milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-04-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Making/receiving payments, sending money

Complaint: Bank Of America. 
There was fraudulent activity on my business checking account, via card number. 
I submited a claim, and after speaking with their customer service, they could not do anything immediately and wanted to sent me paperwork to dispute the charges, within XXXX business days. Unacceptable. I was forced to request a manager who could - in fact - reverse the charges that were processing, and he reassured me that when the charges actually post to the account - there would be AUTOMATIC adjustments applied to take care of the balance. I would not be negative again. 
The next day, the {$850.00} charge posted, and of course, there was no adjustment, PLUS an overdraft fee for this charge. 
I called Bank of America again ( on the XXXX of XXXX - ironically ) and their business checking and claims department were closed, and literally no one - not XXXX person I tried to contact within my XXXX hour phone call ( plus the hours I spent the day prior disputing charges and going to my local branch to get my replacement temp card ) - NO ONE could tell me anything regarding my account, because they did not have access. They could not tell me the person 's name whom I spoke with the day prior, they could not even tell me my balance, let alone what was happening with my account, because they had zero access!!! On the XXXX, Bank of America could not help me. 
This is the second time in XXXX weeks my card information had been compromised. 
I do not allow other persons to use my card, and I am very concerned about the security policies here at this bank, plus - the customer service for its business banking customers. Being overdrawn almost {$900.00} and not being able to speak to anyone about it is extremely disconcerting, and I will be pulling my money from this bank and closing my accounts immediately. I am outraged at the service I received. 
The banking associate at my local branch issued me a temp card - which began with the same XXXX digits as my last replacement - and had the same expiration year. Why would a bank issue cards with matching numbers? Is n't this making it easier for fraud? 
Why was I asked to fill out paperwork regarding charges that were clearly not mine? 
Why was I alerted by my bank about the charges - but charges were made thereafter? 
Why could I not speak to anyone regarding my account, on a holiday? So what? There are n't XXXX people in the world that are working today on behalf of their business consumers? 
As a new business, a situation like this could be crippling. I have thousands of dollars that I need to deposit to continue functioning as a business - but I can not trust my bank and I am forced to switch banks, which will not be an easy change, I can only assume.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I was notified by BARCLAYS BANK DELAWARE of late payment. I told them I have not order any movie or such service. I was told they will investigate and credit my account. But every time I run my credit it show up. I called several times to have it credited and removed from my record. I was told the quickest way will be to cancel my card which I did but up till now it's still showing and affecting my credit. I have be communicating with them for 3 years now about this and they keep telling me it will be taking off but they don't do anything. Please help

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 12-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: On XXXX/XXXX/15 I reached out to a Navient Ombudsman, XXXX XXXX, asking for my loans variable index, margin, and rate cap. I received the attached response, in a secured document, ( the pw is XXXX ) Navient is intentionally not disclosing the margin or rate cap so that I can not make a fully informed decision on loan refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: I was charged an overdraft fee ( {$35.00} ) on my Bank of America checking account when my account balance was not in the negative and I had enough money to cover the transaction. The bank refuses to refund the overdraft fee, telling me that over 6 months ago I " already had XXXX overdraft fee refunded. '' So somehow, I 'm being penalized because the bank made a similar mistake twice!

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 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: Now that XXXX has let my personal info out, I went to freeze my credit with the credit bureaus. Experian and XXXX are chaging me {$11.00} and {$10.00}, respectively. This is outrageous! And I will need to pay this every time I want one of their customers to use their credit file to decision me. XXXX even has a waiting period for the unlock to occur! This is unacceptable. I am not going to pay $ 10+ to apply for credit. 
This should be a free service that is paid for by the credit bureaus as a collective. They should be required to develop an app for phones so consumers can quickly and easily unlock credit files or individual companies or all three.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Credit card) with Financial Credit Service, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have recieved multiple calls from ARA Incorporated out of Illinois. They call from XXXX. She reads off my entire social security number then tells me I owe XXXX or Household {$2700.00} from an account that was opened in XXXX and I stopped paying in XXXX. I told her it is not on my credit report and I do not owe that money. She said they have mailed me letters 3 times but I never received them. I asked to to read me my address but she would not and I did not give it to her. Then she asks for my email but I did not give it to her. She then said I owe the debt and since it is passed the Time Barred that she will take me to court and get a judgement on my credit. I do not owe this debt. And if I did from so long ago my ex wife filed bankruptcy Chapter XXXX in XXXX to start fresh. They even told me that under FTC laws they bought the debt legally and can call me anytime to try to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Problems caused by my funds being low

Complaint: I never signed up for overdraft protection for my Capital One 360 checking account. Capital One credit card initiated a payment on XXXX XXXX that I had scheduled for XXXX XXXX. I called the credit card division and tried to get them to stop payment, as all financial institutions in 2016 do they claimed they could n't stop this purely electronic transaction even though the banks were n't open yet and no transaction could have occurred and it was going to a bank they owned. 

I knew I did n't have overdraft protection with my Capital One 360 so it should just decline the transaction since there would be insufficient funds. But I do n't trust banks and wanted to double check. It was true that I was n't enrolled in your standard overdraft protection, but to my surprise I was enrolled in something called an 'overdraft line of credit ' with an 11.50 % interest rate. I never signed up for this nor was ever even given any information about it or any notice that this was an active part of my account. Fortunately I was able to turn that off before the banks opened today but I have a feeling this violates the requirement for the bank to get me to authorize overdraft protection. Either that or the bank is having fun with the language of the consumer protection laws and sees this as a way to auto-enroll members into overdraft protection by calling it something else, and likely making more money off of the 11.50 % interest than they ever would have through traditional overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Southwest Collection Systems, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, filed a collection notice with XXXX credit reporting agency in XXXX XXXX without any communication nor validation of the debt. The debt was originally satisfied in XXXX with XXXX through the return of equipment - which was validated by XXXX when they attempted to have me switch back to their service in XXXX XXXX. Southwest has not called nor provided any information regarding the alleged debt and can not be reached by the numbers provided to XXXX. A review of consumer complaints shows a pattern of aggressive tactics by this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 08-04-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX 2017 two certified letters were sent to Portfolio Recovery Associates, which are listed belowadvising you that these two debts were in dispute and I was asking that you please validate the debt. In the letter, I outlined very specifically, what was required to validate this debt. With the primary emphases of a copy of the legal binding contract with my signature on it that says I owe the amounts you are requesting. Unfortunately, you have provided me with no such validation that proves that I owe these two debts or the amounts. At this time, I must ask that Portfolio Recovery Associates provide me with a copy of the original legal contract barring my signature that shows that shows I owe these debts. Portfolio Recovery Associates US Certified Mail XXXX XXXX 2017 ( XXXX XXXX XXXX XXXX XXXX ) Portfolio Recovery Associates US Certified Mail XXXX XXXX 2017 ( XXXX XXXX XXXX XXXX XXXX ) In addition, I have just pulled my latest credit report and have noticed that even though I have disputed these debts. You have moved forward with continued collection activity by placing disputed invalidated derogatory information on all of my three-credit reports. With the direct intent to harm my credit and prevent me from enjoying all the benefits of good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I disputed my birth date as incorrect with a copy drivers license and ssn card. This issue has not been resolved and more debt has been added to my account with the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery called about " a '' XXXX XXXX, about a XXXX XXXX account with the last XXXX digits of the social of XXXX. Never had an account w/o a middle initial, never had a XXXX XXXX account, incorrect last XXXX digits of the social

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account for XXXX XXXX XXXX, opened XXXX and closed on XXXX. Account shows chargeoff of XXXX. That is incorrect. Account was never late nor charged off. Account was closed in satisfactory staus paid as agreed with XXXX balance. XXXX XXXX  refuses to remove or correct.

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 09/21/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My daughter has XXXX private loans, initially thru XXXX XXXX, and now those loans are being serviced by Navient. Since the loans became due ( XXXX ), monthly payments have been made. When the loans were serviced thru XXXX XXXX, a lower interest rate was negotiated, which helped lower the monthly payments for one year. Since Navient took over servicing, they will not work with us to lower the interest rates ( 6 % and 8.125 % ). Since XXXX XXXX, Navient has also applied the total monthly payment to interest. When I contacted customer service, I was told this was to pay capitalized interest. To date, they have applied {$3500.00} to interest. The amount of the loan never gets lower. When I go back thru the history of the loan, 'capitalized interest ' has always been a line item in the detail, but there is no line item for the amount they claim is interest. The payment for the second private loan is always applied to both principal & interest. Navient customer service is absolutely NO HELP in resolving this issue. And, I do n't know who to contact for assistance. I am repaying these loans in good faith, and I want the correct portion of the {$3500.00} that 's been applied ONLY to interest, to be applied to the PRINCIPAL of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have 2 accounts with them and they closed both accounts without notifing me and has report me 30 days late about 4 or 5 times. I have tried to contact them but get no response. I have paid on time. I tried to setup auto payments but they will not accept 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 07/30/2017 about Debt collection (Other debt) with Systematic National Collection, Inc. (UT).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Systematic National is not licensed to collect in my state of Utah. This is reporting on my credit and they are trying to collect this debt from me in Utah ... Even though they have not sent me validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (I do not know) with CCS Financial Services, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX, 2016 Amount = XXXX This is a account that I have no knowledge of and would never pay a collection agency money. I would go to the original creditor if this account was mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (I do not know) with Receivable Asset Management (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: not sure what this company Kramer and Associates is trying to collect from me but they are calling my employment and family and friends.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX  is showing 1 past due payment amount for XXXX of 2018. Payment was not late from me but was posted late from mortgage 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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I am a Texas resident. My identity was stolen in the XXXX breach. As a Texas resident who has had his identity stolen I am entitled to a free credit freeze. 

Transunion will not honor this and only offers me the option to freeze my credit report if I pay {$10.00}. 

Transunion is trying to profit of US citizen 's pain from the XXXX breach. 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 12/22/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have sent several letter to all three reporting agencies asking them to show proof of my signature or that the account is mine and they have not shown proof. never late. delete

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 08/27/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I never uses the name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (NM).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In  XXXX   2012, I w ent to   XXXX   XXXX    XXXX  on  XXXX   XXXX   XXXX   XXXX   XXXX , NM  XXXX  for   XXXX   XXXX   appointments. I agreed to a total of  XXXX  appointments for a total of {$3800.00}. After the first appointment, I found that the service was unacceptable and never took advantage of the remainder services. I was advised that the service would be removed or it could be transferred to other services. As I did n't transfer the services, I assumed it would be removed. Now I am applying for a mortgage only to find that now only was n't it removed but it was referred to collections without having any notification. I want the amount refunded, the account removed from collections and the negative reporting removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Other debt) with Ability Recovery Services, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I found a collection company on my credit report called XXXX XXXX XXXX. I called them and they said that the City of XXXX said I owed them for an account that was my mother 's. She XXXX XXXX  XXXX of 2016. This was not my debt it was hers. They told me to call the City of XXXX. The City of XXXX said they were charging me because I was her power of attorney. Power of attorney ends at XXXX. I explained that and they said that they knew that, but someone had to pay the debt. I was not responsible for her debts and could not pay them after she died. They said they refused to remove it, even though they knew my power of attorney ended at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am getting REPEATED calls for debts I do not owe that my ex-husband owes. Every time his debts get sold, the calls start again. 

Today I received call from Portfolio Recovery Associates. I asked them to remove my name ... .My ex has never used this number, I am remarried and now have a different name. I am sick of being dragged into his nonsense. 

At the same time they were calling me they called my MINOR son. My son is XXXX years old. They have no business calling a child and dumping his father 's mess on him. I had them remove the number and told them if either one of us receives another call, I will sue them. 

My son is a child, he has been through enough because of his XXXX father.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is currently reporting a balance of XXXX on my credit reports. I received XXXX different notice of collection from XXXX different agencies. XXXX sold the account so they need to report a {$0.00} and also tell me who the debt ACTUALLY belongs too. I have attached documentation from each CA and my report still has the balance. They are reporting inaccurate information.. False or misleading representation of debt amount is illegal as well as unfair. If this is not resolved then I risk having XXXX different companies reporting the SAME debt ... the XXXX companies are : XXXX, XXXX XXXX and XXXX XXXX ... These practices are not fair.

Company response to consumer: Closed with explanation