milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: I applied to several XXXX postings at XXXX and one of them was from XXXX XXXX XXXX. The first email I received was XXXX XXXX 2017 from an email XXXX saying that it was tough to decide on the select group chosen for an interview because they received so many good resumes and that I was one of those selected for an interview. <P/>I was asked to add XXXX XXXX ( XXXX ) on the XXXX XXXX platform to undergo the interview process. According to them, she was an HR recruiter for XXXX. This XXXX person gave me all the duties and responsibilities of the position and asked me if I could handle the job duties if I were being trained towards it, I responded by saying yes, then she proceeded with interview questions. Once we finished, she said to check back by XXXX the following day via the XXXX XXXX platform for the decision. The next day they said I was chosen. <P/>I received another email from XXXX congratulating me for becoming part of their company and they attached an offer letter. <P/>Then they emailed me a check {$3000.00}. on XX/XX/2017 with instructions on how to deposit it via mobile through my bank Bank of America, and that I was expected to cash {$2800.00} of it and deposit to a XXXX XXXX account the following day to a person named XXXX XXXX XXXX who is the vendor in charge of sending me the training materials for pre-training. I believed it and so I did, I also thought that since Bank of America made the funds available the next day, then it was a legitimate check. On XX/XX/2017 they emailed me another check for {$4000.00}. and from there I had withdraw and deposit {$3900.00}. for more materials. <P/>OnXX/XX/XXXX. I went to what I thought was my first day of my internship at XXXX and the security guard could not find my name in their system. I was told that I was actually scammed and that they were very sorry this happened to me, and that someone also got scammed that same morning. <P/>I went straight to the police station and made a police report, I also contacted Bank of America but they are not cooperating with me regarding my situation. Instead they withdrew my checking and savings accounts to pay themselves back from the fraudulent checks. Now I have negative status on my account of - {$6200.00}. Additionally, Bank of America flagged my account to be closed XX/XX/XXXX which is not the standard time to close an account.

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 05/22/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continue to receive phone calls from Portfolio Recovery several times a week throughout the day ... .upon speaking with them I 've asked them for debt validation and until then please refrain from calling me..portfolio stated verification was sent numerous times..I stated not once have i received anything ... .so therefore I 'm not giving you any info at this time without proper validation ... and politely said goodbye and hungup ...

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: On XX/XX/XXXX XXXX responded to CFPB complaint still opened with XXXX alleging the account was closed and correctly reported. 

Based on my disputes from XX/XX/XXXX XXXX, XXXX, and XXXX has manipulated payment history and credit lines adding new derogatory information to closed accounts with Failure to Payment statuses. XXXX reduced credit on store card following a dispute to {$250.00} updating to paid after fraudulent new information they kept reporting after every dispute to reduce my score over the last 90+ days. 

XXXX did not investigate they give creditor unlimited access to make additional derogatory data for conflict after the next limiting consumer right to dispute each new reporting. XXXX has been making new activity ongoing

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 09/18/2017 about Checking or savings account (Savings account) with SUNTRUST BANKS, INC. (NY).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: My father, XXXX XXXX XXXX, opened a savings account online with SunTrust located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, P : XXXX. He did not submit a signature card to complete his application at SunTrust. 

My father is now XXXX as of XX/XX/XXXX and had no will nor assigned a beneficiary for his savings account or other assets. In agreement with my family then applied and received a Letter of Administration from XXXX County Probate Court to manage his estate. 
XX/XX/XXXX I brought my certified Letter of Administration paperwork in addition to my fathers certified XXXX XXXX to the XXXX XXXX XXXX XXXX Branch and spoke with XXXX XXXX, the SunTrust Teller on XX/XX/XXXX at approximately XXXX. 
XXXX XXXX took my paperwork and advised me that since my father did not submit a signature card, she will fax my documents to the legal department for review. 
I advised her that I lived in New York and could she please communicate with the legal department to inquire if I needed to complete anything else before I left the state. She refused and said that I would have to wait to hear back from the legal department and she had no idea of when that would be. 
I then called the SunTrust Customer Service Line and advocated my position. The representative asked to speak with XXXX and resulted in no further information on turnaround time or additional documentation that may be requested. 
XX/XX/XXXX I called the SunTrust customer service line to inquire about the status of the account and I was advised to contact XXXX at the branch. 
The customer service representative called for me as a courtesy and advised me that XXXX was not in. The representative went on to say that I needed to call the local branch repeatedly and bypass the option to leave a message with the manager until I got through to the branch. 
XX/XX/XXXX On Thursday, XX/XX/XXXX, after calling repeatedly for an hour, I got through to XXXX who advised me that she hadnt heard back from the legal department. I asked her to call them and advise me and she said that she would and return my call by days end, so I gave her my cell number. XXXX still has not called me with an update.

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 12/17/2017 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 information incorrect

Complaint: I was unable to make an online payment to my car loan with XXXX XXXX because their system was not working properly despite multiple attempts. See the provided screenshot taken at the time of the incident. Consequently I was marked as a late payment for XX/XX/XXXX.

PLEASE NOTE : The EXPERIAN data are reported one month behind, therefore this inaccuracy is shown as XX/XX/XXXX instead, while the XXXX and XXXX show 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 explanation
Consumer complaint received 08/26/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Since XXXX, I have been trying to modify this loan on my home which I built, have lived and worked in, since XXXX. I did, in another complaint against BofA, describe the trouble I experienced year after year with my modification applications for this negative arm Countrywide loan which has ballooned out of proportion in the process. 
I do not know when the Bank of XXXX acquired my loan as a " security ''. But I do know that their attitude towards my loan did not take into account any of the numerous mistakes made by BofA during the process, mistakes that caused me much grief and produced endless delays in the processing of my application, also causing this toxic Countrywide loan to balloon out of proportion very early on in the process.

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 03/14/2017 about Credit card () with CITIBANK, N.A. (OH).
Issue: Customer service / Customer relations

Complaint: I was notified on XX/XX/2017 by CitiCards that there was a fraud alert on my credit card. They sent me an email, a text to my cell phone and called my cell phone via IVR. I answered the cell phone call and after connecting and talking with the agent, I thought everything was taken care of. My card that had been compromised would be canceled and I would get a new card the next day. On XX/XX/2017, I get another call about the fraud alert, I explained to that agent I had already been called about the XXXX in question. My new card did arrive on XX/XX/2017. On XX/XX/2017, I got yet another call about the same fraud alert. I complained saying this was getting obnoxious. I filed a complaint through Citi 's web email. Got a response the next day ( XX/XX/2017 ) that it was being forwarded to the appropriate department to handle. On XX/XX/2017, I got yet ANOTHER call about the same fraud alert. I asked to speak to a supervisor, sounded like the supervisor was going to handle. I fired off another reply to the email stream to let them know their system is still broken and I 'm still getting calls. I got a generic response back that did not address my question - which is why am I continuing to get fraud alert calls when my card has been closed? So I let them know their reply did not address my question. On XX/XX/2017, I received 5 phone calls - 2 on my cell, 2 on my home phone and 1 at work. If they did n't reach me on my cell, 7 minutes later they called my home. A half hour after that, same sequence. I never answered any of them on XX/XX/2017 because there was no point. I fired off another reply to the email stream saying that this was harassment and what are they doing to fix this. I threatened in the email that I was going to cancel my credit card. I decided to call customer service on the back of my credit card. I complained that no one was trying to help me, that I 'm getting XXXX responses through email, that the fraud alert agents say they 're taking care of it yet I 'm still getting calls. Something has to broken in their system. I threatened that I 'm going to cancel my credit card. The agent was able to get through to a fraud alert supervisor. The supervisor told my agent that they would try another way to get the calls to stop vs just reporting the incident. Citi needs to get their act together on this. I ca n't be the only customer experiencing this.

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 12/19/2015 about Credit card () with CITIBANK, N.A. (AL).
Issue: Closing/Cancelling account

Complaint: I was charged an annual fee on my Citi Credit Card without anoticd and was offered a refund, but then they would close my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted the debtors in XXXX 2017 and confirmed with the IRS, XXXX XXXX, and XXXX XXXX that none of those lines of credit and lien is mine. Then in XXXX 2017 I disputed them all in XX/XX/XXXX with all three bureaus but the bureaus did not remove them within my dispute request. I am filing a complaints against the bureaus for not investigating these debts properly as fraud. Please, help me resolve this matter so that these debts are removed from my credit reports.

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 10/29/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I noticed a debt collection by a company called Stellar Recovery for a " XXXXCellular '' account which was unpaid. I have never had an account with XXXX and I believe this was fraudulently applied to my credit report. This is negatively affecting my credit report and score. I contact XXXX  and this was removed without issue. However, when I disputed the same item on XXXX the request to remove this from my report was not honored. I am aware that there was a major security breach at XXXX and based on their website, it appears that my account XXXX have been compromised ; I am confident that this is the case. Since they have not removed this fraudulent item from my report, I am reporting XXXX as well as Stellar Recovery for fraudulently applying this debt collection under my name and on my credit report. This is a complete violation of my privacy and rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AZ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: The situation at hand started with me wanting to relieve myself from debt with students by accommodating a lower while getting my loans paid for. I previously was working with a company called XXXX. Eventually as time with by, I came across several phone calls asking me if I wanted to sign up with the program of student loan debt forgiveness with XXXX XXXX. Finally entertained the idea because I thought those type of calls were scams but talked about it at work over the phone. The conclusion from that conversation was that I was going to be forgiven from my student loan debt after so many months of paying XXXX XXXX $ XXXX after the initial cost upfront of {$600.00}. As a few months passed working with them, I began receiving letters from FedLoan stating there was {$0.00} being made to my account each month and obviously I became concerned. Reached out to XXXX XXXX to cancel because what they told me then was something different from before. Today, XX/XX/XXXX, I reached out to FedLoan and was explained that XXXX XXXX was a scam service that charges people for the same free services they provide when I explained i I went through them to try and get my loans forgiven. Immediately told me to file a complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: To the best of my knowledge I have no contractual obligation with this company. I do n't know where this company has come from. I sent a request for them to provide me documentation and proof of this account as its my right to do so. However they fail to provide me any information. They continually just sends me a statement. I contacted the credit bureaus and they have failed to respond and or provide proper documentation.

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 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a documented 2 closed accounts with XXXX XXXX that states on all three credit reports that i have viewed, that my acct. with XXXX XXXX credit card was closed and a charge off. Therefore XXXX XXXX has sold the debt that i supposedly owe as of XX/XX/XXXX with starting Credit Limit off XXXX . It is reported up till this day as late payment each month. Which is also utilizing my credit at 122 %. I have written an E mail to the CEO of XXXX XXXX and received a call from XXXX at XXXX XXXX  Executive office XX/XX/XXXX, with no resolution of fixing this matter. I am unaware of this acct. and any missed payments. If the acct.is even mine and closed why is it still reporting missed payments as of this day? These acct. need to be validated and removed from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2018 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Trouble during payment process

Complaint: Roundpoint Mortgage will not remove PMI even though my LTV is below 78 %

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 08/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Delinquent account

Complaint: I have mailed dispute notice to Capital One requesting verification of this account reporting on my credit report and they have yet to respond with a proper answer nor did they send proper verification and never stopped collecting according to 15 U.S.C. 1681s 2 7a.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (NC).
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: I have tried multiple times, with no success, to get validation of a debt being reported on my XXXX  and XXXX reports. I have contacted XXXX, XXXX and National Credit Systems for validation, however, the only thing I continue to receive are updates to my disputes that the account has been verified and updated. I have yet to receive documentation, as requested from either party. I 've been trying for two months now with no success. I 've sent US Certified Mail to all three parties on multiple occasions. In addition to me trying to get these two accounts being reported by National Credit Systems deleted from my credit report, there has been a third account added to my report, with an open date of XX/XX/XXXX that was not on my report prior to XX/XX/XXXX. I am not sure why this account was added to my report. The account numbers are # XXXX in the amount of {$1900.00}, # XXXX in the amount of {$500.00} and the third account # XXXX in the amount of {$2400.00}, which is the total amount of the two previous accounts added together. National Credit Systems added a third account to my creditreport combining the two totals from the previous accounts and now, it is showing that I have three outstanding accounts with this company. Not only has XXXX, XXXX and National Credit Systems failed to provide me with written documentation as to the validity of this debt, they have also not provided me with documentation as to how they went about verifying the debt. I do not believe that the debt can be validated and am asking that all three negative entries be deleted from my credit reports immediately. Finally, I checked the North Carolina Department of Insurance website to see if National Credit Systems had the permits to collect on this debt and they do not.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received this letter from ERC ( attached ) which I have no idea about any XXXX account. The information represents that my personal information has been mistaken with someone else 's or that my credit file and personal identity has been totally compromised. This is a serious matter that needs immediate attention before it is put on my credit report. That would be a fraudulent act by ERC and XXXX as this debt is not mine and could be a result of ID Theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I sent in a mortgage assistance package to my servicer, Nationstar. Nationstar did not issue a written decision on this package. Nationstar requested documents after they received my package and I transmitted the requested documents numerous times. Many times Nationstar would deny receipt even after I sent it multiple times. I have sent another completed mortgage assistance package and Nationstar 's response is to set a foreclosure sale for XXXX/XXXX/2015

Company response to consumer: Closed with explanation