milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2015 about Debt collection (I do not know) with Solutions To Portfolios, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Someone named XXXX XXXX keeps calling my cell phone & my place of work. When asked what it 's regarding she says it 's a legal matter, when told I 'm not at work she harasses my coworkers saying " what does that mean?, what do you mean she 's not at work '' Multiple times, and they tell my coworkers it 's a legal matter attached to my social security #. If I do n't call legal action will be taken. I have no idea what this is in regards to, when I looked up the company STP processing they are not accredited by the XXXX and have a false address. I would like these calls to stop, it is harassing me at my place of work and embarrassing when I have no idea what it 's about. They call from XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Closing/Cancelling account

Complaint: In XXXX, without notice, Bank of America force closed XXXX of my accounts without any notifications, reason, or consent. When I asked them for a reason, they said I would receive mail detailing the reason ( which I have not received ). They did not tell me I still had a {$25.00} balance on one of them. 

Fast forward today, I noticed a derogatory mark on my XXXX report. I called into Bank of America today asking why there was a derogatory mark on my credit report. They initially claimed it was because I failed to make payments for 60 days. When I pressed with information that it was closed in XXXX, they claimed it was closed without my consent for some " internal reasons. '' The account was set up to auto-pay {$25.00} each month until the balance reached XXXX. After running my second to last payment in XXXX, they closed the account with {$25.00} remaining and provided no way for me to see what account was closed, what balance remained, and any methods to pay off the remaining balance. 

Bank of America offered to submit a form to expunge this record from my XXXX report, but stated that because it was in collections, I could not pay off the {$25.00} to BoA but instead needed to go through XXXX to find the collection agency and pay off the balance there. I called XXXX to file a dispute of the record and find the collection agency responsible for the {$25.00} debt. XXXX claimed that the balance was not in collections. 

Lo and behold, Bank of America also failed to notify me that they reported the " delinquency '' to XXXX as well. Now I am not sure if they reported it to XXXX or any other agencies. After spending an hour with XXXX to dispute the mark, I found it ridiculous that I had to clean up Bank of America 's mess. This should be Bank of America 's responsibility to clean up the mess they caused. They intentionally harmed my credit report and provided no means to settle the remaining balance, which I could happily do right now. 

I am in the process of purchasing a house and Bank of America is costing me both opportunity costs and higher interest rates as a result of their mistake. Please CFPB, set Bank of America straight.

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 07-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Nearly two years ago, I worked with Synchrony Bank regarding an issue with my Banana Republic card. I had contacted Synchrony to close my card and visited Banana Republic in store, but was told multiple times that I had a {$10.00} credit on the account by sales associates and the bank and encouraged to keep it open. This {$10.00} credit was rewarded credit earned through purchases on the account. <P/>
As a result, I was quite surprised to learn in XX/XX/XXXX 2014 that I had a delinquency on my credit report. The total amount charged on the account in question was {$3.00}. I still had a {$10.00} credit on the account which was not applied and did not reduce the balance, which should have been XXXX. After interest and fees, I paid {$16.00} and was told that Synchrony bank would rescind the delinquencies from my credit report. <P/>Unfortunately, I recently reviewed my credit report and found the amount was still there. This has negatively impacted my credit by over 100 points. Prior to this incident, I had paid my card on time and have had no other issues with this card or any other credit card that I have ever owned. I also never received my {$10.00} credit. <P/>I believe that this error has caused undue hardship and has been inappropriately assigned to my 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 12/31/2016 about Credit card () with WELLS FARGO & COMPANY (DC).
Issue: Payoff process

Complaint: I took advantage of a 15 month 0 % balance transfer offer on my Wells Fargo Visa credit card XX/XX/2016, since then the balance on my card is split between the 0 % APR and the regular 22.24 % APR. Prior to accepting the balance transfer, I inquired about how payments will be applied to the credit card account, with the goal of paying off the balance with the higher interest rate as soon as possible. All representatives from Wells Fargo credit card phone customer center have informed me that payments above the monthly minimum payment will be applied to the higher balance first. That held true for payments made through XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX, as I got close to paying off the balance at the higher interest rate, more and more of my payments were diverted to the balance at 0 %. Over {$750.00} of payments have been applied to the higher interest rate and there 's still a balance that is assessed interest every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have account on my report with Equifax. I called and spoke with both XXXX and XXXX and they did their research and removed this account from my report. Equifax on the other hand has not removed it from my report. I would like this account from XXXX XXXX (? ) removed from my report from Equifax. SOL has expired in the home state of this said debt of Illinois. ( 5 years ) and I do not understand why it is such a problem for Equifax to follow suit with the other 2 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are inquiries on my credit that I did not authorize I am a victim of identity theft and need these removed this has been so much trouble and problems for 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 10/15/2016 about Debt collection (Medical) with Professional Recovery Management (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This account was paid in full before being sent to a debt collector. 
It is still showing up on my credit report as a derogatory account of {$9.00}, and has for the last 3 years. It should be removed from my credit report, since all agree that it is not owed.

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 02/18/2017 about Prepaid card (Other special purpose card) with CITIBANK, N.A. (WI).
Issue: Managing, opening, or closing account

Complaint: I had purchased a set of XXXX Good Year tires for my car from XXXX XXXX dealership in XXXX WI. At the time XXXX or XXXX XXXX was offering a {$100.00} rebate for the purchase of a set of tires. Good Year was also offering an {$80.00} rebate for the particular tire I purchased. The same rebate would have been {$160.00} if I had used my Good Year credit card to pay for the tires. XXXX XXXX XXXX XXXX XXXX purchased a prepaid credit card from Citi to put this {$100.00} rebate on. Good Year had also purchased a Citi prepaid card for {$80.00}. After receiving the cards I had misplaced them and thought they were lost. I could n't report them lost to Citi because I did not have the card numbers. I found the cards a week or so ago but they had expired. I contacted the Citi number on the back of the card and was told that the entire money balance on the card was forfeited to the bank on the expiration date. They refused to extend the expiration date or issue a replacement card. I was told that a lost card had to be reported within 60 days. The card purchased by Good Year had expired XXXX so I was reporting within 60 days of expiration and they still refused to issue a replacement for that card.

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 04/13/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with Bank of America late last week while reviewing an incentive offer for {$100.00} when XXXX {$250.00} deposits are made into the account. I chatted with a representative yesterday to confirm the offer was there but they said there was no offer on my account. The representative I chatted with while I opened my account last week confirmed it was there, so I do n't know who has the incorrect information. Want to get this resolved before it 's too late.

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 05/27/2016 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian has been notified that a judgement against XXXX XXXX XXXX had been satisfied on XXXX XXXX yet still remained on my credit report dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. My credit score over the past 3 years has adversely affected my this Company 's ( unknown reasons ) lack of attention to this matter. Please help! 
See attached satisfaction reference file # XXXX I discovered that bureau 's are reporting my credit accounts and personal history that date back 31 years. Is this legal?

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 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When I transfered jobs to the public sector, I called XXXX/Navient to see about Public Service Loan Forgiveness. I was n't sure if my loans qualified and if my job would qualify. After a few frustrating phone calls in 2013, I never received complete information. I was told I could consolidate my loans and then " see '' if my job qualified. It was posed to me as if it were a gamble. I wanted a definitive answer before going through the process of consolidating my loans and possibly having a higher interest rate overall. Unfortunately, I had to go through several people who were not affiliated with Navient to find out that I did qualify, and that I should consolidate my loans. The process was NOT easy. I am in XXXX, so I was able to find a counselor on campus who could help me. This is not his job. He is my colleague, not my financial planner. It is Navient 's job to train their employees well enough to answer these types of questions for " customers '' or students. Other borrowers are not fortunate enough to have resources and information at their disposal. I lost out on almost 3 years of PSLF because of the run-around.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/2016 all of my inquiries were deleted. I logged in today and now they are back and my credit score has gone down

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 10/27/2017 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: Credit inquiries on your report that you don't recognize

Complaint: Hi I have been trying to call Equifax numerous times after reviewing my credit report and noticed several even duplicate credit inquires on my report. I get a very rude representative telling my there is nothing they can do! even after this big breach i have been getting more inquires that i never did. I called back again to speak with someone and nothing. I have sent letters to all 44 companies and have not gotten anything back form them and its been well past 45 days. I do n't think its right that our information was stolen and now we have to pay for it. I even put a fraud alert on my account to prevent this form happening. And I can not get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Auto debt) with Collins & Hilton Asset Group, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: They keep hitting my credit every 7 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I made payment plans with the XXXX and payments were being made as agreed. Therefore, to report the account as delinquent was a clear breach of agreement. Payments were being made as agreed at the relevant time period, thus, I dispute the validity of this debt. 
I respectfully request that PENNCREDIT CORP. cease and desist all collection action ( s ) until an investigation is completed per the validity of the debt as contained and described by the XXXX XXXX is ascertained and verified. 
Upon belief and information, this account has been paid in full as agreed by both parties. 
WHEREFORE, I request under the FAIR DEBT COLLECTION ACT ( 15 USC 1692 ) that XXXX XXXX & PENNCREDIT be subjected to provide all unpaid invoices and paid invoices in the account including a copy of the payment plans entered by both parties.Absent being in compliance of the 15 USC 1692, XXXX XXXX and its associate will be in clear violation of my Privacy Rights and may require me seeking recourse for punitive/compensatory damages, per gross negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: a representative of Midland credit management at XXXX XXXX has been making harrassing phone calls to XXXX XXXX regarding my debt. The debt has been charged off by XXXX XXXX the representative advised XXXX XXXX that XXXX XXXX is reporting it and so are they. My next step will to seek legal counsel regarding the practices of Midland Credit Management

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/22/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Dear CFPB, About 10 months ago I was a victim of identity theft and went through all required procedures to protect myself. I filed a police report and FTC affidavit and notified all XXXX credit bureaus who shared the information with each other for my protection. After 6 months of working with the police everything was back to normal. Since fraud alerts make every financial transaction regarding credit or employment very sensitive I sent official letters to each agency with my passport scan and social security card scan along with employment identification making an official request to have the fraud alerts and security freeze removed. To my surprise only the XXXX agency has complied. There is still a short statement on my XXXX report and lengthy comment on Experian with 90 day extension. The exact opposite of what I legally had requested removed under federal rights! I want these statements removed! Their inability to listen and follow instructions caused problems for me today during a particular transaction so this is it. I have attached a letter which was sent out in XX/XX/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 04-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been going back and forth for a few years with this collection agency who has been unable to validate the cause for said charges being collected on behalf of XXXX. I have disputed the collection with the credit bureaus more than XXXX with them being deleted due to no verification. I have made it very clear that the charges are not a valid amount and based on the current FTC cramming case, there is obvious proof that the collection balance is invalid. I have been validated as a customer involved in excessive cramming charged being added to my bill on multiple XXXX accounts. At this point, I would like COI to figure this XXXX out with their client.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Medical) with Credit Adjustments Inc (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible. 

Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : 1 ) Proof that your company has the right to collect the debt, such as a signed contract between collection agency and the original creditor, stating that this account has been purchased by your company, or a copy of the original invoice from the original creditor that states that this specific debt is the one your company has purchased from the original creditor 2 ) Original creditors full name and address 3 ) Date of last activity/payment, if any 4 ) Copy of the signed contract between the original creditor and me 5 ) The Full billing history of this account not a statement 6 ) Date your company purchased said debt 7 ) Amount you paid for said debt

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and I have unauthorized and fraudulent credit and collection accounts, and inquiries listed on my Equifax credit report. The following credit and collection accounts, and inquiries are fraudulent, unauthorized and do n't belong to me : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX., XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I disputed some items on my Credit Report with Equifax and they took more than the XXXX day required to Investigate. They received my dispute on XXXX/XXXX/2015 and did not complete the investigation until XXXX/XXXX/2015, which is beyond XXXX days. Per the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] They have to delete all items that I disputed. I called Equifax and spoke with XXXX and then XXXX who stated they will not delete the items and that they are in accordance to all FCRA rules. I 'm demanding all Items I disputed be deleted from my Credit Report Immediately. Pursuant to 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].

Company response to consumer: Closed with explanation