milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-05-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: Bank of America closed my account without sending me a correspondence regrading as to why they close it, i called customer service on XXXX/XXXX/XXXX and the representative told me he does n't know as to why it got closed the only reason he could tell me is I had late payments on the credit card. I asked if the only reason to open it is to reapply again and the rep said yes. the reason why i got late payments is I got XXXX and could n't pay it, I payed the credit card on XXXX/XXXX/XXXX for {$230.00}. I feel that I got discriminated on this matter and treated unfairly.

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 09-01-2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: I put in a " Stop Payment '' request on an electronic withdrawel from a payday loan company ... and the teller said " sure no problem, you just have to pay the XXXX fee '' I asked her " are you sure ''? do I need to submit a letter? and she said No! I made this request 3 weeks before my sceduled withdrawel, I gave her the name of the company and the exact amount and the date the money was supposed to come out. As of today the money has been taken!! I called U.S Bank this morning, and was told that stopping a payment is NOT a guarantee. I WAS NOT TOLD THIS when I walked into the bank 3 weeks ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Credit card) with CONGRESS COLLECTION CORP (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the debt directly to XXXX XXXX XXXX on XXXX XXXX, 2015 for {$240.00}. The collection agency Congress Collection Corp has harassed me by calling me at work and sending threatening letters since that date saying I still owe this debt. They have written a negative message on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NM).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: LVNV FUNDING LLC, is attempting to collect a debt for a credit card with XXXX XXXX Bank that is not mine. This is showing on my credit report as a derogatory mark.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On all XXXX of my credit reports there is XXXX XXXX XXXX # XXXX which is shown in Adverse Accounts. I included this in my Bankruptcy which was filed XXXX/XXXX/15. That fact is not shown on none of the Credit Reports and I wish to change that on all 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 non-monetary relief
Consumer complaint received 08-02-2017 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have debt with National Auto Finance for a loan that I cosigned with my sister. She stopped paying on the car in 2010 and it was repossessed. The reason I am writing you is because the debt should not be on my credit report and has an illegal date of last activity, DLA, of  XX/XX/XXXX . It is showing up like I recently paid on this item which I have not and since it has been 7 years, it should not be on my credit report. Please have National Auto Finance remove this item from my credit report.

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 03/20/2017 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Calling me at work, threatening me. Call back hang up in my face. Attempting to collect a debt that is not owed. I do not have a contract or agreement with this company. I have never obtained money from them. The original pay day loan company was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Advertising and marketing

Complaint: I have had an American Express ( AMEX ) credit card since 1979 and have been happy with the service until my recent change to a new AMEX card that offered 'no interest for 15 months on balance transfers '. I was not told during my telephone application for this card that there is a THREE PERCENT CHARGE ON BALANCE TRANSFERS. XXXX notwithstanding, I believe that it was deceptive to offer me a " no interest '' balance transfer and fail to mention the three percent service charge.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I had a USAA account opened in my name and was used for depositing checks and fraud. I Tried contacting the bank several times but the kept telling me to call back in three days. that was four years ago, the issue was never resolved and they told me i owe them {$11000.00}. because of this i am unable to open an checking account with any bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Mortgage (VA mortgage) with LoanCare, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My auto payment per month to the LOANCARE company is {$1800.00} but in XX/XX/XXXX they charge me {$3600.00}. So I call them and they said they wo n't charge me in XX/XX/XXXX but they still charge me in XX/XX/XXXX that make me spend over budget and I have to pay the over drafting fee. But luckily I call my bank and they agree to give me back my over drafting fee because it is the first time. Then I receive an email from LOANCARE company saying that they wo n't charge me for XX/XX/XXXX. 
After reading that email, I left my guard down so I did n't print out that email and now it is no longer in my inbox. They charged me in XX/XX/XXXX that make my account went overbalance again then they gave it the money back but they did n't give me the over drafting fee. So I have to call my bank again and they agree to give the over drafting fee back to me. 
But on the XX/XX/XXXX, they charge me again and now I have to pay the over drafting fee because my bank wo n't give it back to me. So I call the LOANCARE customer again, they said I have to send them an email explaining what happened and they will give me a ticket number then I will wait for their call back for a solution. But they never call me back nor send me a reply email. 
I 'm still waiting for their response but now all I get is a letter saying that I have to pay a returned check fee to their LOANCARE company.

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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XXXX/XXXX/XXXX I filed a Chapter XXXX Bankruptcy due to hardship and trauma in my family. 
While there is a great deal of shame and grief in admitting you are bankrupt, it was our only option to renewing our financial profile. 

My understanding, by law, is that the Bankruptcy would remain for 7-10 years on my credit report. While I have endured the greater portion of this penalty, as I am now in the 9th year of this being held against me, I am now requesting that the Court remove the Bankruptcy from all three of my Credit Reports, including, XXXX XXXX, XXXX, and Experian.

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 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
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: XXXX XXXX XXXX have been re-aged repeatedly - see attached XXXX, XXXX, XXXX credit reports. Closed accounts are reposted with newer closed dates and payments are shown in closed accounts to continue reporting. 

Age off dates are posted in my credit reports XXXX, XXXX, XXXX, XXXX they just keep moving forward. 

I disputed the report two weeks ago and the CRAs posted a year of new payment activity in the long since closed account in response last week. 

Please fix this.

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 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I am writing in reference to a Released XXXX XXXXn that is reporting on my XXXX and Experian credit report as Serial No. # XXXX. The XXXX has been released since XX/XX/XXXX. I have filed numerous investigations in efforts to having this public record removed by phone, letter and online, the most recent was XX/XX/XXXX and it came back updated XX/XX/XXXX. This the same released XXXX XXXX was immediately removed by XX/XX/XXXX after 1 investigation. 
Under the New Law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN and DOB in order for it to appear in your credit file. XXXX or Experian has not updated their information and PER the New Law the Released XXXX XXXX listed does not include all the required information and should be deleted from my credit reports.

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 01/18/2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Went to free anual credit report site. Got my XXXX and XXXX reports. However Experian gave me a response that they already gave me my report. I have attempted to contact Experian by phone and internet to no avail. All options are automated and they ALL want me to input a valid credit card and agree to be charged. Anything else either links me back to the freecredit report site just hangs up on me after telling me to go to the free report site. This same thing happened last year. Then I was able to get ahold of a live person and get this resolved. Not so this year, so they are in violation of the Fair Credit Reporting Act and I wish to file a complaint.

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 06-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Naviant holds the loan. I make my payments by sending return receipt so they must sign for the payment ( in the past they lost a few ) so I know they receive them. However Naviant still calls me every day and sends emails saying my payment is late or that I 'm in default when I clearly know I 'm not. I have all the receipts and am current and up to date. However Naviant continues to harass me every day calling from multiple different numbers at various times of the day and night.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Asked XXXX XXXX XXXX XXXX to stop calling my cell phone repeatedly 5-6 times daily. After that I started getting a the same calls from XXXX XXXX XXXX XXXX now showing up as unknown caller with no number sometimes 10 times in one day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Mortgage) with The Phoenix Recovery Group (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested validation of debt several times and they have failed to respond,

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (I do not know) with Unlimited Progress Corp (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I sent a letter to CREDITORS DISCOUNT & A letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and CREDITORS DISCOUNT & A refuses to delete the fraudulent accounts from my credit report stating in a letter its verified CREDITORS DISCOUNT & A provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company XXXX sold my mortgage to Green Tree Servicing in XXXX. I was told that it would be seamless. Instead, I started receiving collection notices even though my payment was made to XXXX in XXXX from my auto-pay with my bank. Green Tree says they have not received the payment even though I have submitted the documents requested including my bank statement showing the loan amount deducted from my bank account on the scheduled day and the email from XXXX acknowledging receipt of this payment. A representative from XXXX also conference called a customer service representative named XXXX and reaffirmed my payment and the date the file was transferred to Green Tree. Also, I was originally told I could n't make my XXXX payment until the XXXX payment issue was resolved, so that payment was also outstanding. Finally on XXXX XXXX, the collection department urged me to make and accepted a payment for XXXX over the phone which is now showing as having paid my XXXX payment. Where is my money I paid in XXXX? Why is it taking so long to clear up a very easy situation. Please help me get the XXXX payment applied as it should have been by XXXX XXXX in this transition according to the information I received about the move to Green Tree Servicing.

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 05-06-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I had a Macy's/American Express card XXXX The Amex portion was compromised and I received a bill showing a late charge. I had never used the Amex portion of the card and thought it was just my Macy 's bill. When I realized it was fraudulent charges, I contacted them and they started a claim in XXXX 2014. The claim is still outstanding and I have been receiving letters from their collections division. I have called at least XXXX times, each time they tell me it is still under investigation and they received the Declaration of Fraud paper in XXXX 2014, yet the case has not been resolved. I have been told multiple times that a supervisor will call me back regarding the issue, with not XXXX return call. I closed the Amex portion of the card immediately after realizing the fraud had taken place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/17/2015 about Debt collection (I do not know) with Guglielmo and Associates (NM).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was sued. They won. I was not aware of any of this. Today I look at my bank account at it is empty, and so is my savings account. In total they took almost {$4300.00}. I now have an overdraft in both accounts. 
I am a student teacher and earning no income. I was living on this money until I finished school. I now can not afford to pay my bills. I do not know what I am going to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am a victim of the XX/XX/XXXX-XX/XX/XXXX XXXX Equifax hack, according to their online tool : https : //www.equifaxsecurity2017.com/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Consumer Loan (Vehicle lease) with World Omni Financial Corp. (FL).
Issue: Managing the loan or lease

Complaint: XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX XXXX. no. XXXX, Finance Mgr : " XXXX '' ; Sales Agent : XXXX XXXX '' leased me and my spouse XXXX XXXX XXXX XXXX a XXXX new XXXX XXXX XXXX, accepting the surrender of a XXXX XXXX XXXX in late XXXX. The later vehicle was on a 36 month earlier lease and was not due for expiration until XX/XX/XXXX. However, the Sale Agent and Finance Mgr. offered to accept the XX/XX/XXXX on that day and accept the vehicle in exchange for the leasing of the new XX/XX/XXXX model. The terms included my payment of {$1200.00} and new lease payments of {$340.00} per month going forward. We accepted their offer at which time they inspected, photographed and took full possession of our XX/XX/XXXX XXXX. There was ABSOLUTELY NO STATEMENT REGARDING ANY DEFECTS REGARDING THE PHYSICAL CONDITION OF THE SURRENDERED VEHICLE. Neither myself, my wife, nor the dealer 's agents found any physical fault with the vehicle being surrendered for lease termination. HOWEVER, 2 day ago I received a bill from SOUTHEAST TOYOTA FINANCE ( the leasing source ) totalling {$820.00}. Their notice demanded payment without delay. Since neither the dealer 's agents who inspected and accepted the vehicle XXXX months earlier as witnessed by myself and my wife observed no physical damage when surrending same, IT IS UNCONSCIONABLE FOR THE LEASING COMPANY, SOUTHEAST TOYOTA - phone no : XXXX to solicit such payment from we, the good-faith contracting consumers. Please remediate this matter on our behalf. I contacted the Sale Agent, " XXXX XXXX '' who claimed ignorance of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I ordered a luggage from Macys.com. I was charged under the macys credit card. The shipment was delivered to my apartment but no one was there to receive it so the shipment was sent back to the warehouse. I called Macys and reported the incident. The person I spoke with asked if I still want the item. I said yes. She said that we will have to file a new order transaction and that I have to pay for it again. At that point, i used my XXXX credit card for this transaction. She told me that as soon as their system confirmed the return of the first order, they will return the credit to my macys credit card. The second order went through. I was able to received the package and was able to pay the full amount in my XXXX card. Then macys credit card did not issue me a credit for the first shipment that was sent back to their warehouse. I kept calling their customer service and they promised that the credit will be posted in my account in 3-5 business days. But then I keep receiving letters from macys stating that as per their investigation, the package was confirmed delivery. First of all, they have a wrong order number. They used the tracking number of the order that was returned to their warehouse so I do n't know how they were able to verify the information. It was frustrating that they will not take the bill off my credit card even when all the information I provided them already stated that the shipment was returned to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My previous VA loan with Wells Fargo was foreclosed on. I was divorced and my wife was given the home as part of the divorce decree. She was never able to refinance. I tried to step in and save the loan even though for a house I no longer was responsible for and Wells Fargo refused to work with me per the divorce decree. As a result the house was foreclosed and my va benefits was reduced. I believe this happened as a side effect of the attention paid to new accounts versus helping existing customers. Recent news of XXXX fired wells fargo employees fueled my concerns even further that I was neglected because it was n't tied to some sales goal.

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