milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2016 about Debt collection (Medical) with Northeast Collection Bureau (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX I received a phone call at my place of employment from a XXXX XXXX calling from XXXX ( northeast Collection Bureau ). He stated that my file was bought by them and am currently {$3000.00} in debt, but that is not the amount I was told in XX/XX/XXXX. In the month of XX/XX/XXXX I was told {$1200.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing statement

Complaint: Bank of America is issuing inaccurate statements. I have XXXX balance transfers, XXXX with a promo short-term zero interest rate ( after the. Under the Interest Charge Calculations section of my statement, under " balance subject to interest rate '' it shows a zero balance for each of the balance transfers. This is not correct. I have several thousand dollars subject to that special zero-percent interest rate. While the special promo rate happens to be XXXX at the moment, this will change when the promo time period is over. 

Every other credit card company I have ever had a balance transfer with shows the actual balance in this section of the statement, even when the rate is zero. Right now I have no idea of much of my actual balance is currently subject to this promo rate. When I called Bank of America about the issue, I spoke to supervisor who said they used to show the correct balance amount there, but it was changed last year, she did n't know why, they had had a lot of complaints, but while they knew they were providing inaccurate information to the consumer, they were not going to change it and will continue to provide inaccurate information. She said that If I wanted to know my balance for each balance transaction each month, I would just have to call each month since they would not provide the statement regarding my correct balance on my statements. 
This is completely ridiculous and counter to the information they are supposed to provide me so that I can make good financial decisions. As I said, every other credit card company provides this information correctly on their statements, and by their own admission, BofA used to provide this information correctly. 

I 've attached a sample of my BofA statement and my statement from XXXX bank. As you can see, the BofA statement gives me incorrect information in that it is stating that I have a XXXX balance subject to the promo interest rate. this is completely incorrect. The XXXX statement presents the exact same situation correctly.

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 06/15/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: After reviewing the response from XXXX on my initial dispute, they stated BofA was the once who charged off this loan in XX/XX/XXXX. I am sending you the credit history from XXXX XXXX XXXX who serviced the loan for BofA from XX/XX/XXXX until XXXX XXXX at which time BofA contacted me and told me they were assuming services of the loan and to cease payments to XXXX XXXX XXXX immediately. This is where I believe the problem occurred. I stopped making payments to XXXX XXXX XX/XX/XXXX after 2 years of on time payments per instructions from BofA. After calling XXXX, I discovered BofA did n't notify them until XX/XX/XXXX and unknown to me, they reported 4 months of delinquent payments to BofA. I was in constant contact with BofA from XX/XX/XXXX until XX/XX/XXXX when XXXX took over servicing from BofA and immediately charged off the loan. BofA starting in XXXX XXXX immediately put me into a new modification and refused to accept any payments until the modification was complete stating that they could not accept payments until the completion of the modification and assured me numerous times it would not negatively effect my credit. BofA obviously neglected to contact Real Time Solutions for 4 months after instructing me XX/XX/XXXX to no longer make payments to XXXX XXXX XXXX and must have continued negative credit reporting during the modification process and knowingly not accepting payments and eventually charged off the loan. BofA needs to remove this from my credit as it is causing me financial hardship. This loan was never delinquent and should not have been charged off. Attached is the entire credit history with XXXX XXXX XXXX, BofA and XXXX. Please research this with BofA and have the chargeoff removed from my credit per XXXX response to my initial dispute and the supplied credit history.

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 04/26/2017 about Vehicle loan or lease (Loan) with SUNTRUST BANKS, INC. (FL).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: I purchased a car   XXXX   XXXX   XXXX   on  XX/XX/XXXX  from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Unbeknown to me a the time,  XXXX  transferred my car loan to  Suntrust  Bank. After quite a few problems with the car, I decided to trade in my car and purchase an  XXXX  ( more reliable car ) from   XXXX   XXXX   XXXX   XXXX   XXXX   in    XXXX   XXXX   , and offered my  XXXX  ( loan held wit h Suntrust )   as a trade in.  XXXX  contacted  Suntrust Ba nk twice to enquire payoff amount on the SLK ( on t he day I thoug ht of trading in the car and the actual day of the trade in ( which is weeks apart )  XXXX   was to ld by  Suntrust that the p ayoff amount was {$25000.00}.  XXXX  paid the amount requested fro m Sunt  rust Bank and Suntrust Bank filed a lien satisfa ction to  XXXX  for the  XXXX .  Suntrust Bank later co ntacted  XXXX  and outright lied stating that they did not say {$25000.00} they said {$35000.00}.  XXXX   XXXX   XXXX   XXXX , told  Suntrust Bank  that was NOT the amount they stated and advised Suntrust Bank to listen to their voice recording and not to tamper with the recording ... or else.  Suntrust Bank later g ot back to  XXXX  and told  XXXX  that they DID, indeed, said the payoff amount was {$25000.00} . Suntrust Bank  then contacted me for {$10000.00} which I knew I did not owe as I only had the SLK for under 24 months, not 72 months, and  XXXX  had already paid the payoff amount requested by  Suntrust Bank an d my obligation was satisfied. The only amount owed by me was to  XXXX  for the  XXXX .  Suntrust Bank th en filed a lawsuit against me for the {$10000.00} and after realizing they had a " losing case, '' as I had all the pro of. Suntrust Bank requested a v oluntary dismissal from my attorney. This dismissal took place on   XXXX   XXXX   XXXX  . However, since that time  Suntrust Bank has r efused to remove my name from the major credit reporting agencies which has damaged the excellent credit rating I had prior to  Suntr  ust Bank incompetence. Suntrust Bank also sent me a  Cancellation of Debt (  XXXX  ) for the {$10000.00}, and I paid the taxes to avoid any problems with the IRS.  Suntrust Bank is an inept, inco mpetent, repulsive bank with numerous amount of online customer complaints which proves just how unfit this bank really is.

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 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I sent the attached letter to Navient/  XXXX   XXXX   XXXX  disputing the late payments on my credit reports. Navient did not respond at all. As explained in the letter Navient never informed me they were reporting negative information after  30  or 60 days. This is a FCRA violation. They report the negative information at 90 days late. Protections in the FCRA were designed to inform consumers when negative information was reported. When they do not report the information until 90 days late they are both ; not reporting information accurately, and not giving consumers the notice the FCRA was designed to give. These loans are paid in full. They were paid in full as soon as the obligation was communicated. It does not matter if Navient believes they are doing consumers a favor by not reporting at 30 or 60 days late. It is not accurate and a FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Struggling to pay mortgage

Complaint: I was offered a  three mont h trial payment plan with bank of America. I made  all three pay ments on time per the agreement. Now bank of America has sent a letter stating that the loan modification has been denied because they can not verify my identity.??? I have to verify my identity each time I call them and I 've sent my identity information with all of the loan modification documents.     I 've owned my home since  XXXX     1999.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX/XXXX/XXXX Equifax Inc. said its systems were struck by a cyberattack that may have affected about XXXX XXXX U.SXXXX customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers. Credit card numbers for about XXXX consumers were also accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with AmerAssist A/R Solutions, Inc. (NY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint: AmerAssist is continuously calling me regarding a debt that my mother has with a    XXXX   XXXX   . I am power of attorney for my mother and signed no documents taking responsibility for any debt in my mother 's name.  AmerAssist  had made an inquiry on my personal credit report and has threatened to report this as an unpaid debt. I know they can not legally do this. But I simply do n't trust them. They have already lied to me advising me that as POA, I am responsible. I know this is n't true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2015 about Mortgage (VA mortgage) with U.S. BANCORP (VA).
Issue: Loan servicing, payments, escrow account

Complaint: After refinancing my XXXX bedroom condo with US Bank, they sent me a request for proof of adequate insurance coverage. After sending my insurance documents ( via fax ), US Bank informed me my insurance coverage was inadequate and they were authorized to provide insurance for me. I told them I would contact my insurance carrier ( XXXX ) and increase my coverage to satisfy their demands. A XXXX way conversation was initiated and XXXX increased my coverage to satisfy their demands. Once all parties were satisfied with the increased coverage amount, I continued to make my monthly condo insurance payments to XXXX, however I recently recieved an itemized escrow statement from US Bank witch included an insurance payment for the exact amount I am presently paying XXXX bi-annually. I tried to explain to US Bank representatives that it was unnecessary for them to charge me for home-owners insurance since I pay for said insurance through XXXX and please refund my escrow payment. I was then told I signed specific documents during closing that allows them ( US Bank ) to provide me with adequate coverage and it was within their rights to do so. I tried to explain to them I satisfied the coverage through a third party insurer ( XXXX ). After being transferred to several different representative, I finally gave up my fight. Now I feel ; though I 'm not sure, I 'm paying twice for home-owners insurance. Once through my carrier ( XXXX ) and twice through ( US Bank ) escrow. Can you see my dilemma?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
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: I noticed on my credit report that a medical was on there XXXX, and it was the same medical. The medical was reported by XXXX XXXX for a medical service. The service was on the same day, the amount was the same, but yet they have XXXX medicals for the same debt. They have duplicate trade lines. I have asked XXXX and Equifax to remove the XXXX duplicate tradeline, both in the amount of XXXX dollars. They refuse to do so. I have worked at a credit agency ; the XXXX unpaid XXXX XXXX are the same account : open date the same, amount the same, day of delinquency the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2018 about Debt collection (Mortgage debt) with M&T BANK CORPORATION (KS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX, XXXX 2018 TO WHOM IT MAY CONCERN This is a complaint against XXXX XXXX with an address located at XXXX XXXX. XXXX XXXX, XXXX XXXX, IA XXXX. 
XXXX XXXX is a debt collector as defined by 15 U.S. Code 1692a of the federal Fair Debt Collection Practices Act.

The attached documentation details violations of 12 C.F.R. 1024.41, and/or 12 C.F.R. 1024.40, and/or 12 C.F.R. 1024.35, and/or 12 C.F.R. 1024.36, and/or specifically 12 C.F.R. 1024.41 ( b ) ( 1 ), and/or 15 U.S. Code 1692e. 
Please investigate these matters. 
All the necessary documentation supporting this complaint have been attached. 

XXXX XXXX XXXX XXXX or use the following shortened URL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX or use the following shortened URL XXXX XXXX XXXX XXXX XXXX XXXX XXXX or use the following shortened URL XXXX 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 05-10-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (GA).
Issue: Shopping for a loan or lease

Complaint: In XXXX 2016, Ally Financial was contacted by the Consumer regarding intentional delayed credit reporting. The Consumer discovered on XXXX/XXXX/2016 Ally Financial did fraudulently and knowingly falsify consumer credit reporting by using inaccurate balance data and the date of reporting to distort credit score increase in favor of Consumer ; Example : On XXXX/XXXX/2016 Ally Financial claims on XXXX Credit Report, the report submission date was XXXX/XXXX/2016 and the consumer auto balance was {$37000.00} which is false data for XXXX/XXXX/2016, thereby proof that 60 calendar days had elapsed as the Consumer 's balance fell to {$37000.00} as result of a XXXX/XXXX/2016 payment. From XXXX/XXXX/2016 to XXXX/XXXX/2016 Ally Financial did fraudulently, willfully, and knowingly falsify the Consumer 's XXXX Credit Report by reporting a balance of {$38000.00} ( did not happen until XXXX/XXXX/2016 ) and skipping altogether a balance of {$37000.00} ( which happened on XXXX/XXXX/2016 ). Ally Financial has intentionally used false/delayed credit reporting tactics repeatedly against the Consumer in order to intentionally mislead/depress credit score increases that occur naturally with aging of account life and decrease of balance. Further, the reasoning for the above-mentioned illegal credit reporting tactics by Ally Financial serves to delay credit score increases whereby the Consumer could either refinance the auto loan at a lower interest rate or change to another more reputable lender altogether.

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I had not used my target card in over 2 months because my balance was {$0.00}. Checking my credit card statement in early  XXXX  it showed t hat I had reported owing money to Target, and it had caused a large hit to my credit score when I was trying to buy a house. I tried contacting Targets credit card support but they told me there was nothing I could do. I immediately paid them the {$15.00} that it showed I owed them. There was never any statement sent to my address, or my previous address and I had not received any emails either. I was told on the phone that even though I paid the balance on the card, they would not remove the credit card hit because " I was sent a statement so I knew I owed money ''. Very rudely the representative ended t he conversation. I tried calling back many times and explaining I was never told I owe any money, all ending with the same result. Eventually I ended up just calling to cancel the card because I was getting such rude and un-helpful service. I have filed disputes with all  XXXX  major credit agencies to get this removed, explaining to each of them that Target is being completely uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Mortgage (Conventional fixed mortgage) with UMPQUA HOLDINGS CORPORATION (CA).
Issue: Settlement process and costs

Complaint: My friend and I purchased a house together in XXXX OR. We set it up so that if either of us died the other person would get the house. XXXX XXXX Died XX/XX/2016.I had to sale because I could not afford it.The house sold on XX/XX/2016. My name was on the sale papers, deed, and should of been on the loan also.We had an escrow account for taxes and insurance. The insurance had no problem giving me my check in my name alone. You people at Umpqua bank refuse to give me a check with my name on it alone.I explained many times to your workers that it was impossible for me to produce a death certificate. I had no idea what name his daughter put on the paper. I gave up my new telephone number to try once again to communicate with his daughter XXXX XXXX. 




she is now harrasing me me all the time. Please send me a check in my name for taxes saved in escrow which belongs to me not you in the amount of 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 10-11-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX the XXXX of 2017, I was contacted by southwest credit systems regarding a debt the XXXX XXXX XXXX claims I owe them but as I have stated in previous claims, I do not owe because XXXX XXXX XXXX broke FTC law by making promises that caused me to make decisions that they refused to honor and they are violating the FTC law by trying to collect on this debt before the FTC has even finished their investigation. I will say to this company as I have said to the previous, this matter is being prepared to go to court if need be, since they refused to honor their own employees guaranties more than once, XXXX XXXX XXXX broke this contract and if anyone owes anyone money, they owe me for the termination and the time I am having to take to deal with this issue. This matter has gotten so far out of hand that I have even had to contact my senator, The Honorable XXXX XXXX in hopes of resolving this matter. This letter will service as an official Cease and Desist letter and any more attempts by this company to collect this debt, written, call, credit reporting, or any attempt not mentioned will result in legal action. I have made an attempt through the FTC to talk to XXXX XXXX XXXX as long as I could record the call and have a witness present and to this day they have refused, they have refused my offer of recorded third party mediation as well. I offered both of these as well as filing complaints with the FTC, FCC, Senator XXXX XXXX XXXXs office as well as the Consumer Financial Protection Bureau and all the company has done is send collection companies after me. This should be illegal and as I mentioned, Southwest Credit Systems choose to be in the debt collection business, it is not my fault that the companies they deal with do not provide them with full information of a case. Any communication other than one saying that they will be closing the account will be responded to by both of my lawyers and I will not be paying their fees.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Payday loan () with Ad Astra Recovery Services Inc (PA).
Issue: Can't contact lender

Complaint: last year i was something inaccurate on my cbr and i contacted this creditor to get this resolved i sent them a copy of a police report and a letter stating this was identity theft. They are now asking for me to submit this info to the support desk at XXXX but its not working when i contacted the company they were extremely rude and would n't provide a alternative to submit my police report for this fraudulent claim

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent  XXXX  has knowing and wrongfully placed a collection account on my credit reports with  XXXX  and  XXXX   XXXX  that does not belong to me, they continual to harass me me for my personal identification information and threaten to take further action against me for a debt I know nothing about.     I have not entered into any type of legal or binding contract with Convergent  XXXX  nor have I subscribed to or received any services from them. The identifying information which was provided to me by one of there collection agent does not belong to me and are not mines and I never have resided in the  State,   City  or address which the agent also provided. The information and account are bogus in nature and deliberately and wrongfully placed on credit reports.

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