milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-06-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, 2016 I recieved a notification from Bank of America that my checking account balance had dropped to {$25.00}. The following day ( XXXX XXXX ) I found that my bank charged me a {$12.00} overdraft protection fee whereupon they transferred roughly {$34.00} from my savings account over to my checking account, and tacked on a {$12.00} fee for this action. My checking account did not drop to a balance of {$0.00}, nor did Bank of America notify me of any additional charges that would cause my account to drop further below {$25.00}. Today, I contacted my bank and reqeusted that they refund the {$12.00} fee as my checking account did not drop to {$0.00} and did not require a transfer. The {$25.00} balance in my account was sufficient. I was informed by XXXX XXXX XXXX, Bank of America representative, that she was unable to refund the {$12.00} overdraft fee. I asked her to transfer me to a manager and I waited on the line and no manager was found. After spending a duration of XXXX minutes to resolve this issue without any resolution, I reqeusted that a manager from Bank of America call me back. No one from Bank of America has called me back and I have not recieved a resolution. I would like the {$12.00} fee that Bank of America charged me to be returned to my account. 

Thank you

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 04/29/2016 about Mortgage (VA mortgage) with PLANET HOME LENDING, LLC (CA).
Issue: Settlement process and costs

Complaint: I was given my parents home in a trust and was deeded to the trust. It is a VA loan. The company Planet Home Lending was notified of this change in 2013. I continues all payments and they accepted the insurance all years. Now they have requested the insurance state the ESTATE of. There is no Estate it is a trust. They gave me the option of getting this stated or I would need to assume the loan. I in good faith have made all payments, insured and made this my home.

Company response to consumer: Closed
Consumer complaint received 06/13/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (DE).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX, I purchased a home with my husband. In XX/XX/XXXX, I moved out and never went back. In XX/XX/XXXX, upon our divorce, he kept the house & continued living there all these years. He refused to refinance the loan to remove my name, despite my many attempts to convince him. In XXXX XXXX, he stopped paying the mortgage, and I was informed by Chase a few months after that. For 3 years, I have been in contact with Chase, I have done everything I possibly could to fix the situation, but my ex-husband refused to cooperate in any way. I 've had many conversations with Chase regarding the loan, and have asked for their advise about what my options were. No one ever gave me any suggestions, other than the options I had already explored. Without my ex-husbands cooperation, I was basically stuck. Finally, after 3 years, they finally moved forward with the sheriff 's sale XXXX XXXX, & the property reverted back to the bank. After all that time, this has had a severely negative effeft on my credit, and I was powerless to fix the problem. When the account was finally closed, I wrote a letter to Chase ( copy uploaded ) requesting them to please remove this from my credit, and they refused ( copy uploaded ). The negative impact this has had is now effecting my daughters opportunity to attend college. Today, XX/XX/XXXX, I received a certified letter from Chase ( copy uploaded ) that states that they have secured " my '' property to prevent damages, and they will maintain the property. It also states that any they would assess any costs to " my loan ''. When I called Chase to ask about this letter, I was told to disregard the letter. My concern is that I do n't own this property anymore, so how can they continue charging me for maintanence fees. And disregarding the letter, could come back to bite me later on, when they send me a bill. Which I will not pay, but they can then put on my credit as yet another derogatory account. My credit has been destroyed so much so, that I cant help my daughter get student loans to go to college. Chase is unwiling to acknowledge the fact that I had no legal recourse on my own, without the cooperation of the other party on the loan, and now they are threatening me with additional costs for a property I no longer own. Considering how much your credit score can effect your every day life, and how hard it is for consumers to fix mistakes & misinformation, I would think that companies, especially ones like Chase, would be a little more responsible with their actions. I find it offensive that companies can randomly say they are owed payments, send you to collections, and ruin your credit with the flick of a pen, and we the consumer, have to pay a credit reporting agency to get an actual score. I think the rules are stacked against the consumer, when it should be the other way around.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (I do not know) with Northeast Recovery Solutions, LLC (PA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: This company is calling me and my family members- most recent message : XXXX XXXX this is XXXX ... contacting you with the offices of NRS. I am calling in regards to a complaint pending against your name and social security number from XXXX County and I do just need to speak with either yourself or your legal counsel prior to any further proceedings. The phone number that I do need an immediate response back to was XXXX and then the extension that is directly in my office is XXXX. Now XXXX this is a very time sensitive matter so it is imperative that I do get a response upon receipt of this message. 

Caller ID was XXXX

Company response to consumer: Untimely response
Consumer complaint received 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MN).
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 have contacted XXXX 's XXXX several times regarding my fraud claim. For account XXXX. 
After I reported the charges they issued a new account number which is above. 
They said after called to check the status of the claim that it was denied because I had not return the form back. I submitted the fraud claim to them twice. 

Now there is fraud charges of XXXX in the account which I also reported late payments on the credit reports which adversely affecting my credit.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX collection company is still reporting my account as open to all three credit bureaus when in fact it is CLOSED ( per their answer to previous complaint filed with cfpb ) and should be deleted from credit reports per Chapter XXXX bankruptcy. Despite numerous requests, the account status remains incorrectly reported as open on my credit reports with XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WORLD ACCEPTANCE CORPORATION (TX).
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 did a sloppy job investigating. They did not even investigate my claim. This inquiry has been deleted off my credit report from the other two credit bureaus due to inaccurate information. This third-party agency has failed to provide information. All they will provide is one letter is not even in telling that I was late or providing any any information about my account they will not provide me any verification or validation of account so at this point then everything should have been deleted from my credit report XXXX has failed to remove this information for my credit report I 'm asking this to be investigated thoroughly. I have requested a previous investigation with y'all with this company and also with original company World Finance World Finance will not respond back to my request or will not provide me any information regarding this account  also. So they 're not able to validate or verify the account so it must be taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (I do not know) with ERC (NY).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Enhanced recovery systems called my job XXXX weeks ago, they were notified that personal phone calls are not permitted by our company, a week later, XXXX more calls at work from the same company happened after they were told to not call me at work

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2017 about Payday loan, title loan, or personal loan (Payday loan) with Rosebud Economic Development Corporation (PA).
Issue: Struggling to pay your loan

Complaint: In XXXX I took out a {$500.00} loan out of desperation in XXXX XXXX. I did understand the interest was higher than usual but was told that payments would take money off the principal and it was able to be paid SHORT TERM INSTALLMENT. In fact because of the structure it is n't set up to let you get anywhere - I also did not know that these types of loans are illegal in PA and that the state is going after these companies for trying to evade state and federal laws for the exorbitant interest charged. despite making biweekly payments of over {$140.00} I found that in XXXX I now owed {$670.00}! They called my employer looking for me even. I tried to have a negotiator talk to them but have not been able to get anywhere with them.

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 06/19/2017 about Debt collection (I do not know) with P&B Capital Group, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: sent a letter asking for validation of debt never got anything just a bill

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 04-12-2018 about Debt collection (Mortgage debt) with I.Q. DATA INTERNATIONAL, INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received notice from I.Q. Data International pertaining to a debt that is inaccurate and charging interest, not agreed upon. Per 808. Unfair practices of the Fair Debt Collections Practice Act, under section 1 it is against the code for, the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with CITIBANK, N.A. (OR).
Issue: Confusing or misleading advertising or marketing

Complaint: XXXX XX/XX/XXXX is the last reported on this account on my credit report. 

This is misleading the account was closed years ago PAID IN FULL. 

XX/XX/XXXX I was informed my account was closed and no longer available. There had been no activity on my account for several years they closed it. 

Why is it still being reported on my credit report after years. I don't owe them 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 01/17/2017 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Problems when you are unable to pay

Complaint: I have done business with Tower Loan in XXXX, La ( XXXX ) before, last year in fact. However, when I had issues making payments they never gave me a hard time and worked with me. I was never more than a week or two late and thankfully I ended up paying them off early. In XXXX of 2016, I took out another loan and this month following the holidays and an issue that I was settling financially I ended up being 30 days late. When the branch manager called for my payment I told her I was n't able to pay at the moment, that I could make both last month and this month 's payment in two weeks and my account would be caught up. She rudely told me that would not work and they would start a suit and she would come to my home to collect my collateral. I 've never in my life been threatened for a payment of any kind .... can they just show up at my home and file suit after being late 1 payment? My contract mentions arbitration after 'good faith ' can not be met or what not, surely that 's not referring to being being behind 1 payment in two loans you 've had with a 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 10-01-2017 about Vehicle loan or lease (Loan) with CONSUMER PORTFOLIO SERVICES, INC. (VA).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: On XX/XX/XXXX I bought a used car from XXXX XXXX in XXXX, Virginia through Consumer Portfolio Service, Inc ( CPS ) .. The loan was approved through the dealer on this date and I took delivery of this vehicle, XXXX XXXX XXXX. 

On XX/XX/XXXX I received a voice mail from CPS stating they needed information about XXXX direct deposit on banking statement. I called CPS on XX/XX/XXXX at XXXX the guy who answered stated his name was XXXX, I called later and his voice mail said, XXXX XXXX ( not sure of spelling ). XXXX XXXX asked how much did make from XXXX and how often did I work for them. I told him my loan was based on my retirement not on XXXX. I asked him why he needed this information and I did not understand. XXXX XXXX asked if he put me on hold to ask a question. He came back a minute later and stated, " I do not need this information, everything is fine ''. 

Later this day I received a call from XXXX XXXX from XXXX XXXX, Financial Manager, whom stated CPS called and said the financing for the vehicle fell through because I refused to give CPS  information concerning XXXX. This was not true since XXXX XXXX stated he did not need this information. 

The last time I XXXX for XXXX was XX/XX/XXXX. In the two ( 2 ) weeks since I bought this car on XX/XX/XXXX, I have not XXXX for XXXX. 

CPS lied and slandered my name when they reported to XXXX XXXX that I refused to give them information about XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Prepaid card (General purpose card) with Young America Holdings, LLC (IL).
Issue: Fraud or scam

Complaint: I have a reward/prepaid card from Toshiba that was issued to me after purchasing a laptop. The card expired XXXX and was not used. It had a full {$50.00} rebate on it. I called the number on the card, XXXX and was informed that they are unable to issue another card and no further assistance was available. I did reach out to XXXX Bank, the issuer but they could not help me either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-10-2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Insurance and Banking agencies use Experian-generated questions to confirm identity. These questions are incorrect and they 've caused me to be locked out of my car insurance account ( a company I 've been with for 30 years ). I 've now spent XXXX5 hours trying to resolve this but : 1. Experian has a phone tag system that leads to nowhere. 
2. I 've tried to get my Credit Report to see if there 's an actual issue, but I 'm unable to. The " system '' informs me to call ExperianXXXX XXXX etc, but ... see XXXX above. 
These companies have far to much power and operate in such a haphazard way. My insurance company said they are receiving MANY calls from customers facing the same dilemma I am.

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 11-06-2016 about Debt collection (Auto) with CCS Financial Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My debt is with XXXX, before canceling my policy because i bought a new car i called geico and informed them if i transfer over my current plant to the new vehicle till the contract termination ( one month after ) will i be charged more than my normal rate, representative clearly stated you will not unless you continue to be with us for a new policy for my new car, sweet ... but now collections is harrassing me for roughly {$630.00} which would have been my new payment if i styed with geico. I do not understand this one bit it is not right to ruin peoples lives like this for their own mistake i would have cancelled before buying my new car if they had told me i will be charged a new premium for the one month i had left oh and that month was pid for 4 days before my new purchase.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PNC Bank N.A. (MA).
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: To Whom It MaXXXX Concern : This letter is to dispute the late payments reported to the credit bureaus for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My account for 10+ years has been on ACH with PNC where payments have been drawn directly from my bank account via the National City and  now PNC XXXX. For some reason in XXXX when my interest rate was raised, the ACH payments did not change and continued to draw on the PNC website with the old amounts. In XXXX while talking to a representative, I paid over the phone the outstanding balance, asked to escalate the late fees, as well as filled out a new ACH form as recommended by the representative, so as to avoid this situation moving forward. The payments continued to be drawn by ACH for an amount different then the amount due, and the late fees were never addressed. I called almost monthly after the new year speaking with many representatives, over and over trying to solve my problem to make sure the correct payments were being made. I filled out several more forms, as well as went online and changed around the ACH schedule there as well. 
Finally, XXXX in escalation department was nice enough to credit back some of the late fees recently, as she saw in the history all my efforts and my submitting of the form over and over in attempts to fix this issue. Finally in the last few of days, a representative and walked me through the ACH online process yet again, stating that the form wasnt going into effect because the online ACH was overriding it. He understood my frustration and recommended I send this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX  XX/XX/2018 EXPERIAN INFORMATION SOLUTIONS RE : Requesting a Method of Verification Letter RE : XXXX XXXX XXXX  XXXX   Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, with my address and social security number, dont know how you did it, but, its not correct because XXXX XXXX XXXX DOES NOT have that account number attached to THIS ADDRESS! And you are electing to leave it on my report.

I am absolutely certain that the items I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this deliberate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record.

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.

Very Respectfully, XXXX 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 10/28/2016 about Payday loan () with Direct Recovery Services, LLC (MO).
Issue: Can't contact lender

Complaint: HARASSING PHONE CALLS ON MY CELL NUMBER, THREATHEN TO SUE AND JAIL TIME IF DEBT IS NOT PAID, PERSON STATES THIS IS FOR A LOAN IN 2013, I FILED BANKRUPTCY IN 2013 AND ALL MY DEBT WAS LISTED, CALLING FROM PHONE NUMBER IN MINNESOTA. person kept YELLING AT MY REGARDING THIS DEBT she was RUDE AND WOULD not LISTEN, she TOLD ME I NEEDED TO PAY THIS DEBT BY XXXX TODAY OR ss NUMBER NAME WOULD BE LISTED WITH FBI FOR INVESTIGATION.

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