milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XXXX XXXX, I had money coming into my Bank of America checking account from my XXXX interest account. On the same day, my landlord cashed my rent check. Due to the order in which BofA processed these transactions on that day, my account was overdrawn, and I was charged a {$35.00} overdraft fee. I made two other transactions in my checking account that day, and was charged two additional {$35.00} overdraft fees. I believe this is unfair and would appreciate your help resolving the matter. I tried calling BofA myself, but the phone hold time was two hours.

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 07/24/2016 about Bank account or service (Checking account) with Comerica (TX).
Issue: Problems caused by my funds being low

Complaint: comerica bank charged abusive fees despite I have direct deposit with them, not only charge the XXXX overdraft but also a XXXX per day you have insufficient funds, plus charged an extra returned tem fee which dont know where it came from a total of XXXX only in fees because of three monthly charges and insufficient funds, what abusive practice of working people like me that live on day by day Budget. : - (

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (VA).
Issue: Account opening, closing, or management

Complaint: I had XXXX accounts with synchrony bank -a Lowes account, a Walmart account, and an Old Navy account. I always paid on time except one month I was XXXX and I forgot and was late with my Lowes payment. I paid it immediately once I realized the issue, after that synchrony dropped all my credit card balances ( which were paid off with a XXXX balance on all of them ) and they ran my credit score ( hard run so it shows on my credit report ) three times for each card afterwards which caused my credit score to drop!!! This should be illegal and this is the worst scam credit card bank I 've ever dealt with, I have since closed all these accounts with synchrony bank and I advise others to never get a credit card through them -they will destroy your credit score for no reason! I would rather pay cash or use my cash rewards visa than to ever have a credit card with them. Just horrible!

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 01-02-2016 about Credit reporting () with Credit Karma, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Under my personal information, it states that I worked for a laundry company. I have never worked for a laundry company. I have no idea why this would be listed on my credit report and question if any accounts were open under my account that do not belong to me. Please remove this employer.

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 09-06-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Credit determination

Complaint: To Whomsoever It May Concern, I am seeking assistance through CFPB to help resolve an issue with Chase bank regarding my credit card account with a limit of {$8000.00}. This credit card debt has been a financial burden to me and is taking a toll on my health as I 've been struggling to pay the monthly due and have not reduced the balance since granted. 
My first credit card was issued by Chase in XXXX with a limit of {$1000.00}. I was then a college student with a part-time job, making only $ XXXX/hour. One day in XX/XX/XXXX, I went to a Chase branch to pay off my balance. The teller told me that I may qualify for a new credit card with a higher limit and was referred to a personal banker. The personal banker updated my information directly through the computer entering my salary as {$90000.00} and approved me a new card with a limit of {$8000.00}. No new card application was filled out. 
Being young and ignorant, I accepted the {$8000.00} offer. I did not realize the kind of situation I was putting myself into at that time, as I had minimal experience with credit cards. 
I believe the personal banker inflated my salary so she can back up the credit increase of {$8000.00} to increase her production, though I was not technically eligible for such a high credit limit. 
I was informed by concerned persons in the banking industry that under Regulation Z - Truth-In-Lending Act, enhanced by The Credit Card Act of XX/XX/XXXX, that it is the responsibility of the credit card issuer to consider the consumer 's ability to pay when issuing a credit card or increasing credit limits. I believe the personal banker acted irresponsibly and put me in this predicament. I believe she violated Reg Z. 
I contacted Chase Credit Services during XXXX XXXX and requested to charge off the balance due to financial hardship. Their response was to settle only XXXX % of the total balance which is still not affordable considering all of my total current obligations and living expenses. 
I am seeking CFPB agency 's assistance for a resolution of my credit card balance with Chase Bank. 
Thank you in advance for your time and consideration to my request. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (WA).
Issue: Making/receiving payments, sending money

Complaint: PAYPAL does not accept my XXXX XXXX XXXX [ issued by the US treasury for my VA XXXX Pension ] I have NO problems on ANY other website PAYPAL has been non-responsive to provide a " WHY '' I hope this has nothing to with me being XXXX or a Veteran XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am getting a call from green tree everyday demanding that i pay them over the phone. They stated XXXX the representative that I have no choice to either giver her my checking account and pay XXXX dollars or continuoully get harassing calls every day up to six times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 am filing this complaint because Equifax | XXXX XXXX | XXXX have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. The accounts that I disputed have not been properly validated or verified. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to delete all information which can not be verified. Please resolve this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2015 about Debt collection (Medical) with Centralized Business Solutions Company (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am being contacted at my place of employment after I have asked not to be. I offered a payment arrangement that was suitable to me and was laughed at and told " absolutely not ''. I was told that I needed to get a co singer to get a loan or sell something or take money from my XXXX to pay them. The representative kept using my occupation against me " you 're a supervisor then you should know this is irresponsible ''. After stating that I needed to get off the phone because I was at work I was told " you have to call me back today before XXXX, I know you get a break and a lunch ''. I replied that I had to run errands on my lunch and their reply was " they 're not more important than this matter '' an I said actually I have to pay bills on my lunch so yes they are, the reply I received was " I do n't care about your other bills ''. I was also told that there was an attorney present in their office numerous times which I 'm not sure what this had to do with.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 06/24/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Other

Complaint: hi i just found that i have a judement on my home i have been working with a mortgage company on selling my home so i can move closer to work the problem is i have contacted FIA Card Services several times also my mortgage company has to we have sent all info they asked for to release the judement and know body has contacted me or the mortgage company everything shows satisfied on my credit report we was told that me or my mortgage company would be contacted in 24 to 48 hours this has been going on for a month what is sad you can not talk with the people that handles this you talk with someone that tells you what to fax to them i filed bankruptcy in 2010 and they act like they dont have to do anything

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 EQUIFAX, INC. (IL).
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 submitted on 2 different occasions all the documentation required under the FCRA for accounts and data on my Equifax file to be corrected, however I am told the documentation either has been reviewed or that it was n't received. Every time I call i get a different response so its clear that they are not doing anything at all as they are supposed to under the law. I have submitted both a FTC and police reports, as well as letters from the actual companies as proof the information presented on my file was incorrect and should be adjusted. 

I filed my FTC complaint on XXXX/XXXX/XXXX and mailed a copy to Equifax on XX/XX/XXXX and XX/XX/XXXX by certified mail with receipts showing that it was received to XXXX. XXXX XXXX XXXX, GA XXXX. 

XXXX XXXX : ( x2 ) XXXX late payments are showing even though I sent over documentation from the company showing that this was not correct and yet it still remains on my file. 

XXXX XXXX : that was previously removed due to fraud and then it reappeared out of nowhere I assume as a glitch however again I have paperwork from the XXXX XXXX executive office showing that this file was supposed have been removed. 

XXXX XXXX : this account was fraudulently opened in my name by a deceased family member and I have provided police and FTC reports to assert it was supposed to have been removed, whereas both XXXX and XXXX removed the information promptly its been over 2 months and its still not removed by Equifax. 

XXXX XXXX XXXX XXXX : a company I have never heard of or had any business with is asserting that I have an account with them and I do n't and have requested for them to verify/validate the account to which no information was provided to me within the 30 days allowed under federal law, the account needs to be immediately be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing disputes

Complaint: Without my knowledge, my Macy 's account was tied to a separate American Express account. When I paid to the account number on my Macy 's credit card, which cleared, I was unaware I was paying to a XXXX balance American Express account, and not to my " Macy 's '' balance. Over the course of many months, I tried to reconcile this online, through the Macy 's website, but every time I tried to log in during the spring, summer and fall of 2015, I was told the site was " temporarily down. '' I called the number on the account at least 2 times and was unable to speak to someone who could tell me what was going on. Finally, after receiving a check from MACYS ( aka American Express ), for overpayment, the same month I received an invoice for slightly more ( due to the large missed payment fees ), I managed to get a call through to someone who understood what was happening and could explain where to pay. 
Last month I paid the full balance, and was told by the customer service rep that there would be no further charges. Then I received a bill for XXXX , apparently for some sort of balance fee, which I do n't understand. I paid that, but somehow it was mixed up again, and did n't post ( I have the bank statement to proove it ), and then received a XXXX $ bill for not paying the XXXX XXXX 
I have recently spoken with Macy 's and been assured that I have paid the XXXX $ balance, and they also told me my account was closed ... why I do n't know. That is fine, I wanted to close it anyway, but I 'm not sure if that type of closure affects my credit score.

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 09-06-2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is ignoring my requests to investigate and remove fraudulent inquiries from my credit file that were not initiated by me.

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, XXXX Equifax admitted they had a breach more than a month prior to XXXX XXXX, XXXX. For 41 days my intellectual property ( IP ) were exposed to and was unaware of potential identity theft during that time. Equifax gathers personal private intellectual data also known as sensitive financial data on consumers payment history then sells that data to banks, insurance companies, potential employers, landlords, and government agencies in the form of consumer credit report. Better known as a credit report as a result of Equifax data breaches. The Fair Credit Reporting Act, 15 U.S.C subsection 1681 ( " FCRA '' ) is U.S. Federal Government legislation enacted to promate the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act ( " FDCPA '' ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving daily calls from this company for several years now. Often I receive several calls a day which I believe violates the FDCP. The message left stated that I had an unpaid debt and that it I had to call to discuss the matter. This company uses several hundred different numbers and the calls seem to be robocalls. I looked the numbers up online and discovered that this is a debt collector known for fraudulently attempting to collect zombie and/or non-existent debts. 

I have and have never had any debt. I do not owe anyone any money. I will not be sending this company any money. I have checked my credit reports and there is nothing about this alleged debt on any of my reports. I have put a fraud alert on all of my credit reports as a precaution. In addition, I have never received anything in the mail regarding this alleged debt, which leads me to believe that this company does not have my contact information and is phishing for the purposes of committing a fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2015 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a debt collection letter from Ad Astra Recovery Service in XX/XX/XXXX. I spoke to the representative of Ad Astra Recovery Services on the phone and asked them to verify the debt as required by law Texas Financial Code 392. 202 based on a letter that I received in the mail, the representative stated that they would. The representative stated that they hired an attorney and it would be best for me to pay the bill by the credit card invoice on the bottom of the letter. I told them again that they needed to verify the debt. I did n't receive any information from Ad Astra Recovery to verify the debt. In XX/XX/XXXX, I hired XXXX XXXX XXXX to investigate inaccuracies on my credit report. I forwarded all letters from Ad Astra Recovery Service to XXXX XXXX XXXX as instructed. The following information was requested from Ad Astra Recovery XXXX over the phone : name of original creditor, provide me with the original date of default, the date that the debt was transferred to them from the original creditor, the originate balance, the current balance, and surety bond information. Again, the representative for Ad Astra Recovery XXXX said ok that they would. I believe that I received a second letter from them which I also forwarded to XXXX XXXX XXXX as instructed. On XX/XX/XXXX, I asked XXXX XXXX of XXXX XXXX XXXX what if any inaccuracies were removed from my credit report. She pulled a copy of my credit report and indicated that Ad Astra Recovery Services, a collection agency was still on the report and this was associated with a payday loan from XXXX XXXX. I viewed XXXX entries for this collection agency on my in-house file. I asked what was being done and that I was filing a complaint with the Texas Attorney General 's Office under case # XXXX about this collection company. XXXX XXXX stated that they were still working on my file. So I said, ok. On XX/XX/XXXX, I received a congratulation letter stating that I completed the program which I questioned because their was no investigation of this collection company or any other creditors. On XX/XX/XXXX, I spoke to the XXXX XXXX XXXX receptionist and conveyed to her that I wanted the owner to provide documentation that they had requested on my behalf the documents required to verify the debt as stated by the Texas Finance Code Section 392.202 and the response given to them by Ad Astra Recovery Services. The receptionist stated that she was not sure if I could receive the documents from their investigation demanding that Ad Astra Recovery Services verify the debt before placing the entry on my credit report. To date, this collection company has not verify the debt according to the above law.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I want Equifax, Experian and XXXX XXXX to add my employer/employment information to my credit report. I want the following employer/employment added to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CO XXXX, XXXX, Position : XXXX   XXXX XXXX ( XXXX XXXX Salary : {$300000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have called Transunion credit agency and asked why is my credit score so much lower than the XXXX other agencies. I was explained to by a Transunion Rep " that they are allowed to use a different scoring system than XXXX or XXXX ''. Transunion credit score is always lower therefore causing me to pay more for items I chose to purchase. 
Why is Transunion allowed to score much lower and different? Most creditors use Transunion for credit in my dealing. I asked if I could close my file with them the Rep said no. I paid over XXXX for my credit score back in XXXX 2016. I have not receive 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 explanation
Consumer complaint received 10-01-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: We are contacting the CFPB as we have attempted for over 5 years to obtain a loan modification and have been denied over and over again. We are not asking for a lower payment and even expressed we could handle an increased payment. We only want to keep this home we purchased XX/XX/XXXX which our family loves and needs so much. The investor is XXXX XXXX so the rate can not be reduced under the streamline program due to being under 80 % LTV. We did n't qualify for XXXX because our ratio was at 29 % and needed to be over 31 %. Now, XXXX lost her XXXX position due to cut backs and we are only receiving income for XXXX. His income is {$7000.00} a month. We were just denied again because the ratio is still under 31 % which is not true. We received a letter from CitiMortgage dated XX/XX/XXXX showing our payment increased from {$1800.00} to {$2300.00} as of XX/XX/XXXX which would make out ratio 33.2 %. We explained this to the CitiMortgage representative and she stated that new payment is not what is in their system so the denial stands. I explained we faxed her the CitiMortgage letter and said it does not matter. Well, it matters to us. We need this home our rate has been 6.375 % since origination and this loan has never been modified.

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