milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2018, I contacted XXXX XXXX XXXX and XXXX of XXXX XXXX dealership to apply for a car loan. The salesman at XXXX dealership said he was going to get me approved at XXXX XXXX which he did. Then he called me on XX/XX/XXXX and said that the bank made a mistake and I would have to put down {$20000.00} instead of {$10000.00} for them to reapprove the loan. And the XXXX inquiry on XX/XX/XXXX is not valid and should be removed. These below inquires should be removed based off Section 604 of the Fair Credit Reporting Act Section 604 - This section is about the situations in which consumer reporting agencies may provide a consumer report. These situations are also called the " Permissible Purposes '' to obtain a report. The section also lists some purposes where a consumer report may not obtain a report, e.g. marketing, curiosity, law enforcement NOT VALID XXXX  XXXX XXXX obtained a copy of your EXPERIAN Credit Report. 
XX/XX/2018 XXXX XXXX XXXX obtained a copy of your EXPERIAN Credit Report. 
XX/XX/2018 2018

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 12-01-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Account opening, closing, or management

Complaint: My sister and I have banked with Bank of America for more than 5 years. We have never missed a payment, over drafted, or wrote any fraudulent checks when XXXX XXXX, 2015 they froze both of our accounts without sending us a letter or notification online. When we phoned them to find out what 's going on they told us both in person and on the phone it was a business decision and that they did n't have to give a reason for freezing our accounts. We 've sent in requests to have our funds released to us but all of them have been denied. We just got a letter in the mail stating the number of our accounts they have frozen along with saying they wo n't be returning any available funds. This has never happened to us before as we have never done anything for them to just freeze our accounts without telling us let alone not giving us reason why they wo n't release our money. While it was inconvenient to do this before the holiday 's and upcoming bills, now all we want is our money back then we will never do business with them again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian will not allow me access to dispute my credit report online

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 03/23/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I sent a request for debt validation back in 2015. I asked them to only communicate with me by mail. Since then i have not received notice by mail of the information. The only information I have had for them up til now is the address that is on my credit report which must be inaccurate because the letters have come back as returned, or not answered at all. How is legal for them to list a host of inaccuracies on my credit report up to and then not validate/ verify their debt and that they have a legal right to collect it. How do i know that if i were to pay this it wouldnt just get returned as my requests for relief and further information have or that it wont just be sold to another debt collector who will do the same things they have further tarnishing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: we leased a Fiat 500E for over 20 months on a XXXX lease, and decided to terminate the lease early. We than were told be Chrysler Capital that our final bill was more than XXXX, which is more than half the price of a new car. 

here 's detail : Prior to the termination of a 36-month lease at the XXXX month, a customer service person of Chrysler Capital informed me through telephone consultation on XX/XX/XXXX that, for the early termination they would charge me approximately USD XXXX as an early termination fee in addition of the normal end of lease termination fee. It was based on this information that I decided to terminate the lease and consequently returned the car to XXXX on XXXX XXXX. 

On XXXX XXXX, I received a written notice from Chrysler Capital that the total amount for the early termination was {$27000.00}, subject to a final bill ( XXXX ). Out of shock, I called their customer services hotline immediately. To my aghast, their representative denied the early conversation that I mentioned above. 

In any event, the amount of {$27000.00} as the charges for the early termination is preposterously outrageous. It is almost as much as the price of a new car of the same specification. 

The next day, I called your company again, requesting a copy of all documents in support of your claim. Only after about 2 weeks did I receive a scan copy of a contract that was completely illegible : XXXX pages that were originally printed on XXXX paper were now squeezed into only XXXX page. 

Despite of my repeated requests of a copy of the normal or legible size of the contract and your customer service representatives ' consent to do so. After almost 2 month, I finally got the final bill and scan of the contract. 



I also attached a pdf of our lease payment statement.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I was living in XXXX XXXX OH for 3 years. I have moved out to new location. after few days settlement charges are sent. It was {$710.00}, an unbelievable high charge. one of the item that an electric stove was asking {$480.00} dollars by saying reason that spoiled by me. Actually I used to cook at last day also there. I opened top cover to cleanup before moving out. the new similar stove in market is {$350.00}, also apartment given me old stove that have an appraisal value of {$150.00}. 

I did a party at leasing office and management not given deposit money they agreed to give back after party. the reason saying that candle wax melted and spread over there. it was a XXXX yesr child birthday party we used a cigarette size XXXX candle that is not sufficent to fill entire area. any way money is not returned back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

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 09/21/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello, As I was looking at my XXXX Credit report, I found that Southwest Credit Systems was listed. I had never heard of this company and did not know why it was on my credit report. It was sometime that I realized that it was a collection agency I guess hired to collect on a old XXXX XXXX bill. It was then that I realized that I had already paid this old bill off directly to XXXX XXXX and that is why I was able to renew internet services from XXXX XXXX, which is not XXXX. I had NEVER received anything from this company and do not understand why thy are being allowed to place this old and already paid collection on my credit file. I have never had any dealings with this company. 

Back in XXXX I submitted a debt validation to XXXX and several additional times over the course of the last few months have requested verification of any dealing with this company. as stated before, I had already paid this bill Directly to XXXX XXXX. This company continues to have this on my record even though they are fully aware I ahve had not contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: THE ACCOUNT IS NOT SHOWING ALL PERTINENT INFORMATION ON " CLOSED DATE '' AND " LIMIT '' .THE ACCOUNT IS SHOWING INACCURATE " LATE PAY '' DATES.

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 10-11-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian placed a credit inquiry on my report with out documenting the information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: please find attached the letter from the creditor Nissan Infiniti, for which they have approved to remove the late negative from my credit report. 
i have already provided this letter to XXXX and XXXX. 
XXXX does not cooperate and has not removed the late yet, please help me to remove this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my credit and I noticed that there were some incorrect items on my report, I have been contacting them since  XXXX . They have still not responded to my request

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2015 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I changed accounts from which my driect debt was to be processed. XXXX processed the payment from my old account which caused an overdraft fee and a hit against me through XXXX. When I called them to rectify the problem I had to do the leg work to fix the issue. When asked to fix the problem with XXXX they did not believe me when I said that it would affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Struggling to pay mortgage

Complaint: In XXXX, I applied for and completed a loan modification through Bank of America Home loans servicing. I have made numerous calls to have my questions answered about where the non-interest bearing principal balance of {$24000.00} came from but have not received any answers and have been given " the run around '' all I want is a clear breakdown of charges.

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 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX is reporting that a payment was made in XX/XX/XXXX. This account was included in our Bakruptcy Discharge XX/XX/XXXX. No payments were made after that. Therefore, The information on my Credit report is incorrect. This account information schould be removed from my information the only info listed schould be, Account Closed

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I have called capital  one  3 times requesting that my account be taken off of the hold and deleted from my record. They 're saying that they ca n't do that because of the hold. I have  XXXX  refund trying to go through, but it ca n't as it 's frozen. That refund would have covered the {$74.00} in negative balance. I have a police report attached stating that this has to be done or the criminal would have more access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Trouble during payment process

Complaint: My property was damaged in a storm on  X/XX/2017   . Bank of America required us to get them to endorse the insurance check, which is normal policy for most institutions. The endorsed insurance check, required contractor information, and insurance estimate were sent via overnight mail to B of A on  X/XX/2017    and an overnight return envelope with postage paid was provided for rush requests, per the instructions on their website. I have called on numerous occasions and I am always told that they are working on it. Today,  X/X/2017   , I was told that the " first {$20000.00} was released on  X/XX/2017    '' but that the remainder of the funds will not be released to us until they get my contractor set up as a vendor. The expected date for that is  X/XX/2017   .  <P/> As of today,  X/X/2017   , I still do n't have the funds that were supposedly released and once they are received, the paper check will require over a week to clear, even though I asked that they direct deposit the funds so I can get the repairs started. The delays in this process could be causing additional damage to my home, which will definitely cause unnecessary hardship for our family. Please let me know what can be done to get this process fixed. I have never seen an institution hold funds for this amount of time, when there is work on a property that has to 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 monetary relief
Consumer complaint received 03/26/2015 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (IL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, and XXXX XXXX, homeowners, with assistance of the XXXX XXXX XXXX XXXX 's XXXX XXXX, is herein filing complaint against PHH Mortgage Services, our first ( Loan # XXXX ), and second ( Loan # XXXX ) home mortgages lender/representative ( s ). Since XXXX 2014 PHH, its employees, agents, representatives, and/or consigns, on its behalf, is negligent in its conduct and is engaged in a practice of serial omissions and repeated failures, to subvert fair and equitable services rendered in response to a hardship affidavit, submitted for relief through the HAMP, Forbearance or HELOC Refinance Programs. We, along with XXXX XXXX, are complaining PHH is engaging in unfair practices, resulting in preventable injury, financial and personal disparagement ; and PHH is also in violation of the federal programs ' fair standards and practices guidelines, and rules of conduct, by engaging in deliberate acts of harassment, causing undue emotional distress. 

We claim PHH engaged in unfair practices by failing to appreciate or attempting to foresee injurious or harmful events, when informed by us through repeated formal application ( s ) declaring our financial condition, and took no action to mitigate or prevent injury by their refusal and/or negligence in employment of relief available through HAMP or HELOC Refinance Program ( s ) available. Furthermore, we assert PHH omitted application of an accurate Debt Ratio assessment to derive a realistic Modification Trial Plan to mitigate potential loss, against more equitable modifications available, is a denial of due process. PHH 's actions in production of XXXX separate modification offerings are inconsistent with the express federal guideline principles and practices, to facilitate equitable outcomes, and thereby represent a violation. 

We claim PHH is negligent in their assessment of our ability to comply with the terms of progressively unfavorable Modification Trial Plans offered, on XXXX ( XXXX ) separate occasions, along with intent to engender disparagement and emotional distress by consistently employing despicable tactics of delay and harassment : repeatedly phoning our personal contact numbers, remaining silent and unresponsive despite repeated requests for response, then terminating call ( s ) without answer ; and PHH endlessly requests submission of the same documentation we repeatedly send, claim they were not received, or they do not possess them. Then, upon acknowledging receipt of documentation requested, they ignore the content in creating modification trial plans providing no realistic possibility of relief from inevitable foreclosure by the offers.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: Hello, I opened a checking account with Citibank online on XX/XX/2016. The account is a citigold and I opened it online and used a promotional code to receive XXXX XXXX miles. I had to meet certain spending and payment requirements within three months, which I did. When I opened the account online I used this promotional code XXXX, which was then confirmed as valid. Three months later, I followed up via chat online with a representative of Citibank who confirmed that I was eligible for the promotion. XX/XX/XXXX I sent a secure message to citibank to follow up on the promotion as I had already waited 90 days since meeting the requirements and no miles were posted to my account. The reply to that message as that I was not eligible for the promotion. Thus I am following up with a complaint to the consumer finance protection bureau as I believe Citibank misled the potential consumers. 
I have participated in many other promotions online for finance institutions and when I was not eligible for a specific promotion, the system would let me know as I was taking steps to open an account. Citibank 's actions are not acceptable as I spent time and money to open the account, invest funds, set up payments, follow up on the promotion, with contradicting messages from the representatives. 
Thank you, 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 06/22/2016 about Student loan (Non-federal student loan) with KEYCORP (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have contacted Key Bank uncountable occasions after discovering a the same one account listed three times on each of my credit reports. I informed them that I did not have a loan with them and they indicated I had one with XXXX XXXX. Well, XXXX owned up to saying that the loan is hers, which I attached the letter in which she sent on several occassions. Well, a XXXX XXXX XXXX indicated they would give liability to XXXX XXXX, my daughter if I could provide documentation with my signature from 2007 which I do not have. I think that is not practical for you to ask me for a signature from almost 10 years ago in which my signature is on the domicile, that I provided for you. The only thing that I can do is contact my mortgage company to see if they have it in their archive which is ridiculous. I understand that XXXX XXXX is doing her job but I think that I have more than proven I am not liable. As you know from when I first found out I have been back and forth with this organization and that is because I have no ownership in regards to this loan. Please, also know that this has played a massive impact on my relationship with my daughter, I should not have to be going through this. I know and understand that my daughter was extremely wrong in signing my name, but what this organization is taking me through, I am feeling victimized over and over. I have provided the letter from XXXX XXXX who is taking full responsibility. I have provided my domicile which has my signature and I was trying to demonstrate that during the origination of this loan, I lived at XXXX XXXX XXXX XXXX, XXXX, FL and then when I found out about it, I was living at XXXX XXXX XXXX XXXX, XXXX XXXX, FL, to demonstrate that I would n't have known anything about the loan. Between the XXXX address I have been residing in XXXX XXXX almost 20 years or more actually. I do not deserve to keep going through this. I am asking once again to please release me of liability.

Company response to consumer: Closed with explanation