milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: the orginal complaint was not investigated correctly. Please find out who called me and why they said they were a mediatator prior to getting lawsuit papers the next few days and to be home to receive them. you only contacted XXXX which sold the complaint. you had the number i called with number to find out about the account and you did not follow up. XXXX said they sold to// : :If you have any additional questions regarding your account, please contact PORTFOLIO RECOVERY at XXXX. 
Please investigate this further as not a collectable debt and used forbidden tactics to try and get me to pay or reage a debt. Since then I get 2-3 calls a day from these people selling my phone number. Do not close an account before you speak and investigate. 
thanks XXXX XXXX XXXX '' '' '' : : : Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Debt collection Issue : Took or threatened to take negative or legal action

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX I visited a dentist to have a XXXX. The dentist had a plan for me to redue my complete mouth cost XXXX. they said I could get a care credit card for part of the cost. The next day XXXX XXXX I went to have my XXXX they scared me said my teeth were XXXX and I could have a XXXX XXXX. I agreed to the XXXX and signed what I thought was a electronic signature machine for the dental insurance. They again pushed for care credit I said NO I said call my wife and she said No.She said just XXXX and at a later time when I felt better maybe I might do more. When I got home she looked at the paper then was a sales draft for care credit dated XXXX XXXX. On XXXX XXXX, my wife called and canceled the card. The next day my wife verified the card was canceled and they had not paid any money. I filed a fraud form with care credit and sent a letter of explaination. XXXX XXXX I received a letter saying they paid the dentist {$3000.00}. The card was canceled but the dentist got it re instated, how?????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2017 about Debt collection (Federal student loan debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: Bank of America NJ, continue reporting that I am a risk more than 10 years after I paid off all debts to them. And so could not get a bank account,  Apt   .  or buy a vehicle ; even though any fraud was discharged. At the time, a few of my paychecks bounced therefore a domino effect occurred. B of A blamed me solely, not the company I worked for. That being said, they subjected me to much ridicule. All while not communicating to me of the maximum damage they were causing a former good customer. Bank of America was a bank I opened an Account with while stationed on an   XXXX   XXXX   XXXX   in California USA, at less than  XXXX   XXXX   old    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 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I do not know who these people are but they continuously call my house and NEVER leave a message. This past XXXX, XXXX, and XXXX alone they called XXXX times. Friday XXXX/XXXX/2015 at XXXX, XXXX, XXXX, and XXXX. Saturday XXXX/XXXX/2015 at XXXX, XXXX, XXXX, and XXXX. Sunday XXXX/XXXX/2015 at XXXX, and XXXX. I believe this is harrassment and if the matter does not get resolved I would like to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: wellsfargo has refused to fix the late paayment due to never recieving the paperwork not knowing i had a late payment when refinancing with   XXXX   and the company  XXXX  has failed to remove the hit on my credit even though i called and they said the hit to my credit would be removed and sent i the proper paperwork and they said they would remove the delinquent payments due to being sent and sending in the income based deferment an requiring to pay  XXXX  bucks a month when my income is   XXXX    and cant affrord to pay since i have no income due to being sick for over 9 months with the doctors still having no clue with what is wrong even though i called them.     also   XXXX   i sent in a dispute and they still havent fixed the issue and the problem ha yet to be reolved

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 07/18/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: My loan was set up with LoanCare LLC in   XXXX   of 2017 I made my first  XXXX  2017 Payment early in late  XXXX . They accepted my payment for  XXXX  but I started having trouble in   XXXX    2017. My wife had made a payment and mistakenly put her name as the payer. The payment for some reason was returned. Since then, I have paid over 4 times with 7 of my payments being reversed. reapplied and reversed. It has been a nightmare to try and pay my mortgage company. I made a payment for   XXXX   and  XXXX , which was finally accepted by LoanCare, on  XXXX   XXXX  2017. For a whole month there was no reversals of the payments. On   XXXX      XXXX   2017 I made Payments for   XXXX   and  XXXX  2017. Guess what happened next, they decided to reverse my  XXXX ,  XXXX  and  XXXX  payment then reapply my two payments for  XXXX  and   XXXX    thus leaving out  XXXX  and I am back to supposedly owing them another payment. I do n't understand why this is happening. I talk to my bank and they do n't show any record of rejected payments. I talked to LoanCare and all they tell me is that its the bank or that I have Non Sufficient Funds. I am struggling to make my payments on time even though i am making them on time. This should not be happening. If anyone has an opportunity to work with LoanCare LLC please do n't, Save yourself your money, time, and high stress

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 02/18/2017 about Credit card () with Atlanticus Services Corporation (FL).
Issue: Transaction issue

Complaint: Fortiva is the servicing company who handles my XXXX card. I 've had other issues with this care, one that I had to report previously to your agency. I am back to file a complaint against them for how the handle the payments that are made toward the balance. I made the minimum payment due on XXXX XXXX, XXXX and the funds were removed by XXXX on XXXX XXXX, XXXX. I reviewed the account online and it says I have {$84.00} available to use. I went to a XXXX store close to my residence today and tried to purchased {$81.00} worth on cleaning products for my home. The cashier was great and tried it twice. After that, I pulled my phone out to confirm the available credit. During this time, their front end is getting busy. Here I am standing in line with my XXXX XXXX XXXX son wondering why my purchase keeps being decline. The cashier called them for me and when the representative came on, he proceeded to tell me that even though the payment was made, the funds would not be available to me until XXXX XXXX, XXXX. I was livid and most importantly, embarrassed. He proceeded to tell me that he knew how I felt and I was like no he did n't. I told him how embarrassed I was and that they 've had my money since XXXX XXXX. They are illegally holding my money. I am including the screenshots of their website, my bank account and their card agreement posted on their website. I need this policy reviewed. I want an apology for the embarrassment I went through.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (Credit card) with RAB PERFORMANCE RECOVERIES, LLC (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: A credit I obtained during college over 12 yrs ago was n't paid off. I have no idea what the actual balance is since I have n't rcvd any docs to support. I rcvd a notice of garnishment a wk ago, and the garnishment began today. The dates on the docs are from 2011 and at an address I have n't lived at for over 5 yrs. It was signed by someone I do not know and the person was n't at my home. I think it could 've been a groundskeeper at that apt complex. The court told me a notice was also taped to the door according to RAB Performance. Again, I had no notification of any court dates. I have since been told there is n't anything I can do at this point since I did n't attend the court date. I was also told I could n't appeal the decision since it 's beyond a certain number of days, but had I been properly notified, I would 've been able to attend court and/or appeal the 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 03-01-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: For the past 3 years Wells Fargo Home Mortgage has failed to pay real estate taxes from my escrow, resulting in past due tax fees. The first year I was traveling on business for several months and came home to multiple overdue notices. I paid all the taxes out of pocket along with the late fees, and had to wait until the end of the year for the escrow account to reimburse me the yearly escrow balance. The second year I called Wells Fargo after the taxes went un-paid. They paid the taxes from my escrow, and they paid for the late fees. The third year I called 2 months before the taxes were due to let them know a tax bill was coming. I called 2 weeks before the payment was due to remind them again. The taxes were still paid late, resulting in a late fee of {$21.00} and they sent me a letter stating that the late fee would be coming out of my escrow.

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 08/22/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: on XXXX/XXXX/XXXX I opened a citi bank account because I was going to switch from my current bank. I thought i was making the right decision. So, i opened the account online. Therefore, the card comes in the mail about 7-10 days after the account is opened. I wanted to transfer the funds I had in my current bank to the new Citibank checking account. My account was n't enabled for inter institution transfer so i wrote a check from my current institution to the new one. Check cleared everything is dandy, or so i thought! I found out today without notice over the phone that my account is in the process of being closed due to " fraud ''. I think this is complete discrimination. I did not commit fraud, nor have I ever. I had XXXX for 10 years with no issues. The representative supposedly said that I was advised not to do " self-self '' checks, she was very rude but I was NEVER told that. I only had the account for a week why would they feel the need to tell me that?

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 10/15/2015 about Mortgage (FHA mortgage) with GOLDEN EMPIRE MORTGAGE INCORPORATED (CA).
Issue: Settlement process and costs

Complaint: I first started working with him back in XXXX because he said that my husband and I would qualify for the XXXX program. This was a complete lie. XXXX knew that I was working with other lenders, so he sold us on the product that we never qualified for. He waited a week before we were going to close on the house to tell us that we did not qualify, and that we had to come in the double the amount at closing and go with a product at a higher interest rate. This is a bait and switch. Not only is this unethical it is illegal under the Unfair or Deceptive Act and Practices. XXXX XXXX also tried to have us lie on the loan documents for the XXXX program. After he realized that my husband and I made too much money her called me and told to send him additional names because my household size needed to be bigger.Another issue I had with XXXX was in regards to the appraisal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In  XXXX    XXXX  , I submitted a dispute with the  XXXX  credit reporting agenices that the information Carrington Mortgage is providing them regarding my account is inaccurate.  XXXX  of the  XXXX  reporting agencies investigated my request and  Carrington  Mortgage repsonded to their investigation claiming the information they submitted was accurate.     On  XXXX   XXXX , I sent a letter certified mail with a return receipt to    XXXX     XXXX   XXXX  requesting them to provide me account information on a foreclosed property that they serviced a loan on. I informed them I was directly disputing the information as I did not think the dates of last payment and the dates of foreclosure were accurate. As per the RESPA, I requested them to acknwlegde my request within 5 days and to provide me a response within 30 days. Additionally, during this time, per RESPA  Carrington  Mortgage should not be reporting any information regarding late payments to the credit reporting agencies. On  XXXX   XXXX ,   XXXX  , Carringtion Mortgage recieved my letter. On  XXXX   XXXX  I received a letter from Carrington Mortgage Services dated  XXXX   XXXX , stating that they would not process my request for them to provide my account information becuase the letter that I submitted was not signed. The letter I submitted t o Carrington  was initialed by me. On  XXXX   XXXX ,   XXXX  , I faxed over a signed copy of the letter, and I also sent another letter via certified mail return receipt that was recieved b y Carrington  on  XXXX   XXXX .  Carrington Mo rtgage did not respond to my account inquiry, however on  XXXX   XXXX , I was notified by Experian, a credit reporting agency tha t Carrington  Mortgage responded to their investigation and advised them the information they were reporting was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (MD).
Issue: Balance transfer

Complaint: I have a credit card with FNB Omaha, I 'm unable use a service with the card because I 'm using the card. Makes no sense to me. I have n't been late on any payments, I made a cash advance and XXXX transfer. Since that time my account has still been paid on but I 'm being told I ca n't do another balance transfer because I 've used the card more than they think I should have. I 've had the card for nine months. Got XXXX credit limit increases. I would like to be able to use my offer to transfer a balance. I have XXXX pending offers to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: After several attempts to communicate with Transunion via CFPB portal they have failed to provide me with any viable evidence bearing my signature showing the public records with my name and social on it.     Upon further investigation, I have retained new copies of my credit reports and noticed that you have overlapping dates along with the public record being removed from my file and then reinserted back. These errors have been reporting monthly resulting in credit denials due to the deformation to my file on behalf of Transunion. The said bankruptcy records are listed entirely inaccurate and represents a very serious error in your reporting.     I am maintaining careful records of this last communication with you before this matter is escalated to FTC and the Attorney General 's office that you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.     I further remind y  ou that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of Furnishers of information to consumer reporting agencies { 15 U.S.C. 1681s-2 } : ( 3 ) Duty to provide notice to dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
<P/>
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you much now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company.
<P/>  Please see the attachments from   XXXX   XXXX   with my request honored to block my file as  of   XXXX   XXXX  .  You will also find documents from  XXXX   XXXX  showing the public records were removed from my file and then reinserted back to my file. You will also find a letter from the United States Bankruptcy  Court   XXXX   XXXX   of Georgia stating they DO NOT REPORT TO any credit   agencies. You will also find my Transunion Credit report reflecting how Transunion is reporting errors on my file.  <P/> I spoke with several people at Transunion  XXXX  the Supervisor who has stated they do not have any supporting documents to maintain the public records but they are not going to remove this error. I have found that Transunion will continue to break the law and violate consumers so I am now filing this formal complaint in efforts to reinforce proper actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Taking out the loan or lease

Complaint: I never received any bills nor any calls as the dealership incorrectly attached my old address and phone number to my account when they submitted it to the finance company. ( I previously bought a car with them before buying another XX/XX/XXXX ) I has an issue with the dealership for selling me a car with bare tires when per contract it was supposed to be Certified. This was corrected in XX/XX/XXXX/XX/XX/XXXX and I was told I would get a refund on my insurance that I bought and I would not have to make a payment until the tires and bearings were fixed. I have made a payment every month. I have never been late. I relied on the word of the car dealership and now my credit report shows that I have been late paying for about 6-7 months. I just received confirmation that these late payments were taken off of my XXXX report. These are affecting my other reports as well. I have been fighting this for some time now. If there is anything you can do to get this straightened out on all of my reports, just let me know. I appreciated any information or assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have asked Wells Fargo repeatedly to refund the forced place insurance on my rental property, and again they are still charging me, this time another {$740.00}, this has been going on for years. How do I get my money back?

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