milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted Bank of America regarding a fraud account I saw on my credit report. They stated that there was a " balance transfer '' to an account in my credit report, therefore saying that I am responsible for it. That other account has been now removed from my credit report because that was also a fraud account opened under my name. 
I have been in contact with Bank of America for the past several months, it is not my account, I have never opened this account, I would like this fraud and innacaraute information to be removed from my report pursuant to Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) Account name BANK OF AMERICA Account number XXXX .... 
Recent balance {$12000.00} as of XX/XX/XXXX Date openedXX/XX/XXXX Status Account charged off. {$12000.00} written off. {$12000.00} past due as ofXX/XX/XXXX. 
In dispute XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA On record untilXX/XX/XXXX Credit limit or original amount {$12000.00} High balance {$12000.00} Monthly payment {$0.00} Recent payment amount {$0.00} Date of statusXX/XX/XXXX First reportedXX/XX/XXXX Responsibility Individual Comment Account closed at credit grantor 's request. 
Reinvestigation information This item remained unchanged from our processing of your dispute 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 07/21/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Managing, opening, or closing account

Complaint: Irecieved a consumer credit report claiming I was denied for AMEX serve card. upon contacting American Express I was informed that I was approved and there should be no reason on any file to deny my Request since the Credit Company itself did not deny me access.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (UT).
Issue: Closing on a mortgage

Complaint: I have been contacting XXXX XXXX sine XX/XX/XXXX I was final advised that an older will had been provided by one of my siblings. This plus the proof a appointment as personal representative. As of XX/XX/XXXX they still have not accepted the court forms from the Utah State First District Court.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (Auto) with HONOR FINANCE, LLC (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have already made payment arrangements, i still got calls from XXXX different agent telling that i only need to talk to them when i call back to make payment. They have call me and text me before XXXX. Everyday after making my arrangements

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Mortgage (Other mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I requested and received a mortgage payoff statement from Merrill Lynch. The instructions on the payoff letter noted payment could be made by cashier 's check or wire transfer from a bank. My bank ( Bank of America, which owns Merrill Lynch ) allows me to make wire transfers directly, using Bank of America 's website -- I am attaching the online wire transfer form I used, for reference. I transferred the full loan repayment amount to the account indicated in the payoff letter ( a XXXX XXXX account ) before the payment deadline. Merrill Lynch/XXXX XXXX held those funds for 13 days and then reversed the transfer, returning the funds to my bank account. No reason was given as to why the monies were returned. In the interval between their receipt of the loan payoff funds and their returning those funds, Merrill Lynch charged me an additional month 's interest. 
I spoke with a representative of Merrill Lynch 's mortgage division and also with her supervisor ( XXXX XXXX, who is based in the Merrill Lynch 's home branch in New Jersey ) and they could n't explain why my loan payment was reversed except to say that the " wire transfer '' mechanism indicated in the payoff letter was different from the " wire transfer '' mechanism ( so-called by Bank of America ) that I used. Merrill Lynch is part of the Bank of America Corporation. From a consumer perspective, I have no way of distinguishing why XXXX divisions of my own bank would define " wire transfer '' differently -- nor can I understand why I would be expected to distinguish between their evidently disparate uses of this term. Ultimately, I paid off my loan according to the instructions in the payoff letter and now I 'm being charged an additional 6 weeks of interest for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/XXXX I sent this company a letter asking them to delete a account showing that I owed a company XXXX I. Paid this debt of in XXXX and they refuse the incorrect info

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This has been a reoccurring problem I have had with Chase. On XXXX XXXX, 2017 my credit was ran once again without my knowledge/permission with a fraudulent application. I spoke to Chase and they only removed the prior fraudulent inquires not this most recent one. This is now the 4th time someone has attempted to get a Chase/Amazon card in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a Federal Student Loan and a Parent Plus Student Loan. 
When My son Graduated from College he could n't find a job. 
I have been supporting my son. 
I am employed. I have tried over and over again to pay these loans. Every time I receive an e-mail and they Navient tell me what I have to pay, when I call to make the payment is it always 99 % of the time a different amount than they sent in the email or on the payment slips mailed to me. I have been on the phone for hours trying to get this straight. 
Everyone tells me something different. Whether they are in XXXX or the US it is never the same. I made a payment XX/XX/XXXX for {$330.00} for XXXX loans as instructed and today they told me I did n't pay on XXXX of the loans. And could not tell me what was going on in my account. They asked me to fax proof of my payment. 
I had to request an Administrative Review in XX/XX/XXXX to the XXXX. They said I did not pay but I did pay XX/XX/XXXX. 
Then they sent me an approval for a forbearance XX/XX/XXXX 
When I called no one knew what i was talking about. 
on my credit they have so many late and XXXX loans with Navient. I have XXXX not XXXX. 
All of the late they have listed is not true. When I call to make a payment they always have a totally different amount than what they told me to pay. Not some time but always.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing information on my credit report with equifax , XXXX and XXXX in regards to identity theft. I have contacted them directly as well as the account that was opened fraudentaly in my name. ( XXXX ) ... ..They refuse to delete this information off my report. They just keep saying they have verified it is mine. I have written letters made phone calls ... .etc and getting no where. I feel the credit reporting agency 's are not doing a complete investigation. Having someone use my name and open up a credit card for this department store is negatively affecting my credit score. I am also being penalized for something I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (I do not know) with Sequium Asset Solutions, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Receiving automated/robocalls from XXXX onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Went to voicemail and automated call left a message saying they are Sequim Asset Solutions, LLC ( might be mispelled ) and they are trying to collect a debt. The first part of the message is cut-off so do not know who they are trying to contact so they could be trying to contact someone else since the number is somewhat new. I have never heard of the company and do not have any debts they could be calling to trying and collect on so it sounds like it could also be a scam to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Debt collection (Medical) with Account Services Collections, Inc (TX).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: On XXXX XXXX, I discovered an account from Account Services Collections on my credit reports. I contacted them and they agreed to remove this from my reports if I paid the account in full. I paid the account. They sent a receipt and a letter stating that they had requested it be removed from my XXXX, XXXX and XXXX reports. It has not been removed from either XXXX or XXXX as of XXXX XXXX, I disputed the account with XXXX and Account Services Collection verified the account and updated the account to " Paid ''. This was not what was agreed upon. 

They have used false and misleading statements in order to get me to pay this account in violation of the FDCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Medical debt) with First Federal Credit Control (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I went to XXXX XXXX for an exam. I was told on the phone prior to coming in and while I was at the office in the exam chair that the exam fee would be waived if I were to have the XXXX XXXX done on the same day. So I agreed to have the procedure done while I was there because I could afford to have it done without the fee. But after I had the XXXX XXXX done I received a bill in the mail from XXXX XXXX that was for the exam fee. Apparently they had billed my insurance for the fee without my permission or knowledge and it was rejected so they tried to bill me. I immediately disputed this with the office but they called me a liar and refused to drop the bill and in fact contacted my other insurance company and tried to get them to cover it. I also filed for chapter XXXX bankruptcy and since they would not agree to honor their original deal for no exam fee I was left with no choice but to include this debt in my bankruptcy which was XXXX. please see attached files. XXXX XXXX continues to try to collect this debt and has now sent it to a collection company after they were informed it was discharged.The collection company is now threatening to report this to my credit if they have n't already done so. During the bankruptcy, this debt was never disputed by XXXX and they did not show at the meeting of creditors. I find it rather unnerving for a doctors office to be doing " extra billing '' behind patients backs. I trusted Advanced office staff to be truthful with me, I know what I was told and they went and did the opposite of what they said they would do.It is their mistake so they need to own up to it and not attack me and my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Credit card () with DISCOVER BANK (IN).
Issue: APR or interest rate

Complaint: Discover card interest rates. 
I recently was laid off from my job of the last 7 years. The issue is with the fact that I contacted them and told them my situation. They were okay at XXXX but now they are demanding access to my checking account to make automatic withdrawals. I told them repeatedly that my income is only $ XXXX/week. They want all of it. I refused. After this, I took a look at the last 2.5 years of statements and saw that had only XXXX late charge ( XX/XX/2014 ), they never lowered my rate under 19.99 %. In XX/XX/2014 my rate was jacked up to the default of XXXX and never lowered. 
I also inquired about getting a refund on interest charges and they also refused.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (Payday loan debt) with BlueChip Financial (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: XXXX XXXX XXXX keeps calling me on behalf of Spot Loan - www.spotloan.com. They call me constantly, threatening to sue and place a judgement against me. I have voice mails and they keep saying they are going to send legal documentation through a carrier and place a judgement against me. The phone number is XXXX and he claims his name is XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Medical) with LANIER COLLECTIONS AGENCY AND SERVICES INC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I visited XXXX XXXX XXXX in XXXX, GA in XXXX of XXXX. I updated my Medical Insurance information on the computer and returned it to the receptionist. She did not enter the new insurance company and so my information went to XXXX XXXX XXXX XXXX instead of XXXX. This is when problems began. I then in XXXX received a bill for {$930.00} for lab work. I immediately called the billing department and spoke with XXXX who seemed knowledgeable. I told her I was not paying on this bill until I got a proper bill from them. She agreed and said she would note. Then after that at I received a bill and starting paying on it. It took about 3 months before they rebilled me. I made payments and have records of every single bill I paid. I missed maybe two payments because of a death in my family and the fact that they did not always send me a monthly bill. I had unexpected bills from the funeral. So I made a payment on XXXX XXXX over the phone with the billing department for {$50.00}. I asked the lady if I could pay it in full and get them to reduce the bill. She said let me check, after about a 5 minute hold she returned saying yes but it would be {$590.00} to pay if off. That was {$120.00} more than the actual bill. I said well I will continue to pay the {$50.00} a month. The next week I get a bill from LCA collection agency. I called XXXX and asked why the lady in billing did n't say anything to me on XXXX XXXX, XXXX when making the payment. No answer. Just simply stated that was nothing they could do. I beg for some compassion and mercy. My house had been hit by Hurricane XXXX and is not live able and still after a 109 days I am still not back in my house. I would like to know why they charge interest on a medical bill. No other Dr. that I see does that not even the hospitals in this area. Also, they claimed they sent out a bill stating I was going to be turned over to a collection agency and I told them I never did. It then took them 12 days to send me XXXX. I have gone to their website and read there reviews and I am not the only XXXX. I simply needed a little kindness. I guess that does n't exist in this world anymore. Please help in anyway possible and if you ca n't help me at least make sure this does n't happen to anyone else who sees XXXX of these Doctors at XXXX in XXXX, GA

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Money transfer, virtual currency, or money service (Virtual currency) with JPMORGAN CHASE & CO. (OH).
Issue: Other service problem

Complaint: I 'm doing this thing with active hours and my bank. chase is not sending stuff on a timely matter my account is not being processed properly my bank is located on XXXX XXXX in XXXX  ohio it takes a couple of days to process stuff like sending my info or depositing money into account

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Borrower requested a payoff statement from Citibank on her Home Equity Line of Credit and was not provided with a payoff statement within a reasonable amount of time. The excuse is that the HELOC was in default. But the fact is that there is never a late payment on this lien. I was in default on the first mortgage and Citibank automatically put my HELOC in default. I actually paid off the first loan on XXXX/XXXX/2015. So there is no default on any loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2018 about Mortgage (VA mortgage) with OCMBC, Inc (AZ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I received a solicitation for a VA loan that looked like a bill, marked " Final Notice. '' First, I 'm not a veteran and not elligible for a VA loan, nor do I have a VA loan, yet this was on the letter : " As a VA loan holder, the XXXX XXXX XXXX XXXX XXXX XXXX allows you to combine your mortrgage and other debt PLUS get an additional {$32000.00} cash in hand for a new principal and interest payment of {$150.00} per month. 

We 've done our homework. You already have what it takes to qualify. '' etc etc ... 

This came from XXXX XXXX OCMBC , Inc. Licensed in CA XXXX, CA Mortgage Lender XXXX and NMLS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Consumer Loan (Installment loan) with STERLING JEWELERS, INC. (NY).
Issue: Problems when you are unable to pay

Complaint: The attached company claims that the account will be removed on all pertinent credit reports XXXX XXXX. I stipulate that the account was opened in XXXX, that it went into default the same year, was eventually paid in full in XXXX, and that the company in question still not only maintains a balance of {$1500.00}, but that the account if legal would show a XXXX balance. My dispute was challenged and a copy of the XXXX XXXX result is attached, with virtually no response or required documentation to maintain a negative trade line on my personal credit report. The item needs to be deleted as mandated under the 84-month rule with the Fair Credit Reporting Act. The Consumer Financial Protection Bureau, as mandated under Dodd-Frank has taken up consumer rights where FCRA and Fair Debt Collection Practices Act consumer rights are being violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This was a result from a XXXX service that I did not received in XX/XX/XXXX while I was XXXX. I had paid over {$400.00} regarding the service I did not get & disputed this issue with XXXX repeadly while I was XXXX. Then two years later in XX/XX/XXXX I get the harassing phone calls and mail claiming that I owe this collection agency over {$700.00} and they asked for documents I could not provide. I physically went back to the XXXX store in XXXX, Ga where I originally purchased the phone but they claimed that they no longer have any documents regarding my transactions with them and apologized for the failed service. The collection agency repeatedly kept asking for proof of purchase that the XXXX store can not provide. I paid for a service I did not get and should not have to pay or owe this collection agency anything.

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

Complaint: Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors.
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (I do not know) with ERC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: In two separate instances, this company has contacted my minor child. Latest attempt was XXXX/XXXX/2016.

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 04/18/2015 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Late fee

Complaint: I am concerned that Lowes credit card is misrepresenting their terms and late fees! In my telephone inquiry, regarding a late fee, I was told " the government allows us to charge a late fee after XXXX days of issuing a statement. '' I asked what their billing cycle is and was told it is XXXX days. How can a due date be XXXX days on a XXXX billing cycle? In reviewing my current statement date XXXX/XXXX/15, which I received on the XXXX ( XXXX days? ), It had a purchase dated XXXX/XXXX/15 on it. due date XXXX/XXXX/15. There is no postmark on there postmark on their envelope to verify when it is mailed, XXXX days is longer than most deliveries. I believe their intention is to leave a very short time to respond to the statement, thereby increasing there ability to charge late fees. 
XXXX

Company response to consumer: Closed with explanation