loan for {$200.00}. 

I stood in front of the person helping me and counted out {$550.00} and handed over a quarter. The girl handed me back a XXXX dollar bill and said I gave her {$550.00}. 

I was n't given a receipt or the copy of my contract. I was so disturbed over owing {$250.00} on a {$300.00} loan that I just walked out of the place. 

I have been taken advantage of.

Company response to consumer: Closed
Consumer complaint received 04-06-2017 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Billing disputes

Complaint: XXXX XXXX. I paid and mailed the {$51.00} charge on XX/XX/XXXX. Target delayed processing the payment until 1 day after the due date and then submitted a late charge. I have subsequently sent XXXX letters to XXXX different Target address. No one has responded to any of these letters ( see attached ). Note that I have perfect credit with unlimited charging available on my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: I leased a Nissan in XXXX and traded it in XXXX XXXX, 2 months before when my lease had ended. The dealership paid off the lease in full on XXXX XXXX, XXXX. On XXXX XXXX, XXXX a woman contacted my nephew and wanted my phone number and said that I needed to fill out paper work from Nissan. I contacted the woman immediately and informed her that I traded car in XXXX and car lease was paid in full. She said that I have n't paid payments on the car and she will let her supervisor now that I no longer had car and she will call me back. I checked my credit report in XXXX XXXX and discovered that the company had my credit lowered stating that I was 3 months behind on payments. I contacted the car company and I was informed that the car is missing and I am liable.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: On XX/XX/XXXXI used my home computer on the Flagstar 's website to request a balance transfer to pay off a XXXX XXXX XXXX credit card. After entering the transaction, I realized I put in the wrong amount. I called the Flagstar on XX/XX/XXXX@ XXXX XXXX & asked if they could access the transaction I just entered and correct the amount. The representative told me the transaction did not go through. She mentioned " if I did not see a disclosure statement, then it did not through '' She also told me that I should go back in and do it again. I chose to wait a couple of days and check to see if it was processed. After two ( 2 ) days, I could not see the transaction, so I used a courtesy check from the Flagstar and went into XXXX XXXX XXXX and paid off the correct balance. On XX/XX/XXXX I received a letter from Flagstar indicating they had in fact prepared and sent a check to XXXX XXXX XXXX. As a result, two ( 2 ) transactions were processed and my account has a balance reflecting both. I was also charged two ( 2 ) fees associated with the transactions. I called Flagstar on XX/XX/XXXX @ XXXX XXXX and spoke to XXXX. She told me the first representative did not know where to look for the transaction. We discussed her putting a stop payment on the check they sent to XXXX XXXX XXXX. I told her after the account was paid off, I closed it. XXXX left the phone and spoke to her manager and returned to tell me that XXXX XXXX XXXX would return the check to them as the account was closed. After I asked her if she was still going to put a stop payment on the check and she said " yes ''. However, XXXX did not. XXXX XXXX XXXX received the second check for the wrong amount and is still holding the credit on the closed account. I complained to Flagstar about the incompetent representatives and they indicated they would review the calls. Subsequently I received a call from a female supervisor who was nothing more that a liar. She told me they reviewed the second call and there was no mention of " stopping payment ''. I know this is a LIE as I was on the phone. They are only attempting to cover their XXXX in this. I wants a transcribed copy of the tape since I was on the other line. They are refusing to provide it to me and lying about the content of the call which lasted twenty-seven ( 27 ) minutes.

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 12/15/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: This is an addendum to the complaint submitted XX/XX/XXXX ... # XXXX. 

Today, XXXX, I received an official Notice of Default in the mail from Shellpoint 's attorney ... XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. 

Shellpoint is in violation of law in the State of California on two counts. 

1. Dual Tracking. I have been going through the loss mitigation options with Shellpoint and sent all the requested documents for a loan modification. I was never given an answer on this by Shellpoint and they were pursuing foreclosure without ever giving an answer. My original request was for forbearance due to financial difficulties and was never given an answer on this either.

2. Violation of Notice of Intent. A letter dated XXXX was received from their attorney saying they were going forward with foreclosure. But they had filed for notice of default on XXXX, filing before they even sent the letter of intent. Plus, they are required to wait 30 days after the Notice of Intent to file the Notice of Default. 

Shellpoint will not even acknowledge receipt of documents they requested of me for a loan modification. In fact, they requested the same documents more than once, even after I complied with the original request. 

Aside from this complaint, I have sent Shellpoint a QWR asking for answers. I am in the process of drafting a complaint with the attorney General of the State of California for violation of California laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Bank account or service (Other bank product/service) with PHH Mortgage Services Corporation (CA).
Issue: Account opening, closing, or management

Complaint: To whom it may concern, My name is XXXX XXXX, I was referred from my former California credit union to apply for a loan ( a Mortgage company from New Jersey PHH mortgage company ) to purchase a condo in XXXX. Beginning of XXXX 2015 that PHH mortgage company approved me at XXXX and informed me I would get a loan package via XXXX / UPS with documents that needed to be signed, information about the company, about the loan, rate etc. within 24-48 hours. I never received that package. Around 6-8 days later ( Friday XXXX/XXXX/15 ) I received an email from the loan processor, who contacted me with his info and informed me that he needed specific documents by Monday XXXX/XXXX/15 to process the loan. I called him up and told him that I was waiting on the package that the orig. loan consultant had told me, so that I can send them over the documents. I was waiting for a week and nothing had come to my address, I even had called the company many times to find out if they had sent the package out. 
I said to the loan processor guy that the time frame ( within 3 days ) to get him all documents by the XXXX of XXXX is a bit tight, because I work as a flight attendant and work transatlantic flights. He informed me that I can fax and email him all documents such as XXXX forms, income statements etc. and if he does n't get those documents by the XXXX my loan would fall through and I could not continue with the closing process. I scanned my documents and emailed what he wanted. Days later that PHH MORTGAGE company had done an appraisal on the XXXX unit/ condo that I was interested in and undervalued the property ( at XXXX ), therefore PHH suspended / froze the loan because they did n't think the bidding price at XXXX was ACCEPTABLE. In the meantime I paid for a home inspection at XXXX $ plus western union fees, and the PHH Mortgage wants to charge me a non refundable fee at around XXXX $ because the loan fell through. I called them up and said that they have n't rendered me a service because they never called me up or my agent when we wanted some updates on the process, they constantly delayed things and requested documents over and over again.those documents were already submitted by me or by my real estate agent. at the end they undervalued the loft, when the average prices of condos downtown XXXX are around XXXX and up.i believe they intentionally undervalued the loft to collect unreasonable fees from potential borrowers. Via Internet research it seems that PHH IS conducting business like that. 
It seems to me that this PHH mortgage company was scamming me and afterwards I was checking the Internet out and found out that they are taking advantage of consumers. They have many complaints with the consumer fair protection bureau, there 's is class action lawsuit against them for multiple fraud action. 
Warmest regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Bank account or service (Checking account) with Comerica (TX).
Issue: Deposits and withdrawals

Complaint: Made a payment to my employee through her bank account with Comerica Bank. Payment was debited to my account but employee never received the money.

Company response to consumer: Closed with explanation