milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2015, at around XXXX, I deposited a small payroll check into a Bank of America, ATM near my home. I earned the check, that was deposited into my saving 's account, as a XXXX for a XXXX. The check was issued from a local, reputable, employment agency. I received a printed receipt from the ATM stating that the full amount of the check ( a little over {$200.00} ), was " Available ''. That same evening, around XXXX, I went into my Online Banking and transferred the deposited funds ( Available funds ) into XXXX other accounts I have with Bank of America in order to make payments on credit cards. The next day, XXXX/XXXX/2015, I found that my checking was overdrawn and that a HOLD had been placed on the check. According to the notification showing in my online banking ; A letter had been sent, Via XXXX, stating why the funds were put on hold. Additionally, the letter would state when the funds would be released. As of XX/XX/2015- I have NOT received a letter from Bank of America stating why the funds are on hold, or when the funds will be released. After I complained, via chat ( on XXXX ) and phone on ( XXXX or XXXX ) I did receive an email from the bank on XXXX/XXXX/2015 stating that there was a notice added to my account. When I logged on to my on line banking to read the notice there was a notice. Strange, but the online notice was dated XXXX/XXXX/2015. The notice states the following : A hold was placed on your check ( XXXX ) because check specific information indicates item may be returned. When I checked the notice the XXXX time, on XXXX, I do n't recall seeing a date when the funds would be released. However, it is possible that I am mistaken regarding there being a release date on the letter- and I will check my records to see if I have downloaded the notice prior to today. However, the online notice is an obvious template with a box to add information and I am skeptical that the release date was in the notice the XXXX time I checked. The reason I am skeptical is, that I specifically called a customer service agent to ask for a letter, and the release date of the funds. The agent I spoke with told me, over the phone, that the funds would be available on XXXX. Now the notice, that I have to log in to my account states the date for the funds will be available on XXXX/XXXX/2015. I do n't understand why the bank ca n't tell me whether or not the check is good, and is not able to obtain the funds into the account in 10 days! I work on weekdays during banking hours and have had no answers from Bank of America 's customer service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI 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: I have retained new copies of my credit reports, and noticed that Afni did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which they signed for on XX/XX/2017, I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. The listed item is entirely inaccurate, and represents a very serious error in there reporting, also they have not presented me with my signature as proof of any contract with their company, as with many other consumers, we are pressured into paying collection agencies in order to maintain our good credit standings. This is a perfect example, as I was pressured to pay, as I didnt know what the Law was at the time, and in response to the threatening letter that I received. I have been in contact on numerous occasions, and they continue to be not responsive to my request to remove this entry from my report. My credit has suffered, with high interest rates, and recently rejected credit applications from banks because of this entry. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (DE).
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: The company ( Chase ) agreed to correct the incorrect late reporting ; however, the late payment is still reflected on the XXXX report, and affected my current refinance because my score was slightly too low for the lender 's credit of over {$400.00}. Chase was notified about this issue in early XXXX, and has still not corrected the problem. Please see the attached evidence, which is a copy of the Chase letter, and a copy of the XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have reportedly asked that XXXX, XXXX and now the collection company Midland Funding remove this debt. XXXX has agreed to do this and to my knowledge has done so. Midland Funding has not removed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have been on deferment since 2015 but apparently they sell that information i get at least 3 calls per day of companies telling me they can help me I spend 30 min on the phone and no luck, I 'm sick of the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2017 XXXX XXXX appeared on my credit report with a balance of {$400.00} I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 11/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage with CitiMortgage. They went up on my mortgage to the point that it was almost impossible to pay. I asked for a loan modification and they asked me to stop making my payments for 90 days. I did everything that they asked me to do. while I was doing what they asked they were behind my back the whole while trying to foreclose on my home. This has been going on for a while. They continued to ask me to send them the same papers over and over again. I send them the papers and the process just goes on and on with the same results. This is a conspiracy. PLEASE HLEP ME!! They are stealing my home from me. Many of my payments were not reported and Escrow money was stolen

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (I do not know) with Synerprise Consulting Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe this debt and it is bringing my credit score down. I have no clue what this debt might be.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Payday loan () with Advance America, Cash Advance Centers, Inc. (MO).
Issue: Can't contact lender

Complaint: Filed chp XXXX and included all loans, being harassed for payment by XXXX and XXXX. My attorney contacted them to cease and desist. They continue to harass me with emails threatening a lawsuit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted documentation to the short sale Deed in lieu ( DIL ) specialist/ Veteran Affairs deed in lieu point of contact appointed by Bank of America ( BOA ) in XXXX 2011. I subsequently received and submitted notarized paperwork from the BOA attorneys working to complete the DIL. The expectation was that I would receive a final no further contact in form of letter when process completed, however I would receive 1 ) a release of the title ; 2 ) cancellation of the mortgage ; 3 ) record release of the mortgage ; 4 ) report cancellation of mortgage to credit reporting agencies as deed in lieu of foreclosure ; 5 ) report cancellation of debt to IRS ; 6 ) and final settlement paperwork upon request. I only received the XXXX IRS tax documentation with regard to the DIL. I did not receive my receive any of the other agreed upon items and when I requested the final settlement paperwork the attorney denied I had completed a DIL. Subsequently, I had the loan sold to another bank and the property was foreclosed after repeated attempts to complete DIL 's.

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 04/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with New Century Financial Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I filed a complaint with you against XXXX & XXXX and sent documentation of the paid debt to you. They were still allowed to take money out of my bank account and place holds on my motor vehicle registration until I paid the amount they listed. After seeing your action dated today I am wondering if I will receive any of the money taken from me. I also have an additional complaint ( # XXXX, Merchandise Credit Guide ) with you that I have not received any response from. I am concerned that the penalties received are not being given to the people wrongfully strong armed into paying and not receiving the money back. Please reply.

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 12-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: After multiple attempts in writing and phone calls to Navient, the servicer continues to report my loan incorrectly to credit reporting agencies. The errors severely limit my efforts to restore my creditworthiness after I successfully rehabilitated my student loan and consistently making each monthly payment. The specific errors are : 1 ) Although I have XXXX loan, Navient reports XXXX separate loans with the same loan number resulting in a doubling of my student loan debt and monthly obligations to Navient ; 2 ) Navient incorrectly reports my loan as " Balance paid or being paid by insurance. '' This is incorrect and the servicer has failed to remove this remark after several requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2017 about Debt collection (Non-federal student loan) with National Enterprise Systems, Inc. (PR).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Received collection call from debt collection company called National Enterprise Systems, on XXXX XXXX, 2017 at XXXX XXXX in XXXX XXXX, number that called XXXX XXXX ) XXXX, regarding student loan private loan debt, demanded that I give them an answer regarding my solution to pay off the debt within an hour, demanded that I had to call my cosigner ask the cosigner to put the debt in a credit card to get rid of the debt and get rid of them, pressured me to call back within an hour with a solution, was insensitive to my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Medical debt) with Paramount Recovery Systems, L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Contacted this company on  XXXX   XXXX  about a couple of negative items I found on my credit report and came to found out that they are medical bills from ER visits and informed me that I have no knowledge of these since I already have insurance and these ERs are not close by or in network of my insurance and requested to see copies of what they have. I got hang up on and disputed that with the credit bureaus.   This company is committing fraud and very unprofessional, I received finally this month a copy from  XXXX  of what looks like a made up bill with no info on it.  Paramount Recovery System should do better at protecting consumers and investigate when identity theft is in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been consistently paying Navient, private loan, for over 5 years. Originally, they were collecting my extra monthly payment and using it for future payments. My balance would should XXXX every month due to over paying. 2 years ago, I found out about this dirty practice and had them change extra payments to go towards principle loan. 
These past 3 months, it seems they changed my payment method back to extra payments being pushed to future interest or pay, showing a XXXX monthly pay balance. After paying off $ XXXX on a specific loan, I repeatedly told a Navient rep 2 months ago, I want extra payments to go towards principle. They did not comply to my request and have continued to keep my payment method same. This is a dirty practice and they are collecting " free '' money from the hardworking consumers. The loan balance has not gone down and they are stealing. I would have been done paying off the private loan had they put my extra payments to the principle loan. Please put a stop to this form of payment system by Navient. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Other fee

Complaint: About JC Penny Credit Card. I found XXXX of {$2.00} minimum interest charges in XXXX/XXXX/15 and XXXX/XXXX/15 statements. I called JC Penny Credit Card around XXXX/XXXX/15 to ask why and they explained they were on the purchase I made on {$5.00} on XXXX/XXXX/15, which went to the remaining " promotional '' rate of balance and therefore those charges were made. 
First, no explanation until the call that that amount went to that kind of balance. 
XXXX, the lady on the phone waived those XXXX {$2.00} charges ( total of {$4.00} ) and I confirmed online that those charges had been refunded a few days after the call. BUT mysteriously, XXXX of the refunds had been disappeared when I checked online today. 
Third, assuming only {$2.00} were refunded, the latest balance that not reflect the refund. 
Fourth, the refund was made on XXXX/XXXX/15 and another {$2.00} minimum interest charge was made on XXXX/XXXX/15. I can see those on " Recent Activity '' page of their website, but again mysteriously, those transactions are not in the statement on XXXX/XXXX/15. 
I was just sick and tired of this never ending charges and just paid the remaining balance full today ( XXXX/XXXX/15 ), but I want those {$2.00} x 3 times = {$6.00} back or at least {$2.00} x 2 times = {$4.00} back as was agreed and done on XXXX/XXXX/15 phone conversation with JC Penney Credit Card Support lady.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-12-2016 about Consumer Loan (Vehicle lease) with AC Autopay, LLC (TX).
Issue: Problems when you are unable to pay

Complaint: XXXX/Motolease is reporting the wrong balance on my credit reports and is refusing to update that the account has been settled in full with XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I checked my credit report and found an inquiry from SYNCBWALMART PLCC. ( XXXX, XXXX, FL XXXX, XXXX ) I have not applied for any credit cards. I tried to call the number listed on my credit report by XXXX, but it wants me to enter my SSN or account number ( which I do n't have because the application was fraudulent ).

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 12/19/2017 about Money transfer, virtual currency, or money service (Money order) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Lost or stolen money order

Complaint: I attempted to pay my rent in XXXX 2017 with the BillPay function that Bank of America provides. Apparently the check was stolen and cashed. I still had to pay my rent that month, so I had to write another check. Bank of America gave me a credit for the stolen amount, but it was a 30 day temporary credit. 

Every month since Bank of America has let the temporary credit expire, with no warning or notification. I end of checking my account balance, seeing that the credit has expired, and calling them to reinstate it. This has happened every month, and although individual customer service reps are sympathetic, they all say there is nothing further they can do. One rep told me to " pretend the money is n't really in your account ''. 

This is money that is mine, that I trusted Bank of America to send to my landlord, and was stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (I do not know) with Chaplain Financial Services LLC (RI).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: I keep receiving phone calls fro CFServices LLC, stating that they will contact my place of business and that my supervisor and or manager will have to sign documents and present them to me personally. i never heard of these people they do not specify who they are or what they are calling about. they have left threatening messages at my home, work and on my cell phone. 
its a recording that comes from a local number XXXX and tells me to call XXXX reference # XXXX and that if i do not they will serve me at my place of employement

Company response to consumer: Untimely response
Consumer complaint received 11-10-2017 about Debt collection (I do not know) with Monterey Financial Services LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A company named Monterrey Finance calls and leaves recorded messages saying " this is an attempt to collect a debt if you are not the person we are calling then do not listen to this message. '' Then the recording starts over and adds " call us back today '' I have answered the phone and the recorded message continues. 
I have answered the phone and pressed the # 1 to find out what it is about and the recording continues. They call every day but I have been erasing the messages after my attempts to contact them have n't worked. 
I have erased the days other then the two stated since I did n't plan on filing a complaint until today. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation