milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: I had previously filed a complaint because I suddenly started getting {$25.00} monthly service charges on an account that had never been charged. The response I got was that my checking account was no longer tied to a mortgage account, so I would now be getting charged. Well, my account was never a mortgage account in the first place. I 've never even had a mortgage for it to be tied to. Your reason for charging me this fee each month is invalid. I was issued " courtesy '' credits for a few months, but found that I 've been charged again for XXXX XXXX and XXXX XXXX. I 'm sure I 'm about to be charged again for XXXX XXXX. I would like a refund of the charges, and my account fixed so that it is like it was before. All I had to have was direct deposit to avoid monthly fees, and I 've had direct deposit for as long as I 've had the account. Please, do not send me any more freaking terms and conditions and cardmember agreements. They are n't even valid since my account was never tied to a mortgage! Do NOT call me. Email or regular mail only.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Earlier this year Equifax had a data breach that leaked my personal details and information. They had subpar security, and were negligent about making sure that my data was safe. After learning about the data breach, Equifax was negligent about handling the aftermath, and kept it secret for too long. Now that my personal details have been leaked, there is no way to get them back to being secret again. This threatens my ability to buy a house, buy a car, rent an apartment, or take out loans in case of an emergency ( like XXXX XXXX or XXXX ). In order to mitigate this for myself, I have to spend extra time and effort to monitor my credit, and will have to make sure to stay vigilant for the rest of my life. Their response to the breach was to offer 1 year of credit monitoring ( so, basically a free trial version ) to those affected, which signing up for their credit monitoring service would bind me to arbitration and prevent my participation in a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (I do not know) with Vital Solutions, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get a call from Vital Recovery every day. The number is XXXX. They are trying to collect a debt from XXXX XXXX. There is no XXXX XXXX associated with my phone number. I have repeatedly told everyone who calls to remove my number because there is no XXXX XXXX at my number. Still the calls continue literally EVERY day.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CO).
Issue: Deposits and withdrawals

Complaint: On XXXX I deposited an insurance claim check ( signed by my mortgage company and myself ) into a BBVA Compass ATM at XXXX XXXX XXXX XXXX XXXX CO XXXX. I then received a letter on XXXX stating that " multiple payees-payee not an account owner ''. On Monday XXXX I called the customer service line and they were able to pull up an image of the check and stated that there was no reason why this check could not be deposited. I had the check image faxed to the BBVA branch at XXXX XXXX XXXX XXXX and then went into the branch to speak to a supervisor. When I got to the bank I asked for a supervisor, XXXX XXXX who was completely incompitant stated she was a supervisor and would try and answer my questions. Come to find out she is only a Sales Advisor and completely misrepresented herself. After showing her all of my documentation and explaining the issue she stated that the checks in the ATM are not picked up until Thursdays and that there is nothing they would do. She refused to obtain the check prior to Thursday and would not explain why. She verified that they have an image of the check both front and back and that she could see XXXX signatures, However they needed the physical check which was in the ATM. I stated that there was no sign of any kind on the ATM telling customers that if you are depositing an insurance check or check with multiple payees that it should be taken inside. She has no response. When I asked her why I am able to make deposits with my phone and they deposit those checks with images only yet they can not do that now even thought they have the physical check in their custody she stated they just could n't. It is completely unreasonable to tell a customer that they can not make certain deposits at the ATM after the fact when there is no sign, and no notification what so ever. After returning home I called the customer service line again. I was again informed that there was no reason for the bank to not deposit the check and that it was " already in route back to me '' I asked how this was possible after I was told by XXXX that they could not access the check until Thursday. The customer service rep stated she did not know. It is obvious that XXXX XXXX is unethical and a lier. She misrepresented herself and lied about the whereabouts of the check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/14/2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Pinnacle Credit Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been dealing with my mortgage company, XXXX XXXX since they bought my mortgage in XX/XX/XXXX. They are supposed to take care of my property taxes. My property taxes are $ XXXX/year after residential exemption. However, they keep charging me {$2700.00} per year. I have contacted them via phone and FAX to ask them to reduce property tax withdrawals from my account to their escrow account, however, they simply ignore my request. Right now, I have {$1800.00} in my escrow even though I do n't owe any taxes for XX/XX/XXXX! And, XXXX XXXX ignores my request to return this money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX was never disputed but has a remark about a dispute. XXXX XXXX is not aware of a dispute. XXXX was never disputed and the account has a remark. XXXX is not aware of a dispute. There are inquiries on my credit file that were placed in error. There should not be any inquiries for XXXX, XXXX XXXX ( XXXX ), XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, or XXXX. The inquiries were not authorized. Furthermore, I requested my XXXX credit account to be updated to reflect credit limit of {$2500.00} back in XXXX and it is still showing credit limit of {$650.00}. XXXX account has a balance as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2017 about Debt collection (Medical debt) with EOS Holdings, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After surviving XXXX XXXX XXXX. I ended up paying {$15000.00} in medical bills out of my own pocket. Most of these bills I paid immediately. I made sure to avoid ALL medical debt. Yet, after 6 months I start getting calls from EOS. A collection agency based in Texas, even though I 'm in NY state. 

After I deal with the confusion everything is cleared up, or so I thought. A year later they call again. It 's the same two bills. I sent in more specific information. Another year goes by and they call again. By this point I 'm very angry. I have XXXX XXXX, in XXXX call them directly! I 'm left alone for all of XXXX. 

Then inXX/XX/XXXX they call again. I mail them the copies of the bills I paid out of my own pocket all those years ago. This is some crazy frivolous XXXX. We 're talking {$82.00}. I finally consult a lawyer for free and he says it 's fraud. I do not have the money to sue, I became unemployed from the illness. Luckily doctors finally found the problem and put me on the right medicine. I 'm working my way back to a normal life, with a good paying job. 

They are n't stopping anymore. They keep calling with more devious ways to fool me into giving them my personal information. I went to the hospital and printed every receipt I could find on top of the ones I have. I was instructed to never speak with them again. But it does n't stop. Please seek justice on behalf of the many who ca n't afford legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I want Trans Union, XXXX and XXXX to update my credit report with the following personal information : Employer : XXXX XXXX XXXX, Position : Chief Executive Officer ( CEO ) Annual Salary : {>= $1,000,000} ( $ XXXX ), Annual/Total Household Income : {>= $1,000,000} ( $ 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 non-monetary relief
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Credit inquiries were previously disputed and deleted from my credit report. I check my report and found that the deleted inquiries were re-entered. I made several calls to Transunion and the representatives that I spoke with admitted that there was a glitch in their system. I was transferred to their " special handling department '' to get my request fulfilled, they advised that they will handle, confirmed that the items would be removed and nothing ever happened.

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 03/22/2016 about Consumer Loan (Vehicle loan) with AFS ACCEPTANCE, LLC (MD).
Issue: Taking out the loan or lease

Complaint: I financed a vehicle through AFS on XXXX/XXXX/2014, with a loan agreement of {$13000.00} owed at a 19.95 % finance rate. I made 16 payments on this vehicle, totaling close to {$7000.00}, and was in a car accident and the vehicle was totaled. My insurance company paid AFS {$10000.00}, making the total amount paid on this loan over {$21000.00}, with it being reported that over {$6500.00} was paid towards interest. I paid off this vehicle in 16 months when it was a 50 month loan and it specifically states in the documentation that there is no penalty for paying off the vehicle sooner. Given the fact that I made payments of {$400.00} each month, for 16 months always on time and the total paid by my insurance company being over {$10000.00}, AFS charged me a finance percentage rate of nearly 50 %, when it should have stayed the 19.95 per our contract. I am owed at least {$3500.00} according to their own record keeping and contracts I had signed when purchasing the car.

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 01-09-2018 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: I BECOME AWARE THAT CAPITAL ONE AUTO FINANCE REPORTED IN MY CONSUMER CREDIT REPORT A BALANCE DUE AMOUNT OF {$6800.00}. THIS VEHICLE WAS ILLEGALLY IMPOUNDED WITHOUT MY CONSENT OUTSIDE MY POSSESSION. THE VEHICLE WAS SOLD IN AN AUCTION BY THE TOWING COMPANY. THIS ALLEGED DEBT WAS CHARGED OFF AND I HAVE NO MORE OBLIGATION TO PAY SUCH INACCURATE AMOUNT AND AS PER 26 US CODE SUBSECTION 166- ( Worthless Bad Debt within the taxable year )

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX Bank of America decided to " Charge off '' my home mortgage. 
My property taxes were in escrow with my mortgage. 
BOA NEVER informed me that they had " charged off '' my mortgage, I received a property tax bill from the XXXX XXXX XXXX XXXX NJ in late XXXX for XXXX. I did n't understand why I was getting a tax bill being that my taxes were in escrow. I contacted my go to person at BOA and was not able to connect with her. I continued the search for someone to explain to me why my taxes were not paid. Finally I got someone who told me about the " charge off '' and that no more help will be coming from BOA. I did file a complaint with CFPB about the mortgage issue. Now I am filing a complaint because I do not have XXXX and the XXXX XXXX XXXX does not take payments you have to pay the full amount and I have been notified that my house will be sold in a tax sale in XXXX. Being that BOA caused this debt by never notifying me that they were no longer paying my taxes they should be held liable for this debt. XXXX again BOA put their customers in untenable positions financially. I am really going to loose my house for XXXX BOA? 
You are a disgrace!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Report # XXXX Dob XX/XX/XXXX I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. <P/>The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible HARD INQUIRIES XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX, Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX , XXXX. Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX Please remove these inquiries from my credit report immediately. Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm having a hard time understanding how both Equifax and XXXX are violating the FCRA by not blocking these XXXX accounts within 4 business days after the receipt of my letters. I wrote last month letting them know that I 'm a victim of identity theft and that I require these items to be blocked and removed immediately and absolutely nothing happened! I sent my letter, identification, affidavit and police report and it makes no sense to me how they can just disregard this information! 

The account I 'm disputing with Equifax is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Negative info is about an account with XXXX which I never open never asked and never sign a contract with them and I never used their service. The amount is $ XXXXXXXX negative is about an utility bill for {$68.00} for a rental that I never received and I payed after I find this in my credit report.Ater the payment I ask the collection agency to change the info in the credit report and mention that was a mistake as a result of miscommunication. 
They refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The American Express office in Arizona called my neighbors in Texas, XXXX mother in Missouri, my daughter in Texas, my daughter in Illinois and my wife 's employer about payment. These phone numbers were illegal obtained and no permission was given to AMEX to contact these people and state there were attempting to contact my wife or myself. Contacted me after I asked not to and Contacted my wife 's employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 01-01-2018 about Payday loan, title loan, or personal loan (Installment loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Problem when making payments

Complaint: I am a cosigner on a loan with my son at USAA. The loan was for a {$67000.00} signature loan taken out in XX/XX/XXXX. At all times during this loan, payments were always made on time. 

On XX/XX/XXXX, my son ( one of the applicants on the loan ) filed for bankruptcy. However, my ex wife and myself did not ( co-applicants on the account ). So according to the loan agreement, I am still responsible for the payment of this loan. I did not file for bankruptcy. After the bankruptcy was filed, USAA charged the account off and reported the account as a charge off to my credit report. This action dropped my credit score over 150 points. At the time this loan was charged off, the account was current. It is also noteworthy to mention that USAA took a payment on XX/XX/XXXX and subsequently returned it to my son. USAA never notified me that one of the applicants filed for bankruptcy and they never gave me an opportunity to make payments on the loan. 

USAA is damaging my credit report by reporting this account as charged off. They charged the account off while it was current. Furthermore, a bankruptcy filing by one of the three applicants on the loan should not negatively affect the credit of the other two non-filing applicants, especially when payments have been made on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Debt collection (Medical) with I.C. System, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: IC Systems has regularly and consistently called my phone number with the intent to harass or annoy. Calls are placed using an auto dialer and I when I answer the call is disconnected. Even though I have repeatedly announced that I am on the line and can hear agents typing, talking and laughing, the call is always disconnected by IC Systems. No matter how many times I have answered the call they continue to hang up. 

Additionally, when IC Systems first contacted me via mail about this bill, I responded by calling and letting them know this debt was disputed with XXXX Hospital and was under a Quality of Care review. The hospitals administration has admitted that the care received was not up to standards, including potential exposure to XXXX and XXXX due to staff failing to properly follow equipment sterilization processes, repeated lost XXXX and failure to be seen by a physician ; ultimately resulting in my leaving the hospital without care. A review of my file with the hospital administration showed it was hours before the hospital and staff realized I had left without being seen or discharged. 

I am asking IC Systems to cease contacting me and return the debt to XXXX Hospital to be forgiven. I do not feel like I should pay for substandard services that potentially endangered my life. I am also requesting this item to be suppressed and deleted from my credit bureau 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 12/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had outstanding state taxes due to the Georgia Department of Revenue ( GDR ). I ( through my attorney ) did an offer and compromise to settle all of my outstanding taxes. I received a stamped release from the GDR. The Trans unioin credit bureau is telling me they do n't take off tax liens even if they were paid. I 'm attaching the Georgia State Tax Lien Executions, stamped, signed, and date XXXX XXXX, 2016, stating the {$1500.00}, has been paid, satisfied and ordered cancelled from record. I 'm attaching my Transition Credit Report for you to see it is still being reported. When I spoke with them, I was told nothing can be done.

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