milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: On XX/XX/ I wrote a letter to Bank of America explaining my financial hardship. 
I stated that I have lossed a family member and had to help with funeral cost which is why I have missed payments. In the letter I stated if Bank of America would accept a reduced payment for the next 2 months on my debt starting XX/XX/. I also said I am not able to meet the current payment. And that I will pay you {$100.00} per month during this emergency. Starting XX/XX/ and I requested that my account not be placed with a collection agency and also withholding interest on my debt. I have received a letter and it did not assist with my issue stated in my letter.

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 11-02-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery was advised by judge to remove collection off report when paid in full..agreement was signed by judge.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted the companies as well as the bureau. These inquiries were not authorized by me. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, FL 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 11-04-2017 about Debt collection (Other debt) with Experian Information Solutions Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX filed a state tax lien ( s ) which was reported by all three credit reporting companies. The lien ( s ) have been released properly under Cert # XXXX for XXXX XXXX reported as Release of Lien by XXXX and XXXX, However, Experian is still reporting the lien filed with the XXXX XXXX County Recorder as being an open and active lien not as RELEASE OF LIEN like XXXX or XXXX have already updated their report the reflect RELEASE OF LIEN as noted below for Experian : Experian Court / Docket Number Plaintiff Ownership Filing Date Balance Amount XXXX XXXX XXXX XXXX Individual XX/XX/2016 State tax lien

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: wells fargo, i over dratfed an account. for 60 days. made a agreement with wells fargo debt collection to pay everything back in XX/XX/XXXX with no one saying i would have my cards freeze, they knew we have been through hurricane IRMA and lost my job, they said we understand please pay something, i did {$25.00} and first paycheck being XX/XX/XXXX it would be paid. XX/XX/XXXX they freeze all the cards for misuse. filed an complaint with excutive department. but they would not issue another card to myself or wife which was a conjoint account. no other withdraw happened when the account was over drafted, they did charge me a {$12.00} for not making a min of 12 swipes in that month. but how could i if the account was over drafted.

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 12-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had a bank of america credit card and went through some financial hardships during my last year of school in the beginning of 2017XXXX i was starting to establish a great relationship with bank of america by always paying my card on time and have had 13 years of great credit history. i had an account close during that year of financial hardship and sent to collections which i have now taken care of by settling and clearing it with bank of america back in XXXX this year. I want to start building a realtionship with bank of america again.

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 02/28/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I have made a transaction using Chase quickpay. I sent money and turns out that was a fraudulent account. Chase advertises their quickpay option as a safe and protected way to send money, but I contacted them and they told me they can't do anything to get my money back. I wanted to cancel the transaction and they would not let me even though it still says " pending. '' Please do not advertise or work with a money transferring company if you do not protect users from scam. I found out that the person I sent money to was an identity thief and Chase won't even protect their customers from that.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan modification,collection,foreclosure

Complaint: Approx XXXX XXXX 2015 I made complain against America Service Company I applied for loan modified and the paper work continue to get misplace from the Agency. I was never told they denial the claim, I began with a new Contact and they continue to ask for additional paper work I send the paperworked requested, When I ask XXXX the reinstatement amount he told he could not tell me and that home was not in foreclose status, after final talking with customer service, they said it was but could not give me a amount. I think the Company does not have any intention to help the consumer.Conflicting information.Omb # XXXX previous claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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: This relates to : XXXX I was seriously considered when this company review my case. Well after the security breach at XXXX that exposed my credit profile yet again, I have requested with follow up the removal of the hard inquires on my credit report. The XXXX breach allowed other attempts o my and millions of other Americans Profile with the past year. I Believe if CFPB can not compel Experian to remove these items I will have no choice but to escalate to court of law. I make no empty threats as I have done so in the past. ( see 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 05/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Problems caused by my funds being low

Complaint: I opened a bank account at Wells Fargo in XXXX, Co. in 2015 and had my Veterans Administration Pension deposited directly. While my account was active, the bank received a garnishment letter from XXXX XXXX Child Support Enforcement Unit. Due to my deposits being from Veterans Affairs for my pension, the account funds was not garnishable. Wells Fargo charged my account XXXX dollars for processing the garnishment order, like I mentioned, led to non garnishement. I contacted the Regional manager from Wells Fargo Bank by phone at was told that once the account is cleared by the XXXX, that they would credit the XXXX dollar negative balance my account had because of the order. It never happened. I went to the location where I opened my account and talked with a bank rep. but was unable to get the reversal of the XXXX dollar debit which led to my negative balance. My account is was closed by Wells Fargo for not getting the funds after I stopped my direct deposit and has sought other collection procedures to include phone calls to my phone asking when I was going to pay it.

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 01-06-2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The information that I used to sign up was put on the dark web. Surveillance was used to steal my belongings.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I am requesting an investigation into an incorrect 120 late payment posted fromXX/XX/XXXX. Beginning XX/XX/XXXX my Capital One account changed from ( Visa to Mastercard ). This caused inaccurate payment postings. I had difficulty paying online and was unable to post payments correctly. The payments were posting to the incorrect account. I had excess on one account and a late charge on the old account. I continued to get mail stating I had n't made a payment.
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I contacted Capital One and the representative was confused about my request, but I was finally able to speak with someone that understood my problem. The representative was able to assist me to finally post the payment to the correct card, but it left me with an inaccurate and unfair reporting to XXXX. Capital One continues to report that I was 120 days late making a payment. This account had a maximum balance of {$180.00} part of which was fees from untimely payment due to the change with credit card types. I did n't request the change in credit card types and I did n't request to have the accounts incorrectly posting payments. I had n't had any delinquent payments prior to this credit card change ( Visa/Mastercard ) and have not had any late payments with any creditors since this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: To Who m It May Concern : I have disputed my credit report due to incorrect information. After that happened, I been not able to get my credit report to me. They have made it harder for me to request one.  Before, this never happened to me. Also, my name, telephone and address are incorrect. I have disputed that before and they completely ignore it. That is what is happening to me and I am getting   XXXX   XXXX   of it. Therefore, I need the CFPB to help me and be ON MY SIDE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: earlier on in the year of XXXX, I filed a complaint with you regarding the servicing of my loan from SpServicing. Reference case # XXXX. They were clearly not honest with there response to you regarding my XXXX payment and the final loan modification. I will attach all of my documentation including bank statements for the entire year of XXXX and the trial modification and the final modification. I also have a letter from them dated XXXX XXXX that my final modification was approved. The XXXX payment which they claimed, I did not make, was one of the 3 trial payments of which I phoned in XXXX, XXXX and XXXX payment on XXXX/XXXX/XXXX. If I did not make my XXXX payment, how would I have been approved for the final modification as outlined in the trial modification? Once the final modification was approved, everything escalated from that point. Accusing me of not making payments and no one could tell me which payment was not made. I have had XXXX in XXXX and could not handle all of this along with my health problems so I retained an attorney after I received your response from SpServicing and their response as well. It also appears that they are not applying the payments correctly to the PITI as outlined in the trial modification and the final modification. I am reaching out for your help again to protect me as the consumer with the servicing of this loan do be done in accordance to the trial and final modification. They are also threating me with notices of default every month. How can they do this when all of my mortgage payments are made on time? You will be able to see this as I am attaching proof of payments for the entire year of XXXX. This mortgage company also will not let my attorney speak with their attorney and a manager does agree that I have a modification, but they have yet to honor it. My attorney is also getting frustrated with them and he now knows that all of my complaints about this company and the servicing of my loan are valid. He as well, has a copy of my final modification and proof of all of my payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Medical) with Robinson & Hoover (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: i lost my home to a house fire so the address that they served to was a complte loss this bill should be covered under soonercare contacted the attorney about a subpena dated XX/XX/XXXX that i recieved in XXXX of XX/XX/XXXX called the hospital saw the error they told me it would be fixed and saturday XXXX XXXX i recieved a statement saying they rendered a judgement but i was never iven the oppertunity of a court date further more the hospital saw the error and said it would be fixed but this XXXX said dhe cared nothering about the home burning that all she cares is that i was served in XXXX XX/XX/XXXX and they were going to garnish wages and sue me for a bill that should be covered instead of garnish the wages i should have been allowed to show proof of covereage then she threatened i will pay attorney fees as well as not be compensated for funds fradulently withdrawn from my payroll sooner care will pay the bill so i dont understand why i have to be sued or at east not given oppertunity to go for soonercare myself

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I wrote the credit bureaus and explained the late pays were incorrect. They did not change them. 
Attached are bank statement copies for each month reporting late for XXXX showing I paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I forwarded the following with all attachments of payments to this debt collector but I am still getting contacted. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 2016 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Billing Error Notice - Account Number ending in XXXX To Whom it May Concern : I have received your bill in the amount of {$3900.00} regarding a collection for the Costco Anywhere Visa Account. I have paid this bill in full to CitiBank on XXXX XXXX in the amount of XXXX with the following confirmation number : XXXX. I no longer owe any debt to Citi bank. 

Please check your records and correct my account. Also, please do not send me any more bills or call me until this matter is settled. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, 2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (NV).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I get phone calls everyday, they are calling relatives, friends and people I do n't have contact with anymore, they are calling my employer constantly and I am being reprimanded at work for the phone calls.

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 05-11-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Loan Modification : We owed a balance of about {$300000.00} on our home in XXXX. We receive a loan modification in XXXX with OCWEN Loan Servicing LLC we now owed {$350000.00} and we have a balloon payment at the end of 30 years that we do not know how much it is. This home is only worth about {$200000.00}, I thought loan modifications was supposed to help people not hurt them we have lived at this house since XXXX XXXX and we still owe {$320000.00} on the house something is not right here if you ca n't help us at least point us in the right direction. We have been approved for two principle reduction. This company did not work with us so we did not receive either one of these principle reduction we want this company to be responsible and give us our principle reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (IN).
Issue: Charged fees or interest you didn't expect

Complaint: When I received this loan, I knew that I would get some money to pay it right off the next week and was given a payoff amount after emailing to ask what it may be. I was given three different amounts first it was {$870.00}, the second one was XXXX and the third one was XXXX. These amounts for payoff were all given within three weeks. The loan was for {$750.00}. I have put a stop payment after calling to pay off but was given the run around which didn't allow me to pay off the amount. I would like for them to stop contacting me since they are trying to make me pay more interest by not allowing me to pay them off when I first called to do so. Awful company.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: Per the Texas Finance code even a credit bureau is required to have a valid surety bond to collect on debt. This company does not have a valid surety bond with the SOS of Texas and is attempting to report and collect debt on my credit report. Specifically, debt from XXXX XXXX XXXX  Texas Finance code Section 392.101 The regulatiin rewards {$10000.00} For each violation.

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 12-02-2015 about Debt collection (I do not know) with AllianceOne Recievables Management (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received XXXX calls over the last year concerning XXXX people who i am not associated with and do not know. Although I have asked these companies to STOP calling here and to remove my number from their records, they have not. They are continuing with this pursuit no matter what i do. I am also on the do not call list since 2013 ( XXXX ) I have reported these companies over and over again but the calls continue under different names ... sometimes private numbers all in pursuit of XXXX and XXXX. I need help to stop this invasion. I consider this Harrassment and want it to stop. I also want them penalized for the Harrassment and continues to this day. As a matter of fact today i got another call which i reported to do not call. My evidence lies in all the complaints over the last year to do not call You may contact them and check my story

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Student loan (Non-federal student loan) with AES/PHEAA (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have contacted your company before with a complaint about AES. The last they spoke to me they informed me that they would send out papers that i could fill out for XXXX in a hope that my loans would get forgiven as i can not work. They have done nothing at all. I then tried to contact highcliff trust who owns the debt. They seem to not even exist! I can not find any information on them and AES gave me a phone number that was not even real. THEY ARE CROOKED AND NEED TO BE SHUT DOWN BUT NO ONE DOES ANYTHING!!!!!!! My next step is to contact eh attorney general of my state and speak to a lawyer as talking to aes myself has gotten no where.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 began disputing these items with the Credit Bureaus, and more specifically Trans Union on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.

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