milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2017 about Student loan (Private student loan) with DISCOVER BANK (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In  XXXX     2017 my   Company b egan a student loan repayment program, designed to help employees pay off their student loans. These payments are approved through a third party vendor, and require approvals through submission of paperwork and eligibility. In  XXXX   2017 I w as approved and my Company began sending {$100.00} checks t o Discover Student Loans to aid in paying off my loans. I have an auto debit payment schedule with Discover. Prior to entrance into this program, I contacted Discover and explained to them the situation and that a third party vendor would be making payments on top of my current monthly payments. I requested to not have any additional money received to count towards my expected payment amount. Discover has refused to pr operly apply my additional payments, and instead consistently apply them to future due balances, effectively delaying how soon I can pay off my loans and lowering the amounts pulled automatically from my account. I contacted them when I noticed this error, asked to have it corrected, and that any future money received from a third party vendor to be applied directly to principal balance. Since then they have continued to apply my payments incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (PA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I bank with XXXX XXXX XXXX. I 'm on Social Security XXXX, and have been getting more and more Overdraft fees. In the past 3 months I 've been charged over 500 in fees. XXXX is my only source of income. And these fees have been causing undue hardship and harm to myself and my family. This month, due to the rolling overdraft fees, within a week of my social security check being deposited, my account was already in the negatives. I attempted to work this issue with the bank, they removed ONE overdraft fee. My bills generally do n't change monthly, but due to the {$36.00} fee for each overdraft, they have been taking more and more of the money I need to survive. I need some help getting this issue resolved.

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 04/30/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I XXXX contacted Portfolio Recovery by certified letter in XXXX 2015 requesting debt validation including : Name of the original creditor, including account number. 
Original amount owed, including a complete payment history, starting with the original creditor. 
Finally, Documentation that indicates that I agreed to pay someone this sum of money. 
Portfolio responded with a letter on company letterhead with a summary of my name, my last XXXX digits of SSN, balance at date of purchase, and interest accrued since the date of purchase. 
I responded to Portfolio 's letter with a XXXX letter on XXXX XXXX requesting once again for the following information to properly validate the debt : A complete payment history, starting with the original creditor. 
Copy of the contract that states I promise to pay this back from the original creditor. 
Portfolio Recovery 's XXXX response was sending me the same letter originally received. I contacted Portfolio by phone as a final attempt. I was told by the collector that I missed my validation period and they could therefore not provide me with the copy of the contract nor a complete payment history from when the account was with the original creditor. I then asked when did my validation period end. He said it ended 90 days after the account went into collections. I am confused by what he said. I am simply asking Portfolio to provide me the information I requested to complete my validation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Advertising and marketing

Complaint: I have received mail through the post office from CapitalOne offering me a credit card. First, I stamped the envelope " RETURN TO SENDER '' in red ink and put it back in the mail but, I do not remember the date. Second, I stamped it again and then wrote " Please remove me from your mailing list. This is my second request. If this request is not honored I will be contacting the Post Master General and the Attorney General of Arizona. Thank you for your help. '' At the time I did not know to contact the Federal Trade Commission. Third, I received another envelope. In response to the envelope, on XXXX XXXX, 2016 I sent a letter which will be uploaded in the appropriate location on your website. In the letter I enclosed copies of the envelope and explained that I first sent an envelope requesting to be removed from the mailing list. I was wrong telling them I would contact the Attorney General and Post Master General. However, I did formally request to be removed from their mailing, calling, text and any other means of communication the company utilizes. They did not try to contact me and around XXXX, XXXX I received another envelope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I discontinued my XXXX contract in XXXX of 2016. According to XXXX XXXX XXXX my new provider I needed to show receipt of payment to XXXX for the phone device that I had leased, and they XXXX XXXX XXXX would make me whole. WellXXXX immediately revoked access to all my billing statements and went ahead without any invoicing or giving me the bills even though I had asked the representative to send me those, charged my Credit Card for recurring charges. I disputed the item and the Card company agreed that the charge was n't recurring and XXXX inappropriately charged the card. That was the last I heard from XXXX or anyone on this. Just yesterday I received a notice that my credit report had been adversely affected. I researched and it turns out a Debt collection agency by the name of Diversified consultants had put this adverse action on my pristine report. I called them this morning and the agent was n't helpful at all and she hung up on me once I asked to speak with a supervisor. 

Neither XXXX nor Diversified in earnest tried to contact me. the call log on my phone number would show it and they have both the right number and the address for me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Long ago I froze my credit with all XXXX bureaus. Last night I went online and did a temporary thaw at all XXXX bureaus. 12 hours later Transunion shows I have a " lift pending '' and my lender is unable to pull my report. This is unacceptable, my report should be available seconds after I provide my pin and pay for the lift. That is what happened with both XXXX and 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 02-05-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Citibank promised me a {$400.00} bonus if I opened a checking account with them, deposited {$15000.00} and maintained that balance for 30 days. They were to have deposited the bonus after 90 days and failed to do so. I called and complained, they acknowledged that I 'd met the necessary requirements and admitted that they were " aware of issues '' regarding the bonus payment generally. I still have n't received my bonus.

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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: THis concerns all Credit Reporting agency and companys that send info, most state that this will not efect you credit that a lie if you look at my report everyone has files a request and my score has gone to XXXX  anyone should be able to make inquires without paying a price the credit companys are out of control and you as gov neeed to do something about it iworked for the XXXX for 37 years as aXXXX XXXXand as a XXXX XXXX  also spent 37 years working for the XXXX and XXXX I do havepeople in Wash that I CAN contact but after looking thru items its your job to correct items I would exspect feed back as to what actions you intend to take, I thank you.

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 05-09-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: FURNISHING FALSE REPORTS TO CREDIT BUREAU 'S

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello, On XX/XX/XXXX, XXXX XXXX sent me a letter saying the following : We want to let you know about a processing error that we found during a review of your account, and we want to share actions we 've taken to address the issue. 

Credit reporting on your account We 've determined that a processing error resulted in an additional month being added to a delinquency that we reported on your account. This may have impacted reporting on your account for XX/XX/XXXX. 

This error is making it hard for me to refinance my mortgage and it has not been changed by XXXX XXXX according to the three major credit reporting agencies. 

When I called XXXX XXXX in XX/XX/XXXX, they were completely unhelpful, and they said the burden of proof was on me, even though I received a letter from them. I have all the payment information from my bank and the letter from XXXX XXXX as proof of their error, and I need this to be rectified ASAP. 

Thank you in advance for your assistance 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 04/29/2017 about Debt collection (Other debt) with N.A.R., Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The reporting agency is reporting that I owe  two  separate amounts which is not true. I owe this agency no money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: The bank. had a legal hold on the funds in my checking account. I am in court challenging the validity of the hold on funds that should be considered disabilty payment. On XXXX/XXXX/16 the bank made my funds available in the savings account so I transferred all the funds to my checking account and subsequently withdrew the cash from my checking account. I did believe that I had won my case and that was why the funds were released. There appears to have been a glitch in the system because the bank says they never meant for the funds to be available to me. I contend that this is a mistake on the bank 's part and they are responsible for the mistake. The bank reversed my transfer on XXXX/XXXX/16. There was no longer any funds in either account at that time except for my paycheck of approximately {$150.00}. Now my account is {$3200.00} in the red which is not correct. I do not have a credit line with Chase so this reversal is contrary to my account access for over the limit withdrawals of which there are none.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/19/2016 about Debt collection (Medical) with PlusFour, Inc (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have contacted this company on several occasions to send me validation of the debt for a medical bill, and they have failed to do so of any signature. I have also contacted them to let them know that I never signed any paperwork releasing my medical records. Which is a HIPAA violation. They refused to work with me so I than contacted XXXX to get this debt removed, and sent a certified letter letting XXXX know that this a HIPAA violation because I never signed any paperwork releasing any of my medical information.

Company response to consumer: Closed
Consumer complaint received 04/25/2017 about Credit card or prepaid card (Gift card) with PAYPAL HOLDINGS INC. (MN).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: XXXX / XXXX / XXXX  : Purchase  XXXX    XXXX   XXXX   E-Gift card through  XXXX , each card worth {$50.00} store value. Seller -  Paypal Digital Gifts.       XXXX / XXXX / XXXX  : I found out  XXXX  of my   XXXX   XXXX   E-Gift card got  XXXX  balance, I tried to contact   XXXX   XXXX   and  Paypal Digital Gifts,  they both  XXXX  the problem back and forth. I called   XXXX   XXXX   and get the transaction detail of thoes  XXXX  gift card, which will list below  XXXX / XXXX / XXXX  -  XXXX / XXXX / XXXX  : My   XXXX   XXXX   E-Gift card was used by someone else located in Florida, where I am a resident in Minnesota the whole year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/17/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing , Inc. has not provided a corrected XXXX for XX/XX/XXXX. The original XX/XX/XXXX XXXX was received on XX/XX/XXXX containing an incorrect interest paid amount paid in XX/XX/XXXX I notified Owen on XX/XX/XXXX that the XX/XX/XXXX XXXX contained a lower amount then what was paid in XX/XX/XXXX. They said they would correct the interest paid and send out a corrected XXXX for XX/XX/XXXX. I never received it so I have called repeatedly in order to get the corrected XXXX before the XX/XX/XXXX IRS filing date. I also send them a secure email messaging restating the problem. I still have n't received it so I had to file for a tax extension.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Debt collection (I do not know) with Second Round Limited Partnership (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and when I saw a collection from Second Round LP it freaked me out. I went to the FTC & Identitytheft.gov website and filed a case. They instructed me to fill out and notarize a ID Theft Affidavit. It 's been over 30 days and no response. What do I do? XXXX. Not trying to give a sad story it 's just, .. how do I fix this when I follow what the sites said. Please help thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX  XXXX and Experian are reporting 2 hard inquires which I need validation for or please remove : Inquiry : XXXX Date : XX/XX/XXXX Inquiry : XXXX Lease Only Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have had my Sears account since XXXX and have gotten my updated cards regularly and do all my payments online and opted out of paper statements years ago. My card expired in XX/XX/XXXX and have never received a new card. When I called they said they were reviewing the account and I should know in about a week. Told me my available balance and said I can shop just have ID and my social security number. However, for about a year or so prior every time I logged on I had to verify the spelling on the card which I never had to do in the past. Also prior to my card inquiry sudden ; y I could no longer log on to make payments or check the activity on this account. It would not take my credentials. Nothing had changed. Called technical and we tried and tried no luck. Wasted an hour. So I had to make the payment over the phone. Every month thereafter same scenario and still no way to get access. Finally last month a representative stated that the reason was that I needed the new card information to create a new logon and that she would send out a new one. I made the payment over the phone that day and she waived the late fee since it was due the day before and I could n't get access. I still did not receive the card and all these months have had no statements or know if the balances were correct and just paying them blindly. This month I contacted them again and spoke to a supervisor and explained the situation and again no help. There is too much fraudulent transactions with these banks and I need to get this resolved ASAP.

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 07-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MT).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of this year, I utilized the Ditech mortgage website to start making bi-weekly payments. Payments have been deducted from my savings account, but mis-applied to my mortgage. I contacted Ditech on XXXX XXXX by phone after receiving a statement saying that my mortgage was late. I was told that the payments would be corrected and that the late fee would be waived. I checked the website on XXXX XXXX and my account is showing that my mortgage is due for XXXX XXXX, but should not be due until XXXX XXXX. They are also showing that I owe a late charge, but I have never been late. I used the messaging system on their website, but have not received a response and the error has not been corrected. In looking at their website, I also noticed that their policy is to place partial payments in suspense rather than applying them to the loan at the time received even though the whole point of the bi-weekly program is to reduce interest paid and pay off the mortgage sooner. I am concerned that their errors in posting my payments and their failure to properly correct the issue are going to negatively affect my credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On  XXXX   XXXX   XXXX   XXXX  through  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  AZ  XXXX  reported a delinquent account of {$3400.00} on Equifax site in my name. I did not purchase any item, contracted any loan or services from  XXXX  that resulted in delinquency. I Remembered that I was employed by  XXXX  on  XXXX / XXXX /  XXXX   as an  XXXX   XXXX  until  XXXX  when my contract with them came to an end. I handed over the files of all completed and pending sales, almost  XXXX  customers to  XXXX   XXXX  who was my immediate supervisor.When I became aware of this information on my credit report, I reported to Equifax about the in accuracy of the report.  XXXX  have never contacted me about any debt after I have separated from them. I want this inaccurate information remove from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Deposits and withdrawals

Complaint: Please find the email I sent to BOA re : them overdrafting my account by double debiting a BANK check. Not only was I NEVER able to reach a live person on the phone ( after two 25+ minute hold times ), I sent the below email to them only to have them respond to me that they no longer accept such emails and directed me back to their Online chat, or call center. They are the worst ( though they 're likely in good company with other massive banks ). 

Dear Bank of America/client retention : You have your work cut out for you today. I 've had enough. Enough of your poorly facilitated transactions, poorer customer service, and lack of any kind of reliable feedback. I 've been a BOA client for over 10 years, with checking, savings, credit card, and business accounts, however you 've done NOTHING to keep my business, and now I know that the final straw has been dropped. 

Today you double-debited my checking account for my rent check, overdrawing my account by {$1500.00}. When I called to rectify, I was on hold for over TWENTY minutes ( 23 minutes before I had to move on with my life, and hung up ). Concurrently, I attempted to use your chat service- for the first 10 minutes, NO AGENTS were available. Then, I was told it would be a 6 minute wait. SIX minutes- to clear up your error. Keep in mind, I 'm still on hold on the phone during this entire time. 

Next, I tried to send an email- to my surprise ( though perhaps I should n't be surprised given your pattern and trend of sub-par service ) the only " options '' I was given to send an email re : checking are : order a check copy, order a statement copy, or " financial hardship. '' Are those really the ONLY things you think your customers might need to email you about?? 

Enough. By my own sweat and efforts ( as you 're clearly not accessible to help ) I 'm going to clear up your error regarding my checking account. I will next be opening new accounts with my local bank. My direct deposits, cash, and all other immediate banking will be going elsewhere because, frankly, you 're too big to care. Shame on you for being a glutton. Shame on you for becoming the target and symbol of what this country now despises. I should have seen this coming, of course ; I 'm just too smart to be banking with BOA. 

Sincerely,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief