milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was away in XXXX for 10 years when I came back home in XX/XX/XXXX I tried to get an apartment. I contacted all the companies that said I owed and they all said I still have to pay it or my credit will be ruined and possibly be sued. I spoke to my lawyer and I was afraid of going back to XXXX. He told me to reach out to you for help. This all happened from XX/XX/XXXX- to recent. I never had credit. 

XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX Status Closed Balance {$450.00} Type Unknown Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX Status Closed Balance {$0.00} Type Unknown Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$7100.00} Type Collection Payment Status Late XXXX XXXX Status Closed Balance {$2400.00} Type Unknown Payment Status Late XXXX XXXX XXXX Status Closed Balance {$11000.00} Type Collection Payment Status Late XXXX XXXX XXXX Status Closed Balance {$270.00} Type Collection Payment Status Late PORTFOLIO RECOV ASSOC XXXX Status Closed Balance {$6300.00} Type Collection Payment Status Late XXXX XXXX   XXXX Status Closed Balance {$9600.00} Type Installment Loan Payment Status Late

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Credit reporting () with Credit Karma, Inc. (MS).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I never lived in North Carolina

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 02/16/2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Making/receiving payments, sending money

Complaint: why is my account access limited? 

Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2016 : We need additional information on your recent transactions and account activity. 

( Your case ID for this reason is XXXX. ) This limitation can not be appealed. 
I Do n't Know What They Talking About They Said I Have More Then One Account I Told Them I Have Only One Account They Lied And Somebody I Spoke With tonight Name Atas Got A Nasty Attitude Some I Am Filing Another Complaint Because They Said I Ca n't Use They Service No More But They Have My SSN Bank Account And Credit Card Information On File And Wo n't Take It Off And I Ca n't Use Their Services No More

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: i am licensed GA real estate agent. I am extremely active in the real estate market and do a significant number of transactions. Even with my my significant real estate experience, I have come across a situation that not anyone I have contacted can help resolve. We are scheduled to close on my primary home and a line of credit from Wachovia ( now Wells FArgo ) has shown on title to the property. We have over 100 man hours ( no exageration ) attempting to get in touch with someone at Wells Fargo. This includes the attorney 's office. We have escalated to the " Office of the President '' at Wells FArgo. Wells Fargo will acknowledge we have a XXXX balance but they will not give a release. Without a release, I can not convey the property. 

We are going to make a complaint with the Department of Banking and Finance. Unfortunately, that is a slow process and could take several months to resolve ... .no guarantees on this course of action. 

We could hire an attorney but an attorney in this field is going to charge {$350.00} per hour. The number of hours that the closing attorney has put into this researcjh and our time is once again over 100 hours. You can see the 100 hours at {$350.00} per hour gets very expensive. 

We are scheduled to close this Friday. We are truly at our wits end. 

Even with my tremendous amount of experience, this has stumped everybody involved and we have no idea what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I took out two small ( private ) loans through my University directly to make up the difference in a couple of emergency situations. The lending company is called XXXX. Over the past six months, I have attempted twice to send them the lengthy amount of paperwork they requested for me to ask for deferment on my loans due to financial hardship. Both times, I received no notice of them receiving my forms, so I called them again after receiving multiple letters threatening to send me to collections. I was told that my mail did not make it to them and I would have to send it to them another time. They do not accept these documents in any other form besides snail mail. So, as they asked, I sent the documents a second time. I still received letters threatening to send me to collections for past due amounts. Over a month after I sent the forms for the second time, I called them and demanded to know what was going on. This is after they called me multiple times on an " automated dialer '' to tell me that my account is past due and that I will be sent to collections, and that I had been reported to federal credit institutions for my intentional delinquency. They told me that for the SECOND TIME, they did not receive my request for deferment. What I also learned is that they illegally gave my father, who is not on the account and has no relationship to the loan, information that he was not meant to have access to, and allowed him to put his phone number as a contact for my account. They claim they have no record of speaking to him, but there is no other way his phone number would be put on my account. I was told that my case was being forwarded to an account specialist. Even after my case was supposedly forwarded, I kept receiving the harassing phone calls, and each time, I told them that they had already broken the law by giving an unauthorized person my account information, and were breaking the law with harassing letters and phone calls despite all my efforts to right the situation. Through no fault of my own, this company is seeking to destroy my credit and destroy my life. I was recently diagnosed with XXXX and am having a XXXX. I may very well be XXXX. This callous, unethical and illegally performing lender should be shut down, if not at least fined into oblivion for what they have done to me and to other students who have fallen on hard times after graduating.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I received an accerlation letter in the mail. I owe less than 60days on the car. I actually owe XXXX which is one XXXX and one payment of XXXX. I pay the note everytime I get paid and I will make those last XXXX payments like I have setup to do with the lady at the XXXX number. Once the loan is paid in full which will be between XXXX 2017 and XXXX 2017, I would like my paid in full loan paperwork mailed to my home address XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: My complaint is against Bank of America Merchant Account Services. I received a call from their representative ( XXXX ) this afternoon regarding my newly established merchant account. XXXX called from XXXX. I was advised that my merchant account was flagged because of the type of services that I/my business offer. XXXX advised me that I am an unqualified/high risk business and that my account is under review. 
I advised XXXX that I was very concerned about his call because of the long standing relationship that I have with Bank of America and had with my former merchant provider. I have banked with Bank of America for XXXX years and was often solicited by numerous representatives both at my office and in their branches. So I did n't understand how Bank of America could first offer me a merchant account, approve the account, send the equipment, allow my business to process credit and debit card fees only to then contact me less than XXXX days later to inform me that my merchant account with them could potentially be closed. 
During the completion of the merchant account application with the Bank of America representative on XXXX XXXX 2015 I detailed my long standing relationship, my account history and revisited all the services that were offered to my business over the years as well as the visits to my office that Bank of America representatives made to offer my staff checking account services and other additional services to me. 
After terminating my eight year relationship with another merchant services provider to accept the offer from Bank of America, it is unclear to me how Bank of America could have approved me for a XXXX year lease of the equipment and the account only to be told XXXX days afterwards that my account could potentially be terminated for no wrongdoing on my part. 
I am confused as to why Bank of America marketed services/products to me with intimate knowledge of my personal accounts, business accounts and business model ; then processed and completed a XXXX hour interview/application ; for the application to take the bank more than XXXX days to process ( time for which I am sure they used to complete their due diligence and to qualify me and my business ) ; then to approve me but to call less than XXXX days later and tell me that my business is now high risk/unqualified! 
The termination of my merchant account with Bank of America would cause an enormous financial hardship on my small business and should not be something that I should have to endure. Furthermore the processing of my application has impacted my personal credit profile and could affect my ability to acquire a new merchant account in the future. 
With that said I hope to keep this Bank of America merchant account to circumvent any unnecessary financial hardship to my life and to my business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Application, originator, mortgage broker

Complaint: Case Number:XXXX XXXX : As per XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, response to my XXXX/XXXX/XXXX, compliant. She states Bank of America do n't tolerate discrimination or predatory lending. I beg to differ with her explanation. Because from XXXX to XXXX XXXX, when they transferred my first mortgage to XXXX XXXX XXXX XXXX. They refused to refinance my mortgage not for lack of documentation. But, because I would not agree to another predatory loan with excessive interests rates, and premium spread. I have documentation that BOA tried to charge me XXXX XXXX, XXXX, and XXXX XXXX dollars, respectively to refinance a conventional loan for me. BOA could have refinance a Veterans Administration loan for me. Because, I 'm a XXXX XXXX Veteran. They refuse, that is the reason they transferred the loan to XXXX XXXX XXXX XXXX. If they had gave me a VA loan. It would have cut my mortgage in half. From XXXX XXXX dollars a month to XXXX XXXX dollars a month. If this is not discrimination. Please! tell me what is. BOA have given XXXX Veterans hundreds of VA loans, if not thousands since XXXX to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (Medical) with Certified Services, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Certified Services, XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX was retained to collect a debt on behalf of XXXX. This debt was discharged in my Chapter XXXX, along with XXXX other accounts held by Certified Services. The other XXXX accounts were removed from my credit report, but even after an investigation by XXXX this account remains reported as an open collections account. I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Dear Chase Bank, I am submitting a claim on my credit card because I have been scammed. I was lead to believe they were going to try to help me with a Federal Grant. I was going to try to help out my sister because she has been out of work for several months, help my son get on his feet with a business, help pay on my credit cards because I have been helping my son and daughter out, etc. This company has pulled funds from my credit cards to show that I my credit cards are exalted. They have pulled funds with the following information and dates : XXXX/XXXX/2016 XXXX XXXX XXXX {$5000.00} XXXX/XXXX/2016 XXXX {$2000.00} Please reverse these charges as I do not except these charges. Please Help Me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: when original note are challenge to provide original black ink sign at the time closing, the co-conspirator Ocwen, XXXX XXXX bank XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX forge the note just like a criminal will forge a check the co-conspirator Ocwen, XXXX XXXX XXXX XXXX XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX fraud note just like a criminal would forge a check fabricate checks through the use of modern technology. 
fabricated allonge signer XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer, Wells Fargo, did not give me a monthly statement in XXXX 2015 nor thus far in XXXX 2015. I never received a coupon booklet either.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (UT).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My wife and I had consolidated all of our student loans with XXXX XXXX in XXXX. The same year I entered XXXX XXXX XXXX. Each time I XXXX after XX/XX/XXXX, I submitted request for deferment on the loan and the XXXX XXXX and now Navient mishandled the paper work. We received confirmation twice that the military deferment was in place and several months later received notification that we were in default on the loans and that the only way to fix was to have the loan re-written. This situation went on for years and even came close to impacting my security clearance. Now I am retired from XXXX XXXX and work for the XXXX XXXX as a federal employee, we are trying to apply for forgivness and once again, Navient is tell us we are not eligible. I would like my account audited and try and get credit for the deferments we fully qualified for and try again to gain control of the student loans we have faithfully tried to manage.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Unexpected or other fees

Complaint: On XXXX XXXX 2017 I did a wire transfer of {$10000.00} from my XXXX XXXX XXXX XXXX Account to XXXX XXXX company 's Account in Bank of America. While processing the request online one digit in account number was missed. Bank Of America rejected the wire due to invalid account number and charged {$45.00} and sent back {$9900.00} to my bank. I do n't understand how can XXXX charge me, I did n't have any contract with them. Just because they had access to my funds does n't mean they can keep any amount. I called my bank and they were unable to help as they did n't charge me, so they could n't reverse it. There is no way for me to contact XXXX as I do n't have an account with them and it 's hard to figure out on self automated customer care phone number, with no real person to talk to. This {$45.00} charge is unfair and I would like to have a full refund.

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 04/27/2016 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear sir/madam, few months back I submitted a complain concerning a company know as XXXX XXXX for collecting a false debt from me. 

Until today such false debt continue to appear on my credit report despite my initial complain. ( XXXX and XXXX ) few days back I notice on my credit report that another company known as COMMONWEALTH FINANCIAL put a note on my credit report stating that I was own them, I called the company to find out what transaction I had with them because I knew I was not owing them. But the company COMMONWEALTH FINANCIAL told me that they bought some debt from XXXX XXXX that has my name on it. 

dear sir/madam I am not owing any of these companies or their affiliate and I do n't see the reason why both companies should note on my credit report that I am owning them same debt despite I know I do n't. 

this is I D theft i will be glad if your office look into this matter

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was a victim of XXXX 's inquiry issue. I called and tried to explain this to them. I have reached out to them in writing and via phone and the companies via in writing to no avail. 

Inquiries I did not authorize : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And this month I had multiple inquiries in a one/two day span in which I DID NOT authorize. The salesman at a dealer had me sign a form allowing them to pull credit. I did not authorize them to allow anyone else but THEM to pull my credit. XXXX XXXX XXXX. I had over 13 inquiries over all 3 bureaus pulled. They financed me thru XXXX XXXX. This is criminal. 
XXXX XX/XX/XXXX BB & T XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I applied for a XXXX XXXX and XXXX card on XX/XX/XXXX. I was told that I would receive a letter in 7 to 10 business days. When I received the letter I was told to call and verify my information. I called and was told I was approved for {$250.00} for XXXX and {$350.00} XXXX. So then I got a letter asking for a copy of my id, drivers license, and bank statement. I sent in the information Priority Mail which was {$6.00}. I called XXXX XXXX when it was delivered and was given an account number and told that I can go into the store with my social and they would be able to pull up my information. So I took my wife to go get some clothes. Imagine my embarrassment when I was told that the information was still not working. So they gave me a number and I called, XX/XX/XXXX I spoke with a supervisor who told my account was permanently closed because the id and social security were unreadable. But the supervisor advised he would give 45 more days if I could get in a better copy. So I took time out of my day to go down to the social security office and get a brand new social security card. Sent in the information AGAIN priority on XX/XX/XXXX another {$6.00}. Tracked and seen it delivered on XX/XX/XXXX. Called almost every day to commenity since then and was told no information was processed yet to give it a few more days. Give it a few more days. Give it a few more days. Called yesterday XX/XX/XXXX, was told by a supervisor in Idaho that the account was permanently closed back on XX/XX/XXXX and he could not reopen it. NOT ONCE was I told that when I called several times before that. I was told the information was not received. Now these 2 credit cards are reporting to my credit report as closed accounts and SIGNIFICANTLY dropping my credit score because that reflects bad on me. These accounts were never open to begin with so how can they be closed. I am disgusted with this company and extremely disgusted with the customer service I received. I spoke with several people who never told me once that my account was permanently closed. I gave the supervisor last night the tracking number to the information sent on XX/XX/XXXX and he too seen that it was delivered on XX/XX/XXXX. Why it was not processed I am not sure. But I want these 2 credit cards off my report! This is completely ridiculous. And completely unprofessional.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/2015 I reached out to Midland Fund to settle a debt. It was agreed that a payment of {$1400.00} would settle the debt. A letter was received shortly after dated XXXX/XXXX/2015 that confirmed this information. I signed it, made a copy and sent it back. They continue to report this balance. I 've talked to the department handling the account which can be reached at XXXX and they confirmed the balance was paid. I was then directed to call XXXX who asked if I wanted to settle the debt. I am getting the run around and no one at this company seems to know what is going on, they 've been affecting my credit for 8 months and getting this matter resolved is not something they are interested in doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Midland Funding LLC keeps reviving a debt fr om 2007. It is harming my credit score.

Company response to consumer: Closed with non-monetary relief