milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/24/2015 about Bank account or service (Checking account) with E*TRADE BANK (IL).
Issue: Using a debit or ATM card

Complaint: Dear Sir or Madam : In a late response to my earlier CFPB claim ( XXXX ), E*TRADE 's corrected their false statement of the existence of proprietary evidence to : " E*TRADE reviewed this matter further and confirmed that there were, in fact, no documents available to provide in response to your request. '' Over the phone, an E*TRADE associate admitted that while they had no direct evidence showing that these transactions were legitimate and could in fact be fraudulent, but they would still deny the claim. This is in direct violation of a Regulation E of the Electronics Funds Act. 

On top of that, the disclosure and decisioning period of my case was over 30 days from initial claim to decision. Requests for documentation relied upon E*TRADE to review my dispute were subsequently denied. 

E*Trades only defense in this whole manner is that I have " recently submitted a similar dispute ''. This is to imply that it is impossible for fraud to happen to me twice. 

In retaliation for filing the CFPB complaint and my persistence in following up with the CFPB case, E*TRADE closed my account on XXXX XXXX denying me access to a majority of my liquid assets during the long holiday weekend. This was a major inconvenience and resulted in several fees and missed payments. 

In summary, E*trade failed to provide documentation in a timely manner, has admitted in writing that there was no evidence used to deny my unauthorized transaction claim and thus violated Regulation E and in retaliation closed all my bank accounts. 

I request that that the CFPB subpoena all records related to this case including phone conversations, evidence used in decisioning, case management system notes, and emails. I would also like the CFPB to audit the E*TRADE 's Reg E processes and procedures and customers. There appears to be evidence of discrepancies between their implementation and the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (VT).
Issue: Loan modification,collection,foreclosure

Complaint: The problem is I am working with a mediator to keep my home from being foreclosed on. I became negligent on my morning when my ex husband left me. My ex took loans out against the mortgage without my signature when the loan was with XXXX XXXX. This made the mortgage payment {$2700.00}, there is no way I could pay that even with my ex still here. The new services for this loan is thru Shellpoint aka XXXX XXXX but this is the XXXX time in 3 years the servicer had changed and I have to redo all the paperwork, or the bank waits until I have to resubmit new financial documents. At this point there is so much interest and late fees from the last 3 years of stalling I do n't know if they will approve the modification to get the payment {$1400.00} or below. I really feel I am being taken for a fool and just being jerked around. The worst of it is at first I did not accept the amount of the mortgage but I cant prove it due to my ex burning everything in the file cabinet before he left. They say since I ca n't prove anything I have to accept the amount they say I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Debt collection (I do not know) with NCC Business Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received an alert on my credit profile showing a hard inquiry has hit my credit report from a business in XXXX FL NCC. I have never received anything in the mail giving me a Chance as a consumer to dispute a debt or to prove me the debt is mine. This is unfair and unethical. This is a repeated pattern with all of the reviews I have read about this company. I contacted NCC immediately and they could n't not tell me anything. This has ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: went into Citibank XXXX XXXX XXXX, XXXX fl XXXX phone XXXX,, to open an account for XXXX dollars to earn XXXX additional dollars within a 4 month period. saw personal banker XXXX XXXX and she set up account, stated I was there for promo, she also introduced me to manager. before I left her to give XXXX dollars to teller, again stated I would receive promo of the XXXX dollars within 4 months of deposit ( XXXX XXXX 2016 ), called a month ago Citibank they told me beginning XXXX XXXX, would be in account, called 8 days ago they said I was n't able to get XXXX dollars, because I did n't open account properly ( both banker and manager are lying if they say otherwise. THEY SAY I DIDNT COMPLY WITH CODE XXXX, if I did n't its the bankers fault not mine,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am a XXXX seeking XXXX. When I consolidated my loans with Navient I was NOT advised that XXXX loan taken out prior to 1998 would exclude me from XXXX. I asked if I could pay off that loan so that I can qualify for the XXXX and I was told that I am unable to do so. When I ask why I was n't informed of the issue, I am merely told, " I am sorry ma'am ''. I have inquired several times and I feel cheated and I feel like I was taken advantage of. 

The only proper solution - I would like to pay off the loan that is keeping me from qualifying for the XXXX. It is only right that I am allowed to unconsolidate, pay off the XXXX loan and be granted the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Payday loan debt) with Allied Collection Services, Inc. (Nevada) (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Attempts were made to pay off the amount owed to this company once I had to close the checking account that this payments were being withdrawn from without success over a year ago. I moved from about 1.5 years from that time, but had my mail forwarded to my new address at that time. XXXX XXXX apparently sold this account to Allied Collection Service ( ACS ) ( XXXX ) who has been calling and hanging up on me for the past few weeks. I called back on XXXX/XXXX/XXXX to see what this was in referenced to and discovered that it is the same collection account that I disputed from my credit report about a month ago without a response. The reason for the dispute was due to seeing duplicates of the same account and not having anything in writing from ACS.

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 06/24/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (IN).
Issue: Managing the loan or lease

Complaint: I took out a loan with Big Picture Loans on XXXX/XXXX/2016 in the amount of {$500.00}. I did n't fully understand the terms of the loan at the time. I 've now learned the interest on my loan is 910 %. On the original loan of {$500.00} I now owe {$3200.00} including interest ( {$2700.00} ). There is no way I can pay this. I 've already paid Big Picture {$520.00} 0n my loan. Another payment of {$170.00} is scheduled to be deducted from my checking account on XXXX/XXXX/2016 This seems illegal to charge 910 % interest. I 'm having trouble buying groceries, paying rent, and living because of this situation. I 'm in a trap I 'm never getting out of I feel.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This Company and bureaus ( XXXX XXXX & XXXX ) are reporting this account to my credit report. This is a fraudulent account this does not belong to me XXXX XXXX Date Opened:XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : {$1700.00} is reporting on my credit profile. the information that both parties refuse to send and VALIDATION and VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Contacted both XXXX as well as capital one and have not had this issue resolved yet after numerous attempts. Inquiries on my credit report that were not authorized by me nor belong to me remain on my report. Inquiry dated XXXX/XXXX/XXXX CAP ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I justified recently received a copy of my equifax credit report I noticed there are a few accounts that are not reporting my history. They are showing no historical payment information since XXXX XXXX. I would like to have my historical payment history report. Some accounts are XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX # XXXX ( macys ) On XX/XX/2016 I send a debt validation letter XXXX # XXXX alleged balance, proof of calculation and documents showing I agreed to pay this debts. I did n't get a response. On XX/XX/2016 I send a follow up letter regarding my disputed XXXX # XXXX. I still did not get a response. I do not believe this debts belong to me and I have requested them to remove this 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 04/21/2016 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Account opening, closing, or management

Complaint: Opened a BUSINESS checking account at US BANK in XXXX, NV and was NEVER advised that a BUSINESS checking account DOES NOT have an opt in/out option, its automatic overdraft protection. Went over by approximately {$85.00} and in 4 months was charged approximately {$380.00} in " fees ''. I agree I made XXXX mistakes, I did go over and they did send the statements. This is a NEW Business so I do n't have a lot of activity, so It 's an easy oversight as a NEW business XXXX. I feel like US Bank by NOT advising the BUSINESS their checking policies has caused me harm as they closed the account and turned me into 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 01/19/2018 about Debt collection (Other debt) with ERC (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: So we get this collection from XXXX XXXX XXXX on our credit report that dings our score we have done a dispute the credit reporting companies find in our favor and remove the credit from our credit just to have XXXX XXXX XXXX sell our debt ( thats not ours ) to a diffrent collection company so we dispute again and win XXXX XXXX XXXX keeps selling our debts to diffrent collection companies every time we get it removed from our credit. It has stopped.us from purchasing a motorhome. It has recently ding3d our credit from XXXX to XXXX XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Late fee

Complaint: Capital One applied my {$100.00} XXXX 2016 payment for card ending XXXX to XXXX 2016 thus appearing as though I made XXXX payments for XXXX. This resulted in no payments being applied for XXXX 2016 and a late fee. Upon further inspection I noticed another late fee on both of my cards from the beginning of the year. My employer switched from bi-monthly to bi-weekly pay. I am requesting Capital One to reapply my {$100.00} payment from XXXX to XXXX 2016 as intended. I am requesting all late fees on both cards reversed. I am requesting lower APR 's as both cards currently have excessive rates. I am also requesting paper statements as I have not received any statements and therefore been unable to review my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/30/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX BANK charged off Account Number : XXXX ... in XXXX, but the Experian is reporting this as charged off in XXXX which is incorrect. I have contacted Experian several times to correct their error, but they refuse to correct the mistake. I

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
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: There is Bank of America charge showing up on my credit as open when it was completely done with & closed many years ago. On XXXX & XXXX it has already been removed some time ago. We already tried calling & emailing XXXX regarding this matter but it has still not been removed. What can & needs to be done to resolve this? Please take immediate action in this matter. 

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 non-monetary relief
Consumer complaint received 09/25/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Transaction issue

Complaint: I applied on-line for credit from CareCredit at a XXXX store in XXXX XXXX to cover emergency care expenses for a pet last year. The basic application required name, address, phone numbers, e-mail address, social security number, date of birth, housing info, monthly income from all sources. In addition must answer " yes '' if a joint application. 
Just below that section is a choice for statement delivery : either electronic delivery or paper statement. Up to this point all are blanks to fill in. But below the main application is an Ad for CardSecurity displayed in block form with dark background which appears not to be part of the application itself and with a heading in small print " Optional Card Security Enrollment Selection '' Below the Ad, it has XXXX options each with a small circle for selection :1. Learn more about this product and 2. I do not wish to enroll. It is very easy to miss. In other words you are automatically enrolled unless you notice and select I do not wish to enroll. That happened to me. Since it was an 18 month deferred payment agreement requiring only minimum monthly payments, and Auto pay was set up, I did not discover the accumulated charges of {$260.00} until this month, 12 months later.. We were being charged {$1.00} for every {$100.00} balance. And the auto payment was being applied to the deferred balance and not against the card security charge with an interest rate of 26 %.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/27/2016 about Debt collection (I do not know) with LTD Financial Services, LP (NM).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: i XXXX l XXXX am desputing the responce machol johannes submitted to you on my complaint to you case no XXXX i recieved a letter from on XX/XX/XXXX XXXX they claim on the letter that the attorney 's on this case have reviewed and investigated MS.Trujillo 's comlaint and allegations.there are wrong, this are not allegations, this are facts, that iam asking for 3 monthes to tell me what this judgment is about, a loan, acard, acar loan, give me the proof, and we can start negotiateing or working something out and get this problem taken care of. before i loose my house, they just say you have a judgment against you and you us {$6.00} or XXXX, no body will tell me or give me proof its mine instead of all this sneeky stuff.it says here in this letter they reviewed my claims, i do n't have any claims, they reviewed my file, unless iam wrong the only thing on the file is, you have a judgment, filed filed in XX/XX/XXXX, and XXXX they reviewed the complaint eith there client, thats another thing i do n't know who the client is because i talked to advantage XXXX times yhey told me they no longer involved in the case,, then they claim they send a copy of judgment on XX/XX/XXXX, i do not know any thing about that.then it says the return of service is not currently available. something wrong there/and then something about the consumer was sub served.XXXX accepted service XXXX XX/XX/XXXX, i do n't know where they got XXXX from, and thenthe sommons and complaint were mailed on XX/XX/XXXX. the first yime i heard about this judgment was about XX/XX/XXXX, and what i know i about this is nothing,? the next it says that i filed a motion to set aside judgment, they used that excuse to have another hearing on XX/XX/XXXX. then it states we invite ms.tocontact us but when to talk they did n't have all the info. E.T XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I believe LVNV purchased my credit card debt from XXXX back sometime ago. But, they will not provide evidence that the actually purchased the debtor such as purchase agreement and contracts evidencing that they purchased my debt from XXXX. In XXXX2015 LVNV attempted to garnish my bank account. My bank notified me and out of scarcity I contacted LVNV and agreed to pay them. But, I asked them to provide evidence that they now have my debt they have failed to do so. I have been paying them for the last two years and I do not want any mix up regarding this debt years later and XXXX come back requesting that I pay them when LVNV is attempting to collect on this debt. I need verification that they actually own my debt such as contract agreement and letters transferring from XXXX to LVNV. I am aware that there is a law in Texas that prohibit a debt collector from garnishing bank accounts. Please provide documentation that XXXX is no longer the debt holder of this loan. I have received threatening letters and bank garnishments from LVNV with no proof that they have my debt. I would appreciate any help you can give me

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint: A. XXXX XXXX, 2017 B : TO EQUIFAX XXXX XXXX XXXX XXXX XXXX 
1. XXXX XXXX BELIEVES EQUIFAXS INCOMPETENCE AND NEGLIGENCE CAUSED HACKERS TO GET HIS INFORMATION. 
2. CONFIRM YOU LOST CONTROL OVER MY INFORMATION TO HACKERS. WHEN AND WHERE BY WHOM? 
3. YOU COLLECT INFORMATION OVER WHICH I HAVE NO CONTROL BUT ARE NOT REGULATED. YOU HARM WITHOUT ACCOUNTABILITY. 
4. LIST LAW FIRMS WITH CLASS ACTIONS AGAINST EQUIFAX FOR THEIR INCOMPETENT BREACH OF DATA HARMING 5. WHAT MONEY ARE YOU PREPARED TO COMPENSATE ME WITH FOR MY PROBLEMS? 
6. SEND ME FREE CREDIT REPORT AND CREDIT SCORE NOW. 
7. ATTACHED IS ID. 
XXXX XXXX LIVES AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX BUT ALSO GETS MAIL AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-08-2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (MD).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I called the company several times and spoke to several people explaining to them that I had lost my job and I gave him the dates that I would Pay on the loan they refused to talk to me unless I gave them my banking information immediately I explain that I would call back my banking information because I was driving and that they already had it on file. I was transferred to a very belligerent manager who would not work with me and threatened to repossess the car and said let 's see what happens. 

The vehicle was repossessed to days later and by that time my payment was already set up with them prior to the repossession. 

The vehicle has been repossessed and auctioned off and it is still reporting monthly and negatively on my credit. They 're extremely unprofessional and without doing is against the law!

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 11/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Mary Jane M. Elliott, P.C. Attorneys At Law (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I made contact with XXXX XXXX XXXX who is operating as the " attorney '' for XXXX XXXX ( A subsidiary of XXXX XXXX XXXX ). I tried to discuss the recent consent order that was issued by the CFPB to let them know that the default judgment that they obtained and the payments that I am currently making are a part of the order. I know that they have time to address the Consumers but I was just trying to get a copy of my payment history so that I can close on a mortgage. They were not willing to cooperate with me, said that I have defaulted on the payment agreement, and were rude for no reason. I could not get the legal staff on the phone. What are my options as far as the Consent Order goes?

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