milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXXCredit Report Confirmation # XXXX dispute is with the negative entry by Bank of America XXXX BOA XXXX. 

When making the telephone call to cancel ( close out ) my BOA credit card I told the woman I talked with that I wanted to sever all contact with BOA. She replied in the affermative that it would be done. Then said that in the event that a charge should appear I want it disregarded and no charge for insufficient funds as my account was closed. She had to talk with her supervisor about this. After this consultation she told me that it was okay. No further activity on my account would occur. I am absolutely positive about this conversation. Am not so sure about the following. 

Sometime thereafter I received a charge from BOA. Believe the charge was for insufficient funds. Believe that I called BOA and told them of the arrangement concerning my account closing. I may have received an additional bill by mail but did not receive any more invoices. 

I assumed that everything had been settled with BOA until I was turned down for a credit card with XXXX XXXX Bank. Got a credit report and found the negative entry from BOA. Before cancelling my BOA credit card I had previously cancelled ( closed XXXX my bank account. This account was closed because they made errors, one very significant. The branch manager could not believe how badly they had messed up! Now they made another error and they are making me pay ( with a bad credit file ) for another oftheir mistakes! 

How long are recordings of conversations with banks kept? My credit file indicates that the problem probably started in XX/XX/XXXX. So my initial tel conversation with BOA probably occurred a max of XXXX months prior. So the voracity of what I said should not be too difficult to confirm. 

Many thanks for your investigation of this matter. I have long been a fan of the CFPB since XXXX XXXX initiated it. XXXX further impressed with XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Problems caused by my funds being low

Complaint: CHASE BANK HAS CRAMMED XXXX INSUFFICIENT CHARGES TO MY CHECKING ACCOUNT. CHASE HAS SCAMMED MANY OTHER PEOPLE. I WROTE A LETTER AND WILL MAIL IT TO YOU THIS WEEK.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Debt collection (Credit card) with Firstsource Advantage, LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This collector is contacting my job and I am absolutely prohibited from receiving such calls at my workplace.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (MI).
Issue: Adding money

Complaint: My money has not posted yet and its been two weeks and i see transactions on my card i didnt do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2017 about Debt collection (Other debt) with The CMI Group, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX with a TX address claimed to be a debt collector for XXXX I made a payment of XXXX but XXXX never received payment. XXXX claims they have no idea who this company is. XXXX tried to get me to pay another XXXX claiming that then XXXX would be paid entire amount that I am behind on. The phone number to this company is XXXX XXXX is XXXX cable network in my area. <P/>The amount taken from my checking account was on XXXX XXXX 2017 My bank has reimbursed me, because XXXX claims XXXX is a fraud and they have no idea who they are. But, I could still lose my XXXX at the end of this. <P/>Please help shut these people down! XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was being proactive and reached out to the company, Synchrony Bank prior to my XXXX 2017 payment being due on my Care Credit account to advise them XX/XX/XXXX's payment was going to be late due to some financial issues but I assured them both XX/XX/XXXX and XX/XX/XXXX 's payment would be paid in full by XX/XX/XXXX 's due date of XX/XX/XXXX. They kept calling me several times a day after this conversation. I spoke with them again about a week later and explained the same thing. I continue to get several calls and voicemails per day. I finally got fed up with them harassing me all day on my cell phone while I am trying to work so I called them this evening on XX/XX/XXXX when I got off to set up a post dated check of {$180.00} for XX/XX/XXXX and XX/XX/XXXX payment plus the {$27.00} late charge they charged me, just as I promised I was going to do in the previous two conversations I had with them. They assured me after I post dated a payment with them out of my bank account the calls would stop. I set up that payment today when I called them back at XXXX ( per my phone log that I have included in the photos ). I received a confirmation # of XXXX. As you can see in my phone log I have attached in photos, they then proceeded to call me again 20 minutes later at XXXX. I called them back again at XXXX and advised them to stop harassing me and calling me that I just set up a post dated payment covering both payments and the late fee. I also told them that this has been the very first time we have ever been late on our account in approx 2 years and they needed to stop. In the past 2 days, they have called me 8 times and left me 3 voicemails ( see photos of phone logs ). This is harassing and excessive for the first time being late and not even being 30 days past due. This absolutely is ridiculous and needs to be addressed.

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 04/20/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Settlement process and costs

Complaint: Greetings, In XXXX, i refinanced with XXXX XXXX XXXX only once. I started with a balance of XXXX, cash-out : XXXX, bank & broker fees : XXXX Total refinanced=XXXX. 
But today, my balance= XXXX and noone can explain this except XXXX XXXX XXXX who say, " fees. '' or " bank fees. '' In XXXX, at the closing, i was denied a 3-day recission period and i was denied a copy of the new note. 
2 months pass & XXXX drop off a 4 payment option ARM, none of which i heard at the closing and the balance spiked from XXXX to XXXX, in 2 months! 
1 week before XXXX settled for XXXX with our govt., XXXX quickly sold my XXXX mortgage note to XXXX for {$160000.00} so as to avoid 'making me right ' again. 
Again, the XXXX was sold for XXXX! that i have to pay. 
Why did n't i benefit from the XXXX XXXX XXXX XXXX settlement with the govt.? 
5 months pass. XXXX sells my note to Nationstar. Now, i have a 40 year note for XXXX but remember, i started in XXXX with a refi of only XXXX.Total. 
XXXX knew i was XXXX before the closing as they used my XXXX XXXX income to meet their income guideline. I became XXXX after XXXX. 
Being XXXX explains why my closing was set at XXXX to XXXX and why i was denied a 3 day Recission period nor a copy of my new note & terms. I pleaded 5 times for a copy. Answer by XXXX and 'XXXX : " No XXXX XXXX , we have to get all XXXX pages upstairs to be notarized. '' Those XXXX agents at my XXXX closing later quit or were fired. Keep in mind, i only did XXXX refinance, not XXXX i do not have a second mortgage either. 
Fast forward to XXXX. XXXX sold my note to Nationstar. Last month, I asked their senior loan officer to explain the 'History ' of my original note of XXXX & how it became XXXX. 
Nationstar loan officer stated he could not make any sense of the 'history ' of my note but he promised to call back in 3 days. He, ( Nationstar ) never called back. So, i am burned for life. Noone will tell the truth of what really happened. My Nationstar mortgage statement has XXXX balances which total XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Student loan (Private student loan) with DISCOVER BANK (CT).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have been paying off my student loans with Discover on and off for 5 years now since I left school. I 've had to deal with some medical issues which left me with big bills and with some unemployment. I also went back to graduate school for year, but ended up leaving. I 've tried to pay as much as I can every month. They have been charging me more than 10 % interest, even at times when the federal interest rate was 0 %. I 've looked at the chart they have on their website, and most months most of my payment is going to just the interest. When I miss a payment because of financial difficulty, it all gets messed up again and then somehow I end up paying all of my money towards interest for the next few months, until another financial emergency comes up and I miss another payment, and then they do it all over again. I recently realized that, even after five years, the balance left on my loans is still the same or higher than when I first borrowed it. I feel like a slave to this loan company ; like I will be making large monthly payments of {$300.00} or more to them for the rest of my life, because they have me trapped. It does n't feel right.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (PA).
Issue: Trouble during payment process

Complaint: Mortgage servicing company has been charging PMI and it does not show on the statements or tax forms. The value of the house have increased 28 % ; yet they have refused to remove PMI premiums from

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 07/19/2017 about Debt collection (Medical debt) with SCA Collections, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: SCA Collection is reporting 4 collection accounts on my credit report that should not be there. The account numbers are XXXX, XXXX, XXXX, and XXXX. All four of these accounts are subject of a medical malpractice lawsuit, and should not be reporting on my credit file. I have asked SCA Collections, and XXXX XXXX, to remove these accounts from report. So far, they have refused to take any action.

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 08-05-2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Sale of account

Complaint: My XXXX Rewards card issued by Citi Bank was recently acquired/transferred to XXXX Bank. My final payment to Citi Bank was never credited to my account after transfer ( although I have proof that Citi Bank cashed my check ). The customer service line for my Citi Bank XXXX account automatically forwards to XXXX Bank, the new owners of my account ( who can do nothing about my situation -- it is a Citi Bank issue ). Trying to speak with anyone at Citi Bank results in hours of wasted conversation and transfers -- no one can pull up my account in their systems -- it is like my account with them never existed! Citi Bank should have returned my check instead of cashing it OR forward it to XXXX Bank for credit against my account.

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 12/17/2017 about Vehicle loan or lease (Lease) with JPMORGAN CHASE & CO. (MA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I had leased a XXXX XXXX XXXX. I had returned the automobile on XXXX XXXX, XXXX to XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX. The evidence of this is the official Registration Cancellation Receipt from the Massachusetts Registry of Motor Vehicles. Chase indicated that the vehicle was picked up by Chase on XXXX XXXX, XXXX, but XXXX XXXX has no record of this activity. I sent a letter to Chase indicating this and a check for the end of lease payment of {$300.00}. Chase claims that I still owe {$340.00} which represents the additional one month possession of the automobile. 

I did not possess the automobile during this time because it was at XXXX waiting to be picked up. I have written all of this in an email and sent it to Chase as well as a written version of this with a check XXXX {$300.00} mentioned above ), a copy of the plate return receipt, and the condition report provided by Chase. Chase claims that the Massachusetts Registry of Motor Vehicle Receipt is not sufficient proof that the XXXX was returned on XXXX XXXX, XXXX. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/19/2016 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Navient has contacted people outside of my direct network to find people in my network asking them what their relation is to me. They are also contacting my work directly, soliciting for me while it is inappropriate and will jeopardize my employment. Instead of contacting me directly, they choose to go around me, to the point where it is embarrassing and mortifying. When I finally talked to someone who called me at work, while I was at work, her attitude on the phone was, " Well, so what are you going to do about it? '' About 3 hours later, I found out that they are contacting my work still, trying to send a garnishment letter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Issue : Chapter  XXXX  filed  XXXX     2010.    According to the Fair Credit Reporting Act, a  Chapter   XXXX  bankruptcy will be removed from your credit report after  seven years.      However, the Credit bureaus ( except  XXXX   ) s till report Chapter  XXXX  on my credit report. In particular the Credit bureau that On Site uses to do background check on apartment applicants : this is adversely affecting my ability to lease an apartment ; Relocating for a job.     Please assist. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: E Payment XXXX payment was incorrectly applied, I made an additional principal paymentof XXXX however it was applied to my escrow account. Please correct my outstanding loan balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2016 about Payday loan () with Bliksum, LLC (SC).
Issue: Can't contact lender

Complaint: I received a loan from LoanMe of {$3000.00} they took out {$490.00} the first month and {$360.00} the second month ( XX/XX/2016 ). I contacted them to let them know that I would like for them to lower my payments because I am experiencing financial difficulties, they have refused to work with me. I was told that they will not accept my comprise and wants me to pay back this loan. It 's their way or no way at all. I suggested lowing the payment, I was told that was not acceptable. They have refused any payments I have suggested and tried to make because it was not the {$360.00} they wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of identity theft.

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 09/22/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: After months of disputing the XXXX XXXX XXXX Tradeline on my Equifax report - and getting this final response from them, stating there is nothing wrong with the account, its been verified, and is reporting correctly - it stays on my credit report. Copied response is below. 

" Response disputedEquifax said : Explanation of closureEquifax has reviewed the complaint and its records. Please be advised that XXXX XXXX XXXX account number ending in XXXX was disputed on XXXX XXXX, XXXX XXXX, and XXXX XXXX, 2015. XXXX XXXX XXXX has advised that your status is reporting correctly on the Equifax Credit File. Please be advised that charged off accounts that are reporting a XXXX balance are considered to be closed accounts. For any additional information regarding this account, please contact XXXX XXXX XXXX directly at ( XXXX ) XXXX. Our records conclude that a copy of your Equifax Credit File was sent on XXXX XXXX, 2015. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at ( XXXX ) XXXX. " The problem is - on XXXX XXXX, 2015 - this tradeline was deleted. It has disappeared from ALL records at Equifax ( I just called them ) and the only remnants are the XXXX disputes I filed in XXXX and XXXX of this year. 

By Law - I am entitled to a written explanation for all disputes, and this deletion has never been accounted for. 

Equifax - please explain and provide any supporting details for the following. 

1. Why was this account deleted? Please provide the method and the owner of such the decision as well. 
2. Why was notification of a deletion of this disputed account - not provided in writing? 
3. Where is the NEW credit report that reflects the change to this disputed account? 
4. All responses are requested through US mail. 
5. This account has not aged out, as per FCRA/XXXX reporting specs.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Navient reported incorrect loan amount on my credit report. I contact the about the loan and disbursement amount and I need received the amount they reported on my credit. On XXXX XXXX, 2017 Navient report Two separate loans in the amount of {$XXXX} and {$XXXX}. This is false and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: This company is reporting to all 3 of my credit bureaus and I do n't owe them money. They do n't have any signed contracts or documents from their company to prove that I owe them. I have disputed this with the company and they continue to call and harass me. My credit is being impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or D.O.B. in order for it to appear in your credit file. The credit bureau has not updated the information as per the new law true bankruptcy listed does include this information and should be deleted 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 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
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 neglectful in in checking my account. However I had requested from Discover card my statement for the past 5 years, they had obliged and I found 3 items ( approx. {$1400.00} ) I had them check into it and they said that the charges were not mine and was not authorized by me. They I had received a letter from them ( enclosed ) that the amount would be credited to my account. after a week or two I called them and they said it was to far back and told me that they have done numerous things for me that was so irrelevant. Now I told that there records do not go back that far. Need your help in getting this resolved my account after changing it is XXXX XXXX XXXX XXXX, my email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I went online to request my credit report due to adverse action. I went through the verifying screens and arrived at the place where I could access my report. A message on the screen indicated that I was not able to obtain it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My name and social security was used to open numerous credit cards and loans with various banks. XXXX and XXXX has release me from being responsible for these account. However, Barclay refuse to file as a fraudulent account because of the retracted conversation in 2014. However, XXXX XXXX is the person who contacts Barclay concerning the account in my name and two other family members. They have not sent me a copy of the application and procedure of how identity was proven to them when requested. They refuse to talk to me about the case and stated that it is closed from their end. I do n't know how they accepted and approved an application fraudulently. I was told to go online to access further information on this account. However, I can not access anything because I do n't have any information on this account- no credit cards or statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief