milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ProCollect, Inc (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: Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. I have tried several times contacting the collection agency showing on my credit report " Pro Collect & XXXX XXXX XXXX '' for debt validation. I have also contacting the credit bureaus several times for debt validation. Neither has shown proof of debt validation. 

According to FDCPA the law states : " If the collection agency failed to validate the debt and has sent a notice of the debt to a consumer reporting agency, the notice of the debt must be removed. If not, send a notice of the failure of the validation to each consumer reporting agency that lists the debt. Unless the credit reporting agency can validate the debt, it should be removed from your credit report. If the collection agency sends you proof they have the right to collect the debt, the debt is yours, and the amount is accurate, then the debt is validated. '' It has been well over 30 days for the collection agencies and the credit bureaus for showing proof of debt validation. Therefore I am asking that Pro Collect Inc & XXXX XXXX XXXX to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Payday loan () with Westlake Services, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a short-term payday loan for XXXX. I committed myself to paying the loan off in a month or two. I called Wilshire Consumer Credit to find out what amount I owed in order to pay-off the loan in full. The representative told me, " based on your recent payments, you only owe XXXX. '' I sent the company a payment for the full amount thinking that I had satisfied my debt. Several months went by and Wilshire continued to send me monthly statements. On these statements where the section " amount due '' appeared, the amount was XXXX. After three months of getting the same statements, I received a statement that said I owed XXXX. Irate, I called the company to get answers. the customer service representative said that I was given the wrong amount to settle the debt. I was given the wrong amount by XXXX! I learned that over the few months I thought my account was paid in full, they were charging me a monthly interest rate of 170.99 %. Now they say I owe XXXX! But the bill says I only owe the XXXX. I refused to pay anything outside of this amount. Wilshire Consumer Credit said they would settle for XXXX. I find this treatment and billing unacceptable. It is so disrespectful to consumers like me that I am reviewing my account with a lawyer to fight this company in court. Predatory lending at its WORST!

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The creditor did not verify this debt per FCRA rules within 30 days after receiving notice. 
I asked for verification and their balance reported to the bureau differs from what they claimed I owe. Without validation of the debt as per FCRA, they went on to report despite numerous letters to them. I have attached all relevant documentation.

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 10/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: My credit card company arbitrarily duplicated many of the monthly payments I made on my account but has failed to reflect any of the extra payments that were made on my account and continue to not show these credits to my account for all of these extra payments. It is nearly 2 years worth of extra payments and almost every month. A total of over {$6000.00} dollars of payments they continue to fail to reflect on my account. I have documentation of all payments taken from my bank account and I even have copies of all payments using the credit card companys online history. Even with al of this, they still have failed to issue the credits for all of the payments that were made and reflect them on my credit card 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 explanation
Consumer complaint received 05/19/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent letters requesting company to validate not verify this account and i have recieved no response.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: Dear Bank Of America I am requested assistance regarding HELOC from XXXX. 
I have been trying to resolve matter for some time now. 
I faxed a request for copies of all withdraws ( checks/wire/other ) and payments ( checks/wire/other ) and or reference to confirm whom completed or received funds. 
to my knowledge I have not received a response Would you also confirm whom is the borrower. 
See transaction history a withdrawals up to XXXX on XXXX/XXXX/XXXX that was not authorized as well as XXXX XXXX/XXXX/XXXX - see all withdrawals It appears I was deceived, mislead regarding HELOC and did not understand and no one will answer questions for clarity. 
I did not agree to HELOC someone/entity withdrawing funds from account without my knowledge or approval.

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 08/19/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (NY).
Issue: Trouble during payment process

Complaint: I have a home equity account with Citibank. The primary mortgage holder requires that I maintain home owners insurance on the property which I have done since the mortgage account was opened in XXXX of XXXX. My current insurance coverage has been with the XXXX XXXX since XXXX XXXX, XXXX. XXXX XXXX XXXX. Before that XXXX provided coverage. This insurance protects the interests of all parties : the owner, the primary mortgage holder and Citibank, the secondary mortgage holder. Despite this fact, Citibank opened, maintains and charges me for an additional homeowners policy. Recently, I notified Citibank AGAIN that I have my own homeowner policy. I forwarded them a copy of the policy with XXXX. In letters dated XXXX XXXX and XXXX XXXX, XXXX, Citibank XXXX XXXX ACKNOWLEDGED my coverage with XXXX. However, as of today, XXXX XXXX, they have made no adjustments, issued no refunds and continue to charge me for their insurance. Further, in XXXX, Citibank paid out $ XXXX to settle a case for this very same time of behavior known as " force-placed insurance ''. But Citibank continues the practice.

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 12-06-2017 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: The Honda Financial Services has given me a loan on a very high interest 5.50 %, I have a excellent credit of XXXX, even after paying them every month from XXXX 2013, they have n't reduced my interest rate and have n't reduced the payment at all. 

I have come to a point where I can not make the payments of the car anymore, I need the company officials to provide a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Experian several times in regards to Inquires and accounts that are not mine due to identity theft. I have mailed XXXX identity theft affidavits to the company and no action has been taken.

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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have a letter from XXXX that a fraudulent account that was opened in my name was investigated and was completed with the results being they determined that the account must be deleted which is right .... the account was never opened by me ... I sent all documentation proving that and they completed it and ruled in my favor .... I sent the supporting documentation to XXXX for them to delete the account and instead they removed like {$270.00} and updated the account ... the account was not supposed to be updated it was supposed to be deleted ... and Im hereby asking them to comply, if XXXX went back on this letter thats their issue not mines it must be deleted thats the resolution we came to ....

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 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (KY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed information on my Chexsystems report in XX/XX/2016 and never heard back. A dispute was opened, but I was never able to XXXX the results and they never made contact with me after initiating the disputes. The incorrect information remains on my record, with no way to remove or edit or even dispute any information. I have submitted the same disputes on the XX/XX/2016 via certified letter and will continue to try to get a response from Chexsystems.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Taking out the loan or lease

Complaint: Before applying for a Bank Americard Cash Rewards Card, I was told " your interest rate will be determined upon approval '' and told ... '' you may cancel the card if I am not happy with the interest rate. '' I applied for the card and received notice saying " your credit application has been approved with a {$13000.00} credit line. '' There was not mention of the interest rate as promised. I consider this false advertising. 

I called, no one could tell me what the interest rate was, and I was told to wait XXXX weeks until the card and paperwork arrives. I would have not applied if it took weeks to find out what the interest rate was. 

I find this totally offensive that they tricked me into applying then make me wait. In the meantime, my credit score drops because of their checking so I am TRAPPED with no card having to wait to see what the interest rate will be, before applying for a card elsewhere. This is a total strong arm lender biased transaction that is unfair to all consumers. BOA should be required to tell me the rate BEFORE applying or at the same time they give approval.

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 06/16/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am in the process of consolidating my student loans as of XXXX 2016 with Navient. I get calls non-stop from Pioneer Credit Collections. They call my cell, my family, my job, my friends ... .they even called my ex-boyfriend 's house! When I spoke to a rep at my job, I advised her that I 'm currently working with Navient on consolidating my loans and I would like to wait to hear what they have to say first. The rep did n't like that answer and that 's when the harassing calls began. The school is XXXX University in XXXX, NC. The company is Pioneer Credit Recovery /phone # XXXX ( and they always provide a reference # for each 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 explanation
Consumer complaint received 04-01-2015 about Credit card () with SYNCHRONY FINANCIAL (WI).
Issue: Billing statement

Complaint: I was suggested this card from my dental care. As per their suggestion, I applied and was charger for my service. I was making payments in time for past one and half years. For last three months, I dint receive any statement. I was contacted by their reps and informed that i was running behind my payments. I informed that, I will make a payment after I receive the statement. After two days I received the statement and was charged XXXX interest of XXXX balance. I offered them to pay all my remaining balance which is XXXX but informed that I am not making interest which sounds ridiculously high. And I do n't think it was my fault since I dint receive any statement for past 3 months. It looks to me that they intentionally dint send the statement so that they can force me to pay unjustifiable interest. I am ready to make a full payment but wo n't pay the interest. At this point I feel like they are palying fawl game. Please suggest us something that will help, I do n't wan to owe them money but still do n't want pay fowl interest which was introduced later on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-02-2015 about Consumer Loan (Vehicle loan) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Problems when you are unable to pay

Complaint: I lost my job shortly after purchasing my vehicle. I 've tried numerous of times to set reasonable arrangements on both my personal and car loan. I 've asked for clarity and everyone seems to provide different information. The branch manager was very rude and unhelpful. I went higher up the chain to the DM XXXX XXXX. XXXX is horrible. She 's also very unhelpful and argumentative. Each time I 've contacted her for information about my loans and options, she 's given me inaccurate information. I visited another the branch, and they were only able to produce 4 months worth of payment history. No one can answer my question of " who is above XXXX?. '' I 've never seen business like this. I 've visited other branches in the past and received much better care. I 'm just shocked that XXXX would have someone like her in a management role.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CO).
Issue: Deposits and withdrawals

Complaint: Basically Chase Bank and Credit card added a fee of {$79.00} per year to our CC which they paid their afilliate Prestige Card Services of XXXX, XXXX, FL XXXX, This deduction from our Credit Card account {$79.00} per year since XXXX to XXXX for some travel benefits, which we did not order in any way. We were travel agents at the time and received all these benefits free. We never in the 12 years received any information about the card or the services available. We never used the services., How did we find out about this issue after all these years. We received a post card copy XXXX XXXX XXXX, asking us if we wished to renew our membership for another year at {$79.00}. This is tye first time we received any information about this service. 
We called the number on the card XXXX on the XX/XX/XXXX and at XXXX the same day we called XXXX and spoke to a person ( XXXX ) who claimed to be the calling service for Prestige Card Services. After some discussion she told us we had paid for the service since XX/XX/XXXX. This is 12 years at $ XXXX a total of {$940.00} We asked for some proof that we ordered this service. She said it was on file and she would make a note to have the company call us on Monday XX/XX/XXXX. No call received We asked for a full refund as we did not request nor commit for this service. She took a phone break and came back offering us a refund for XXXX years. 
I asked who she was because calling services have no authority to give refunds. The agent was flustered took several short breaks to talk to someone, and stated someone would call us back on Monday and straighten this all out. No one ever did call. 
We googled XXXX and was amazed of how this company an afilliate of Chase can operate in this Fraudulent manner.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Using a debit or ATM card

Complaint: There was a news report that several ATM 's had scanners on their ATM 's in an area of town that I use the ATM 's. I checked my bank account and sure enough somebody had scanned my debit card and pulled out {$4500.00} out of my savings and {$100.00} out of my checking over a 7 week period. I had my debit card on me at all times, and I have never given my pin # to anybody. I called the bank, they said it was obviously fraud and said they would return my money. That was on XXXX XXXX. I have since had my claim denied for several ridiculous reasons and still do not have my money that was stolen. I had a savings account for several years and never took money out of savings, then over the course of XXXX weeks, somebody depleted my savings account and then moved on to my checking. The bank never notified me that somebody was withdrawing several hundred dollars a day several times a day without my knowledge. It was definitely not my pattern and out of the ordinary but they called it non-aggressive withdrawals. Seemed pretty aggressive to me that I would never take money out of the account and then nearly empty in XXXX weeks. I deposit cash in to my checking account that I get from my fianc for bills when he would cash his check at Bank of America. Why would I deposit cash into my checking and then turn around and pull out of my savings? It does not make any sense. They tried to tell me that it was my fianc taking the money, but he does n't even know my pin #, and the transactions were happening on the east side of town, while we were working on the west side of town. They showed me still pictures of him on dates that were not the same dates of disputed transactions. He also uses Bank of America. This is purposely trying to frame him and fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I attempted twice to get my free annual credit report from Equifax, XXXX and XXXX on Sunday, XXXX XXXX from the US government approved site XXXX. Both times I received a notice that I was unable to get a copy of this report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was doing an annual credit report update and the credit bureau Experian refused to delete information on the report in the form of old addresses that were ov er 7 and 10 years old.  They said they could keep the information on my report indefinitely and I could never have it removed. I requested  XXXX  to delete the old addresses and they did. I am waiting for the written summary update from them. Experian also authorized a credit report from my  XXXX  bank 3 times on the same date and I have never applied for credit or loans. This happened in   XXXX   around the time I opened the account. The last bureau would not release the report online due to answers to the ID verification of which I answered correctly. I strongly feel that Experian abused the laws on reporting and releasing information. I also have reason to believe that due to the ID verification questions on the  third bureau rep ort resulting in the bureaus denial of my annual report online that there has been illegal activity in the for of credit cards and loans being applied for using my name and SSN. I need further information on how to investigate these matters.

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 06/24/2015 about Debt collection (Medical) with JP RECOVERY SERVICES, INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has been calling me several times a day and harassing me about a dept that I discussed with the hospital that they sent to collection anyway. I get several calls a day in spite of any arrangements that I have XXXX with the reps.

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