milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2016 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing the loan or lease

Complaint: I had a home equity loan with Bank of America. It was paid off almost two months ago. I received nothing and all information was removed from online so on XXXX XXXX I called and I told them I wanted an accounting of the payoff since there was noting online. They told me I was to receive a {$260.00} but did not send an accounting which at this point I demanded. I reiterated several times my request for an accounting bringing all information current from my last statement. Subsequently I received a check in the mail for {$110.00} with absolutely nothing else - NO explanation as to how that amount had been arrived at. I called on XXXX XXXX an again demanded an accounting of all activity in the account from the date of my last statement up to when the issued the check. Instead of an accounting today ( XXXX XXXX ) I received a letter saying that the lien on my property was released and I could contact the country recorder to verify it. STILL no accounting. I called Bank of America once more and demanded to speak to the legal department. I got the total run-around. The person who was screening my calls said she had to have my credit card number so she could identify me. I had given her the loan number probably 10 times and explained numerous times that this matter had nothing whatsoever with a credit card. I came to realize that Bank of America is withholding financial information from customers to which they are entitled and no matter what you do you simply can not get that information. I figured if this is their policy they must be making XXXX dollars on the innocent public. I intend to find a lawf irm that is interested in filing a class action suit against them. Manwhile I felt they should be registered here. All I wanted was an accounting from my last statement through to when they issued the refund check and how the amount of the check was determined. I have a right to know that information but they refused to give it to me.

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 11-05-2015 about Bank account or service (Other bank product/service) with BB&T CORPORATION (VA).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX : FOR THE XXXX KICK OF THE MULE I AM STILL STANDING BY MY RESPONSE SUBMITTED TO BBT BANK AND THE CONSUMER PROTECTION FINANCE BUREAU ON NUMEROUS OCCASIONS. YOU KNOW THE ROUTINE XXXX-WHERE ARE THE CONTENTS OF MY SAFE DEPOSIT BOX! STOP REFUSING TO CHECK THE VIDEO CAMERAS ON THE AFOREMENTIONED DATES ; WHAT IS IT BBT BANK THAT YOU DO N'T WANT THE CONSUMER PROTECTION FINANCE BUREAU TO KNOW? WHY ARE YOU AFRAID TO CHECK THE TAPES? WHAT ARE YOU TRYING TO HIDE? OR HAVE YOU ERASED THE TAPES? IS THIS A BBTGATE? THE SAFE DEPOSIT BOX KEYS I HAVE ARE NOT THE ORIGINAL KEYS I WAS GIVEN! AS YOU CAN SEE IT 'S THE SAME ROUTINE XXXX!!! SEE YOU ON MULE KICK NUMBER XXXX!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I Secured a loan through my credit union and was told by the loan official that someone else 's Social security number is on my credit report besides my own & my spouses. When the loan official inquired weather I know this person I was shocked to find out that I get called from people looking for him. The telephone callers are from collection agency 's and IAsked them not to call any more. It has been about a year maybe longer since I 've heard the persons name till today from my credit union. When reviewing the credit score information it was then that I realized that the social security number of this person is my actual CT drivers license number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2015 about Bank account or service (Checking account) with IBERIABANK (GA).
Issue: Account opening, closing, or management

Complaint: I have been a customer of XXXX since XX/XX/XXXX ( encouraged to open accounts due to a mortgage refinance solicitation that required " all '' accounts be moved to the bank as a condition of the loan ). XX/XX/XXXX, I noticed on the Bank web site that it was being acquired by Iberia Bank. However, I received very little in the way of substantive information about how the acquisition would affect my accounts or banking relationship. In fact, in advance of and since the acquisition, I have receive NO new terms or conditions relating to my accounts or services, such as my Bill Pay service. Only after the acquisition took place did I learn that I would no longer receive bills from third parties through my Bill Pay service ( after several bills were not delivered and payments were late ). To date, I am still trying to correct delivery issues with the billers due to difficulties with the prior bill delivery requests made by XXXX. I have not received debit cards for my accounts. Apparently my account terms have changed now requiring minimum balances and I am being charged service fees ; however, I did not receive advance notification of these changes to my accounts. I also was informed ( after the fact ) that the bank routing number and account numbers were changing and that I was responsible for notifying billers who drafted payments from my account. I have requested new checks for my account, but the Bank has never delivered them. I have reported all of these issues to the Bank on at least 5 occasions, by telephone and in person. On at least two of these occasions, I requested a return call from the private banker who opened the accounts initially. I never received a return call. I was told on at least two occasions by representatives from the Bank that the transition has been challenging, that other customers have complained, and that other customers did not receive communications about the transition. I also was promised that the service fees removed from my accounts would be replaced. They have not been. Finally, after my last call to the Bank expressly frustration about the Bank 's failure to correct any of the issues that I had complained about, I finally received a call from the private banker, who threatened to unilaterally close my account for " berating '' the bank employees ( in other words, complaining about legitimate service failures ) and thereby causing other business disruptions to my personal finances. Now, I have left two additional messages with the same private banker to address issues with my account and I have received no return call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 06-03-2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Bankruptcy

Complaint: my sears cc account was closed XX/XX/2012 through a chapter XXXX bankruptcy however its listed as a charge off "bad debt" on my report. I have been trying to get this resolved for over a year as creditor error

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2017 about Debt collection (Non-federal student loan) with Utah System of Higher Education (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The above options do not apply to my situation, so I just picked XXXX. Actually, they never call me! Which is part of the problem. In short, I try and make payments and they repeatedly send it back unpaid. I have successfully made XXXX payments since XX/XX/XXXX. They have now reported delinquent payments on my credit and are trying to force me into deferment. Making payments online does n't work and paying by phone does n't work now. I was told I need to call every month or sign up for automatic payment. I refuse to do automatic payments because I believe they are inept to handle it. I 'm never allowed to speak to a supervisor and they will not take care of the delinquency on my credit unless I agree to defer. Is there anything I can do?

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
Consumer complaint received 10-05-2017 about Debt collection (I do not know) with Collection Consultants of California (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company received a letter dated XXXX XXXX, 2017 from me requesting validation documents for account numbers XXXX. I did not receive any response from this company. I did not receive and validation document ( statement/bill, proof that this debt was assigned to them etc. ) This clearly is a violation of FCRA and FDCPA. Their negligence and none compliance are preventing me to acquire credit. This company is robbing me of my rights which has a great effect on me and my family financially. Attached to this complaint are copies of the letter I sent them last XX/XX/XXXX and the letter I am sending them today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (NY).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: PayPal limited both my PayPal accounts ( 1 & 2 ) on XX/XX/XXXX, while one of them ( 1 ) has {$1400.00} balance remain. I submitted required documents to both accounts on the same day. In their  instructions, it said take 2 business days for review. However, on XX/XX/XXXX, my account 1 still shows submitted for review, and my account 2 shows completed but limitation remains. I called PayPal and they ask me to resubmit provide of address for account 2. So I resubmitted on the same day. I have been waited for three business days, but the limitations on both of my accounts still no resolve. On XX/XX/XXXX, I called again about my cases process, but all I get for answer is I have to keep patiently waiting and no one can help me, even I waited for one or two months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2015 about Debt collection (I do not know) with I.C. System, Inc. (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX at roughly XXXX XXXX I was contacted at work by XXXX from a company called IC Systems. She gave a total sum of {$650.00} that she claimed I owed on an Account number ; however when I asked what the debt pertained to and requested her agency to send verification of debt from original creditor she refused to comply saying all debt is digitally submitted and she did not have that information. Then countered that I could pay {$470.00} to her agency between now and Friday or they would take further action. She gave contact info as XXXX ext XXXX. As i continued to try and verify information about her collection attempts I was told to submit payment to an address in XXXX ; XXXX XXXX, Minnesota

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Credit card) with The Bureaus, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XX/XX/2016, I became aware of some old collection amounts that were generated from an unauthorized user pertaining to the mentioned account. I was told by local police jurisdiction that not much could be done but that I could file an affidavit stating my case for the purpose of record. 
For the purpose of filing a recorded affidavit and attempting to obtain the information necessary, I spoke to XXXX from The Bureaus collection agency on XX/XX/XXXX and requested itemized charges relating to the time period in question. He said he does not have access to the original information from the creditor. To which I asked, how is it then that the credit bureaus keep reporting that your agency continues to verify the debt? His response was that collection agencies and lenders are only required to verify identity and common and general information. Does n't sound like any verifying is really going on at all? Especially in relation to why I am requesting information. 

Nevertheless, I requested the information. He said he could not oblige me. He was only doing his job but did say he could put a comment in for the record ... and he did. I of course still have received anything as of the time of this comment. 
I have subsequently raised the dispute issue with all XXXX credit reporting bureaus requesting conformity in trying to obtain this information as well. My understanding of the attempt to dispute resulted in nothing more than the bureaus validating common and general information of my identity to validate debt ... .and then subsequently standardized a generic dispute response that " creditor meets FCRA requirements ''. 
This process is broken and unethical and heavily favors the relationship between bureaus and collection agencies, lenders and creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (OH).
Issue: Trouble during payment process

Complaint: In early XX/XX/XXXX I received the wrong XXXX form that has incorrect XX/XX/XXXX interest payments and incorrect XX/XX/XXXX tax payments. I promptly contacted Loancare to inform them that information was wrong and my personal information may have possibly be sent to the wrong person. Since my loan information and personal identifiable info was possibly sent to wrong person, I was requesting for them to reisue my XXXX so someone else doesnt file my taxes. I contacted Loancare XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they continue to tell me that it will be updated online however it has not been. Please help me in resolving this issue. When I call them I usually have to request a return phone call because of their phone lines being backed up. They will also not allow me to speak to anyone in leadership or their tax center that actually makes the changes. Im concerned that my identity has been stolen from Loancare mistakes and it will create serious challenges for me when I file my taxes. If I can simply get the correct XXXX, I can file immediately. Thanks for your assistance with this personal 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 02-07-2017 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing disputes

Complaint: I made a purchase online on XX/XX/2016 from XXXX in XXXX. My credit card was charged the day I made the purchase. I cancelled the order on XX/XX/2016, at that point no goods had been shipped to me. On XX/XX/2016 I disputed the charge with my credit card company Citibank. Citibank placed the money back in my account. Then on XX/XX/2016 Citi reversed the credit because they claim the merchant refuted the dispute. The merchants response that Citi forwarded to me is simply the merchants return policy, it has nothing to do with this specific case. I have contacted the merchant several times and they claim they did not refute this claim. They have attempted several times to refund the charge. I have talked to the Citibank dispute department multiple times and they say that it is up to the merchant to refund the money, there is nothing they can do. 
On XX/XX/2017 I filed a complaint regarding the merchant with the XXXX of XXXX concerning this claim ( ID XXXX ). The merchants response to the XXXX was " I have talked to this customer multiple times and explained that I am not able to refund this transaction because he filed a chargeback with the credit card company and the money has been taken from us already. This is something he needs to work with his credit card company on. I have talked to our processor and there is nothing we can do. It is out of our hands. '' Based on this it appears that Citibank withdrew the money from the vendor yet did not provide a refund to me. Citibank continues to tell me there is nothing they can do.

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 01/24/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The credit report shows I have Maximum Delinquency of 30 days in XX/XX/2012 on my XXXX XXXX XXXX Credit Card. However, the lateness is due to the company 's error of NOT sending any statement to me. I called the credit card company after I found this problem back in 2012 and they admitted their problem and they refunded the late fee and said they would NOT report to credit bureau. However, they still reported it and it affected my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting a charge off auto loan on my credit with a balance. 
I have called and repeatedly ask for this debt to be remove, they have not supplied me with an itemized statement or signed loan original paper work. I would like this removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have disputed this with both Experian & XXXX XXXX credit. I have inaccurate multiple late fees showing on my credit report in XX/XX/XXXX. After months of disputing this with both companies the late fees were taken off and then added back the next month. I had no knowledge or written letters sent to me saying they were putting these late fees back on my credit report. I disputed it again & asked for proof of this inaccurate info from the company. I was given no information. It was deleted again. For the last time, this card is paid off & I am demanding to have these late fees deleted or the entire card deleted off my credit report. This is absolutely ridiculous that someone has to keep battling over inaccurate information with this one credit bureau. It is also a violation. Please remove the late fees or delete account from my credit file.

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 06-02-2015 about Mortgage (FHA mortgage) with Secure Lending Incorporated (GA).
Issue: Credit decision / Underwriting

Complaint: I keep getting telephone calls from a number XXXX XXXX XXXX I have told them numerous times do not call me. Today I received another call and they said they were from Secure Lending and I asked them how did they get my number and they said from the FHA. I got the companies telephone number XXXX and spoke to the supervisor XXXX and asked her to remove me from their call list and that I am on the Do Not Call List. I also advised her I have told her telemarketers numerous times not to call me and if it is not resolve in XXXX days I will be filing a complaint. But I am so sick of them they have already been calling me for more than a month already.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: Bank of America contacted me and advised that my Checking Debit Card had been compromised so they were canceling and reissuing another. I phoned them to ask for more imformation, they said that they did not have any information to share, and I told them that I wanted to know what the breach was and when. I was advised that sometimes they are just notified by XXXX Law Enforcement of the breach, but the bank doesnt know why they just cancel the card, this is not acceptable by me. 

I believe that I have the right to know exactly what happened and more detail, its my account and they should be able to inform me ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Debt collection (I do not know) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I think that XXXX is unreasonable for a Saturday, considering that they were looking for a XXXX XXXX, someone who could not have had this number or address for at least 12 years. There should be some due diligence on who has had the phone number. There is on and has not been a XXXX XXXX or XXXX XXXX at this number, so why do I get calls about them 12 years after this number was assigned to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2017 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed my a credit report Collection entry by a collection agency which took me to court on a debt that they did not legally prove that they owned. A Judge in Massachusetts Ruled in my favor dismissing the lawsuit and Equifax still verified the debt and wo n't remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Every Credit Report is showing different scores.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Hello, On X/XX/2017 I called and documented a phone conversation with my student loan service, Navient. I was inquiring about repayment options as the current payment has not seemed to reduce the over balance at all. Also, I have been paying diligently for the past 10 years and myself and cosigner have hit a point in our lives where we can no longer afford to pay the required amount each month. I was told there are no option available to me until my loans have been defaulted. Only then would they negotiate a settlement. This is not a reasonable option as it will negatively impact my credit score. So it seems, 1. I can not lower by balance making the current payment 2. I have to go into default to receive any option for settlement or reduced payment Thank you.

Company response to consumer: Closed with explanation