milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I just check my credit report- As I do almost weekly- Apparently I have a XXXX account opened in XX/XX/XXXX under the married name for my ex-husband- Apparently this account went into collection in XX/XX/XXXX I never received a statement from XXXX or any collection- My credit report shows a balance of {$180.00} from XXXX. If either XXXX or ERC in XXXX, Florida- If they had send me a bill prior to my divorce in XX/XX/XXXX I would address this issue and had my ex-husband paid this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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 am filing this complaint because   XXXX   has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified ' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Managing the loan or lease

Complaint: I was leasing a car from Toyota Financial Credit and Toyota wanted to take the car back a few months early so I went XX/XX/2015. I believe it was on XX/XX/XXXX. I left the car and signed off on the mileage and leased a new car, a XXXX RAV4. The dealership representative, XXXX, sorry it is true, did not complete the paperwork. I continued to get a bill for the car I gave back. I spoke to Toyota Financial Services several times. They were less than helpful and even tried to say that they did n't care about the dealership, that I had a contract with them. They said, they knew obviously that I did not have both cars. It was only after I told them that I had a contract with them and would be in that night to pick up the Camry that they panicked and located the papers where I of course had signed off on the mileage and traded in the car in XX/XX/XXXX. They had the nerve to put on my credit bureau that I was delinquent in paying my car payment for the car I did not have since XX/XX/XXXX when I gave it back. They billed me for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. It was only through a mortgage refinance inquiry that I found out they did this. When I tried to call them, 3 times, each time they left me on hold for 50 plus moments and then would suddenly be gone, leaving me to have to call again and start the 50 minute process of waiting, never having helped me. I am beside myself with anger. I have been a customer of theirs for 20 years. I have never been late or missed a car payment when I bought or leased a car. This is unacceptable. They also promised me when I spoke to them and they realized their error, that this would not happen. I am going to make a complaint against the dealership as well and I hope to have the person fired that handled my car. Often people consider what that could involve, but in this case it is appropriate. When I called the dealership, instead of being helpful the manager tried to accuse me of not reading the contract etc. Of course I signed off! His XXXX dealer did n't do his job. Now I am after jobs as this is unforgivable. I am an XXXX XXXX, work very hard and the least I should expect is honesty and compassion. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything. 

You must remove the Fraud alter from my credit profile!!! 

You must remove the inquiry for XXXX XXXX XXXX XXXX from my credit report!!!!! 
XXXX card balance is not correct!!!! 
second XXXX card balance is not correct!!! 
XXXX NO MOUNTHY PAYMENT MUST BE DELETED XXXX NO HIGH BALANCE MUST BE DELETED XXXX NO EARNER PLAN MUST BE DELETED XXXX BALANCE IS INCORRECT!!!! 

MY ADDRESS NOT CORRECT MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the e-Oscar. XXXX You must update my credit score!!!!

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 12/13/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Making/receiving payments, sending money

Complaint: 1ST MY SON HAD NEED FOR A DEPOSITE OF ABOUT A XXXX DOLLARS CASH INTO HIS ACCOUNT AND HE WAS OUT OF TOWN WE JUST WANTED TO DEPOSITE AND CASE BANK Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX THIS IS WRONG ARE LIVING IN STATE THAT WE CA N'T TAKE CASH XXXX ALSO I WENT TO GET A MONEY ORDER BUT IF YOU DONT BANK THIER THEY WANT SELL YOU A MONEY ORDER TO PAY THE GOVERNMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Checking or savings account (CD (Certificate of Deposit)) with SYNCHRONY FINANCIAL (MO).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: I sent a signed request through XXXX to close my Synchrony CD on XX/XX/XXXX. The CD matured on XX/XX/XXXX. This was my account number XXXX. XXXX followed through and posted that the transfer was in progress ( I have documentation ) and was scheduled to be transferred on XX/XX/XXXX. 

I checked with XXXX on XX/XX/XXXX to see why my funds were not in my account and was told they were not successful. The bank wanted to " hear from me '' I have transferred many accounts through the years. Transfers that are clearly written and signed NEVER have a problem. Until now. 

I can not have an on line account with Synchrony because they " no longer support my browser '' I am forced to push several buttons and call the toll free number. The rep told me that my CD was rolled over and that it would involve a substantial penalty if I now attempted to close it. I closed both my accounts -- -figuring he was misinformed. No bank would attempt this. 

I was wrong again. They took a substantial amount out of the check they sent me. No accounting was sent ( it was {$110.00} less than my last statement balance -- no accrued interest ). This is a lot of money to me. 

I must be liquid and safe. The bad news is that I own 2 brokered CD '' s from Synchrony in my XXXX account. Something to worry about later.

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 08/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: EOS CCA XXXX Phone number ( XXXX ) XXXXThis company is trying to collect a debt from XXXX XXXX XXXX social security number XXXX address XXXX they have reported this on my credit report. I am not and never have been XXXX XXXX XXXX. How the hell can these XXXX report someone else on my credit report? The name, address, and social security number are completely different. I just got XXXX to correct this and now the dishonest XXXX are reporting it to XXXX XXXX. I have spoken to XXXX at length on this issue and I do not have any outstanding debts with them. 
If sticking other peoples debts on my credit report is n't illegal it should be

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On   XXXX   XXXX  , 2017 I paid my collection to   XXXX   XXXX   XXXX   for a debt owed to   XXXX   XXXX   XXXX   in the amount of {$350.00}. In the last two months I have been recieving phone calls from Diversified Consultants from a North Carolina number ( each time a new number but always from NC ). I have informed them multiple times that I have already paid this debt to another agency. I even called the agency and  XXXX  and verfied that it was paid and the debt is no longer owed. Today (   XXXX   XXXX  , 2017 ) I recieved another phone call and the gentleman began to have an attitude/nasty with me when I informed them once again that I did not owe and I would not be paying them. I do not owe this debt and I would REALLY like to stop recieving phone calls early in the morning from them. They call me at least 4 out of 7 days in a week. Enough is enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Equifax was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OR).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Citicard offers a program called "  PRICE REWIND  ''. They advertise - you buy, we track, you save..   See their website :   XXXX   XXXX   XXXX   As it is mentioned they ( citicards ) tracks the prices, however, the majority of my purchase price adjustments are rejected under the heading.     " Proof of lower price found '' - so they track but I have to provide proof of lower prices of the items???     How come they advertise " we track '' and then reject my price rewind benefits where I have to proof the lower price advertised.

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 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: In  XXXX   XXXX  I hired  XXXX   XXXX   XXXX  to work on my credit report to remove negative and inaccurate information, which was done ; however in  XXXX   XXXX  when I pulled my credit report I noticed that an account from  XXXX   XXXX  was reinserted back on my credit report, which is a violation of my rights under the FCRA.     I submitted a dispute to TransUnion,  LLC  informing them on  XXXX   XXXX ,  XXXX  sent the letter certified mail which they received on  XXXX   XXXX ,  XXXX  that the account  XXXX   XXXX  was deleted off of my TransUnion Credit file on  XXXX   XXXX ,  XXXX  ; and that they did not follow the guidelines according the FCRA requirements to reinsert the account.     In accordance with the requirements of the FCRA section  611 ( a ) ( 5 ) ( B ) ( ii ),   you are required to notify me of the reinsertion in writing within 5 business days.   ( B ) Requirements relating to reinsertion of previously deleted material (  ii  ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion I writing not later than  5  business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I was told by TransUnion that is incorrect and that anything can be reinserted on my credit file if it belongs. Also, they did not even review the letter that was submitted to them -- the representative informed me in was just scanned in my file and never looked into.     I am requesting that because TransUnion remove this item off my credit report as it did back on  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 09/29/2016 about Debt collection (I do not know) with CONTRACT CALLERS INC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Have been called several times by this company saying I still owe money on an account. I paid the account off in 2006 and told them that. Continues to call me despite the account being paid off over 10 years ago and past statute of limitations.

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 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 have contacted both XXXX  and Transunion regarding XXXX XXXX Credit Card on both credit reports it is showing late payments for the months of XX/XX/XXXX and XX/XX/XXXX.

I was not late on those months.

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 03-01-2018 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: This is the issue in which I am requesting a relief letter from Bank Of America. 

For consideration : BOA mortgage acct # XXXX XXXX. On XX/XX/XXXX, I filed a voluntary petition under Chapter XXXX of the United States Bankruptcy Code in the United States Bankruptcy Court. On XX/XX/XXXX, it was discharged. The debt was not reaffirmed. ( I attached a copy of the Bankruptcy doc and Letter of confirmation from BOA ) 2. A Deed In Lieu of Foreclosure was completed on the same property on XX/XX/XXXX. ( I have attached a copy of the Deed In Lieu doc ).

Note : I should not have been advised to enter into a second hardship situation on the same property that had previously been discharged in Bankruptcy.i A deed in lieu of foreclosure is a deed instrument in which a mortgagors ( i.e. the borrower ) conveys all interest in a real property to the mortgagee ( i.e. the lender ) to satisfy a loan that is in default and avoid foreclosure proceedings. Further, the deed in lieu of foreclosure offers several advantages to both the borrower and the lender. The principal advantage to the borrower is that it immediately releases him/her from most or all of the personal indebtedness associated with the defaulted loan. 

My question/issue : I contacted Bank Of America in XXXX XXXX for advice on how best to vacate the property at XXXX XXXX XXXX XXXX XXXX, Al XXXX that had been previously discharged in Bankruptcy in XX/XX/XXXX. I was advised to initiate a Deed in Lieu of Foreclosure. 

According to the description or definition of a Deed In Lieu stated above the Deed In Lieu process should not have been required because I was no longer responsible for the debt after the bankruptcy discharge on XX/XX/XXXX XXXX see attachments ) The guidance I received from BOA has caused a great deal of confusion thereby increasing the waiting time for me to become eligible for a new mortgage. My waiting time should be four years from the date of the Bankruptcy that occurred in XXXX XXXX which would have made me eligible as early XXXX ; however, having been advised to enter into the Deed In Lieu, the waiting period started with the transfer of title in XX/XX/XXXX. Therefore I will not be eligible until XX/XX/XXXX. 

Why did BOA allow this action to take place?

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 08/31/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Could CFFB and Navient please provide a ruling or further explanation on the Auto Debit Repay Benefit for Student Loans? 
From the XXXX website : XXXX " Direct Debit ( ACH/EFT ) Discounts : Interest rate reductions of 0.25 %. Require that all payments must be paid on time ( usually defined as within 10 to 15 days of the due date ). Even if you sign up for automatic direct debit of the monthly loan payments from your bank account, you can still lose these benefits by having insufficient funds in your account. If you are late with a single monthly payment, you lose the benefit permanently. '' Could you please clarify " can lose these benefits '' as it is written? Or " will lose '' these benefits ''? 
My reading of the rule is that the Auto Debit Benefit is lost forever if a payment is late ( incurs late fees ), but I find nowhere the language that states specifically that an instance of insufficient funds from an ACH payment automatically disqualifies the Auto Debit Repayment Benefit, unless of course those insufficient funds are a reason that a payment ends up being late and thereby incurring late fees. 
I have never, ever, not once been late with a student loan payment, but one time I did have insufficient funds from an {$120.00} Auto Debit on Private Loan -XXXX on XXXX XXXX, 2014. However, I was never late with a payment. 
Once I realized the insufficient funds, I made payments towards Private Loan -XXXX both through my bank and within the Navient website, so that within the 15 days from the due date, I had made two ( 2 ) payments, XXXX XXXX, 2014 for {$120.00} and XXXX XXXX, 2014 for {$120.00}, which is actually twice the amount that was owed. I incurred no late fees, which is the definition of a late payment. 
Navient removed the 0.25 % Auto Replay Benefit from XXXX XXXX in XXXX 2014 ; however, I have never been late with a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX XXXX {$85.00} XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX XXXX {$85.00} Could not ret/buy house due to below average Credit Score. Please help me to get rid off from this critical problem.

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 02/17/2018 about Debt collection (Medical debt) with Professional Claims Bureau, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: PCB IncXXXX collecting on a debt that provider already admitted did not owe. I have submitted {$150.00} to this collection agency and they will not respond to emails or phone calls to refund payment. 

Please advise. 

XXXX XXXX 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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: In regards to the two XXXX collections on my credit report, I have called several times with hopes in settling the debts as I am in the process of purchasing a new home. Each time I have called, even in speaking with a supervisor, I have been told that the debts are beyond the statue of limitations and they can not collect any monies on the accounts. If the debts are beyond the statue of limitations and they are refusing to collect any monies from me, then why are they reporting these debts to my credit report. I need these removed ASAP. XXXX : {$5300.00} - {$2500.00} XXXX : {$7800.00} - {$460.00}

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 03/18/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage statement indicates that there is no late payment until the XXXX of the month. XXXX, even though I make the payment before the XXXX we receive statements that are issued prior to the XXXX and indicate a past due payment. This adds to the overall cost of the mortgage. I called company about this and I was told that there are no additional costs to the mortgage just because the new statement does not include the latest payment. For example, I paid XX/XX/XXXX payment on XX/XX/XXXX. I paid current payment and added payment principal payment of {$150.00}. Statement dated XX/XX/XXXX ( attached ) and received on XX/XX/XXXX shows a past due balance. 
Seterus consistently issues monthly statements prior to the XXXX of the month, causing the perception that the payment is late, thus allowing them to omit applying most recent payments and incurring a higher mortgage balance as a result. If there is no grace period and the payment is in fact late, why does the late fee begin after the XXXX. This policy has negated all of the extra principal payments we have made, although Seterus denies it, but simple math indicates otherwise.

Company response to consumer: Closed with explanation