milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/18/2015 about Debt collection (Auto) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: At XXXX hours on XX/XX/XXXX CST I received a call from a XXXX with Bank of America inquiring about my account. Bank of America had already been served a CEASE AND DESIST letter on XX/XX/XXXX ordering them to not contact me further. 

Bank of America violated the FDCPA Section 1692c and FDCPA 15 USC 1692 c(c). XXXX at BOA continues to harrass me, and when I advised the Cease And Desist letter she claims no knowledge. I have on record they signed for it and received it. I also sent a copy to the FTC, CFPB, XXXX State Attorney General and the XXXX Attorney General.

I wish for Bank of America to cease all communication, and it would be in their best interest to drop the chargeoff collection as account is too old to collect upon. Charged off XX/XX/XXXX and WA STATUTE OF LIMITATIONS is 6 years. Bank of America, is a Day Late, and a Dollar Short in this matter! 

Bank of America continues to harrass me, and XXXX said 'We will sue you and have you arrested'. Vehicle was voluntarily surrendered in XX/XX/XXXX and i have not seen it since (as I have moved on). 

Bank of America is now in VIOLATION of the Cease and Desist and is eligible for a lawsuit at this time for violations of the FDCPA and FCRA laws protecting the consumer.

I have signature proof from Bank of America showing they signed for it.

Reference CFPB XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Mortgage (Conventional fixed mortgage) with STONEGATE MORTGAGE CORPORATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I believe that Stonegate Mortgage is improperly stalling my short sale. Most mortgage servicers are required to approve or deny a short sale within 30 days of receiving a completed application. If this applies to Stonegate, I think they are trying to get around this requirement by continuing to ask me for more paperwork. Since XXXX 2015, instead of a decision, I get monthly letters demanding additional paperwork. Sometimes Stonegate asks for additional information, other times they ask for the same information but in a different format, and they have even asked again for information that I have previously told them does not exist. ( I am working with a lawyer and even he says that Stonegate is the hardest company he has ever worked with. ) I have an offer on my house but event that is not enough for Stonegate to give make a decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (IN).
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: Lexis Nexis has sent me XXXX or XXXX Credit Reports with my XXXX XXXX name and information. The more I complain, the more he is reported as myself and the less my actual name appears. I move the dispute to to XXXX Level. The FIX is to punish me, change my name to his while listing reports in his name belonging to his Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have been making my payments on time for last several years by My XXXX XXXX billpay. Recently I began receiving several calls from you. 
I called today to find out the problem. I didnt think it was the payment because I knew I was sending the payment every month. The representative told me that I sent in The wrong amount. I did NOT receive anything telling me the payment had changed So I continued to send the usual payment OF {$980.00}. I was told that the payment had changed for the XX/XX/2018 payment from {$980.00} to {$1000.00} a difference of only {$72.00}. I did NOT get anything in the mail ; it may have been lost. I get other peoples mail in my box all the time.I spoke to XXXX in the Escalation Dept. # XXXX who payment to cure the shortage. 
. I have now corrected by billpay to reflect the current Monthly amount of {$1000.00}, which will be sent going forward. 
Please exercise your discretion under the circumstances and waive any late fees and correct my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BB&T CORPORATION (NY).
Issue: Trouble during payment process

Complaint: I originally had a home equity loan with XXXX XXXX, which was taken over by BB & T bank. It was an interest only loan of approx. payment of XXXX per month. For the 15 years I paid XXXX dollars per month, never missed a payment, until it was over, this XX/XX/XXXX. I called my local branch and was told, since I still owed XXXX dollars I could convert this to a 3 year loan which I agreed. I never got the new bills on time and had to go into the bank to speak to the manager many times. I never got a XX/XX/XXXX bill and my XX/XX/XXXX bill came at the end of the month of XX/XX/XXXX. I paid this upon arrival for the 2 months. This bank reported to the credit agencies that I was 3 months late. This is an error, I was notified that both me and my wife 's credit was reduced by XXXX points bt they misreporting. 
I called the bank and was told that the manger " never closed the original loan properly. I called the executive dept of the bank too say I would pay the whole off, if they could provide the credit reporting agencies the proper information so my credit is not effected. To date I have not gotten any letter and want to make a formal complaint. This is a federal bank so the state of Florida does not have any mechanism for a complaint. I want to pay the whole loan off as soon as possible but need a agreement that the Bank BB & T will notify the credit bureaus.

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 05-06-2015 about Consumer Loan (Title loan) with TMX Finance LLC (TN).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed {$1500.00}, on a Title Loan from Title Max, XXXX, TN, on XX/XX/XXXX. As of XX/XX/XXXX, I have paid {$2000.00} ( {$570.00} over the {$1500.00} borrowed, - in 9 months ). Yet, the Merchant claims TODAY I still OWE- Balance - {$1000.00}, requesting a total -- SUM of {$3400.00}, -effectively Interest & Fees of -- -- - {$1900.00}, on a {$1500.00} -- 9 month loan ( exceeding appx. 700 % APR ), abusing State & Federal Laws..

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Some one using my information has made a huge purchase in XXXX XXXX. They also did not live in XXXX XXXX in XXXX. I have never been issued a credit card. My bank ran credit check in XXXX and told me I had a thin file. No credit but now I find out. Somebody is getting credit in my name, but I ca n't see the 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 05-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Business and Consumer Solutions. (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: On XXXX/XXXX/2016, I was phoned at XXXX by FBCS Consumer Contact Solutions, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX. FBCS is XXXX This call was not only in violation of the Federal Fair Debt Collections Practices Act, but as a California Resident, it was also in violation of California 's XXXX My carrier is XXXX, and I would be happy to supply the phone record of the incoming call at XXXX XXXX from phone number XXXX to my phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have been a customer of Citibank for 15 years. The last few weeks have been a nightmare which has been affecting me and bringing up high stress level. On XXXX/XXXX/XXXX, My checking account was taken {$320.00} from my account without my consent by Citibank. I have been dealing with this matter since XXXX XXXX. Since, I ended up closing my account due to their inability to make stop payments from a company who i do not deal with anymore. Due to closing one account and opening a new checking account. According to Citibank, i was giving a credit by mistake which was my money from the beginning. I do not enjoy switching financial branches. Therefore, I ask you to help me with this matter.

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 09/27/2016 about Debt collection (Medical) with Creditors Bureau Associates (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have twice demanded validation from this company and they have responded by sending me a bill claiming that it is past the 30 day validation period. However, I have never received a notice that they were going to attempt to collect nor have they ever sent a letter advising of my right to dispute it. I only found out about it because I saw it on my credit report and sent a dispute letter to them. I have never had an account with this company. I demand to see a contract between them and me or they need to remove their information from my credit report and close their files. I have been disputing this on my own and have never paid any credit repair company or anyone else to dispute this for me. As of today, this incorrect/invalid/inaccurate information is still showing on my credit report and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I purchased a XXXX XXXX XXXX XXXX from Carhop in XXXX, WI in XX/XX/XXXX. About a week after purchase, the A/C stopped working and the transmission began to slip. I contacted Carhop to try to fix the issues and they said they would not fix the car at no cost, the repairs were more than I could afford. I received a letter from an attorney about a lawsuit he was filing against Carhop and advised me to voluntarily surrender the car. I turned the car in but decided not to be involved with the lawsuit due to family issues at the time. Carhop removed the account from my credit, then 6 months later sold the debt to Universal Acceptance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had an account that was deleted on XX/XX/XXXX from Trans Union and reinserted on XX/XX/XXXX.And it was removed on XXXX on XX/XX/XXXX and then reinserted on XXXX. I never received any notification that it was being reinserted from either bureau and there was no reason for it to be reinserted. Per the FCRA laws I am to be given a 5 day notification and I wasnt .I have at this point contacted an attorney and will go forward with a law suit if not removed and hopefully with your help it will be removed again finally. 
I want the account re-removed because they have failed to follow the law 1681 a 5 a of the FCRA 611 5b.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Arbitration

Complaint: Capital One violated California Civil Code Section 1747.85 by cancelling my credit card without first giving 30 days ' written notice of its intention to do so. 

Capital One is blocking any finding of its accountability under the cited law by refusing and/or failing to provide information on a consumer 's recourse, specifically whether they consent to consumer arbitration as a method of resolution. By refusing/failing to provide such they are thwarting my and other consumer 's rights to fairness and accountability. 

I have tried to ascertain the information on consumer recourse by directly calling the bank and discussing the issue with a representative of the Capital One executive team, speaking to a consumer rights attorney, and by analyzing the card member agreement. All such investigations did not yield an answer as to a consumer 's recourse against Capital One for an alleged violation of the law by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I discovered that I am the victim of identity theft. Several accounts were opened in my name without my consent, knowledge or approval. At no point did I benefit financially from these accounts. Upon checking my credit report I found the following accounts and inquiries that were not authorized by me and that I did not have any knowledge of. Accounts open without my knowledge : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit inquiries without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX The following address does not belong to me and is a result of fraud : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX following phone numbers do not belong to me and are a result of fraud : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have never lived nor have I been associated with anyone who lives at the address XXXX XXXX XXXX XXXX I have attached a copy of my current lease agreement showing where I live which shows that I moved in XX/XX/XXXXand signed the lease for 1 year. These accounts were opened online and the cards/checks/paperwork mailed to a third party address I am not associated with.

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 03/23/2016 about Bank account or service (Checking account) with UMB BANK, NATIONAL ASSOCIATION (MO).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, I attempted to deposit a check ( for {$500.00} ) at my bank 's ATM. The ATM would not allow me to deposit it so I left without completing a transaction. A few minutes later I received a text saying that {$100.00} had been withdrawn from my checking account. I called the bank within 2 hours of receiving the text to let them know that I did not make that withdrawal. The bank employee assured me that they would review the video of the ATM and as long as I was n't the person who took out the money, they would refund the money to me. On XXXX XXXX, they sent me a letter saying that no dispensing error occurred and they were discontinuing the investigation ( without refunding my money ). They also sent me the ATM audit, which shows that the money was withdrawn at XXXX, and someone immediately after me used a different bank card at the same time ( XXXX ) without completing a transaction. Based on this information, to me it looks like it is possible that someone ( either accidentally or on purpose ) took the money out of my account instead of their own account. I called the bank on XX/XX/XXXX to see if they were going to review the video of the ATM. They indicated that they would not review the ATM video and refused to give me a reason as to why they would n't investigate this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: Bank of America ( BofA ) has not honored a {$300.00} checking account promotion I signed up for in XXXX, and fulfilled the terms on. BofA was supposed to pay the {$300.00} bonus within 60 days of fulfilling the terms, which was over 15 days ago from this complaint. 

I have been a BofA credit card customer since XXXX. Last year, I logged into my BofA credit card account and had an offer box on the side stating a {$300.00} bonus for opening a new checking account. I clicked on the link, which took me to an application page where I then signed up. There was no promo code, only the link. I did print off the offer after following the link, which I will try to attach and which I completed all terms for the promo. 

Yesterday I did an online chat with a BofA representative ( there was no option to SM them ) to inquire, and he said he could not help me but I needed to call their main checking account number ( XXXX ) to inquire. The person there said they could not see the promo code on my account but gave me a new internal number for marking online redemption issues ( XXXX ). I then called that number, and the person refused to deal with me since it was supposedly an " internal '' number. I then asked what number I needed to call to talk with someone and submit my records ( being very clear it was a checking account issue ), and he assured me they would handle it at XXXX. When I called THAT number, it was corporate credit cards, and they said they had no jurisdiction to help me! 

It 's obvious that BofA has XXXX interest in trying to assist customers with collecting the bonus they are due based on the almost 2 hours I put in and XXXX different departments giving me the run-around! Therefore, I 've resorted to filing this federal complaint due to the sinister organizational structure BofA has erected to try to get its customers to give up on collecting any checking account bonus due. I hope CFPB, besides resolving my issue, looks into fining BofA for providing no viable due process for a customer requesting a bonus and offering to submit evidence that they had signed up for it -- particularly since BofA offered this bonus online and how " convenient '' it is for them to claim the bonus offer was not associated with the account based on the lack of any paper trail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with John C. Heath, Attorney at Law, PLLC (CA).
Issue: Fraud or scam

Complaint: After paying for this supposed service or offering for 1.5 years, there has been zero improvement.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (I do not know) with Franklin Collection Service, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft and noticed a collection from FRANKLIN COLLECTION SERVICE. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against FRANKLIN COLLECTION SERVICE in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I mailed an investigation request to XXXX, Experian, and XXXX XXXX on XX/XX/XXXX. More than 30 days have passed and I have not received my investigation results. I am attaching a copy of the letter I sent them.

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 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 submitted a letter to Experian asking them to describe the steps they took to verify the public records on my account. The only response I received is that XXXX XXXX verified it, but XXXX XXXX says that my account is suppressed so there is no way they could have verified. The courts have explained that they do not " verify '' these accounts to credit agencies.

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 05/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage provides payoff for loans only through the last day of each month. If you loan closes XXXX XXXX, you are required to pay them interest through XXXX XXXX no matter what. Then, once interest is paid to them through XXXX XXXX, they keep your money another thirty days before sending the refund. In the above scenario they have use of your money for almost 60 days. This must be a lucrative business for them in that they have thousands of consumer 's money to invest for periods of time. In my case, it is {$1600.00}. I can only imagine what they are making on the float of all consumer 's money. This should be stopped.

Company response to consumer: Closed with explanation