milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Bank of America sent me balance transfer checks to use up to the credit limit on the account of {$22000.00}. I took advantage of their offer. After they added all of their transfer fees they then reported to the credit agencies that I had exceeded my credit limit. My " very good '' rating immediately plunged  XXXX  points to " good ''.     I feel this is a deceptive banking practice.      1.  They should not allow me to go over my limit if they know the fees will push me over and kill my personal rating.      2.  They should more transparently disclose this issue to annyone taking advantage of their offers.     I called and talked to a representative named  XXXX  and then her supervisor called me. They basically relayed that this issue had been reviewed and the bank followed all policies so there was no error on their part.     I strongly disagree. Reporting that can so quickly destroy a very good credit rating so quickly over such an insignificant amount needs to be reviewed and addressed. The account was over the limit by {$52.00} out of a {$22000.00} credit line and was only over until I received my bill and paid it down as required the following month.

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 01/25/2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION ().
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I am owed XXXX dollars from capital one. I overpaid them and they sent me a check which I never cashed in time for the expiration. I have been chasing Capital one for 100 days and keep getting the run around as to where my check is. I have been told for two 30 day cycles that the check is in the mail, and that they overnighted a check and it was returned undeliverable. please help. the last person that they passed me off to was a XXXX XXXX at XXXX XXXX XXXX XXXX, her pin to enter her phone is XXXX, her extension is XXXX she is not taking my calls anymore. they had another person in an " executive '' office XXXX XXXX her pin to get through to her is XXXX, her extension is XXXX she is no longer taking my calls either. She does not like to be told she is incompetent and or not motivated at her job. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I filed a complaint against sunrise credit on XX/XX/2018 about this collection account and for verification of amount and if they hold this account from the original owner because this account was with a different collection agency that XXXX XXXX sent this to. It haven't been 30 days and Sunrise have already put this on my credit report without any verification. The date on the letter from Sunrise was XX/XX/2018 I didn't receive this letter until XX/XX/2018. I disputed this on XX/XX/2018. It takes 30 days for an account to show on your report I got a alert on XX/XX/2018 that this collection is on my report as of XX/XX/2018. So this was reported XX/XX/2018 for it to show on my report XX/XX/2018. This account have not been validated. I disputed this account within my time to request validation.This is unfair.

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 07-06-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Customer service / Customer relations

Complaint: I am not sure this applies but here is what happened ... 

Today I made a reservation through XXXX for a hotel room in XXXX XXXX, CA. I entered the wrong date and realized my mistake within XXXX minutes and called XXXX to see about a date change. The room was originally XXXX and they wanted an additional XXXX to change the date ( this included the XXXX date change and the rest is the penalty fee ). 

I went back and looked and of course in the small print it says no changes but I did not notice that while make the reservation. It just seems a bit steep to charge XXXX to change the date of a reservation XXXX minutes after making it. Any help would be great or at least put others on notice so they do not fall for the same thing! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Struggling to pay mortgage

Complaint: My Complaint has been on-going and not resolved with the Mortgage, first with XXXX XXXX, and then XXXX sold the home, and now SPS Inc, is the Servicing the Mortgage. 
The latest information/nonsense sent to me from SPS Inc., involves a letter from them to me dated : XX/XX/XXXX. I had asked SPS Inc., to provide me with the Appraisal done by XXXX XXXX in XX/XX/XXXX. SPS Inc., had another Appraisal done on XX/XX/XXXX, using homes in the same area in very poor condition, in order to bring down the price of the Appraisal, from what had been previously done in XX/XX/XXXX. 

SPS Inc., is aware that the remaining Loan Balance is is lower than the Appraised Value of the XX/XX/XXXX Appraisal, therefore SPS Inc., will owe me the difference, and they are attempting to low ball me, in order to avoid, paying me the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I applied on line for a free report because I was declined credit based on an Equifax report. After filling out all their info they told me they could not deliver it on line and I can request it by calling XXXX. After calling and inputting info, unless I was willing to pay for the report, I would have to send them all sorts of information by mail. Both efforts were a total waste of my time, Equifax should have stated online, what was needed to get the report rather than giving the impression that if I pay with a credit card I can get it now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/24/2016 about Debt collection (Non-federal student loan) with NELNET, INC. (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: On XXXX XXXX, 2016, my attorney-counsel representing me, wrote a letter to Firstmark Services in response to the debt collection letter I received. The letter was a cease and desist and debt verification notice. Firstmark responded to my attorney 's request as invalid because the request was not signed by me directly. Firstmark completely disregarded my cease and desist letter my attorney had written on my behalf. Firstmark continued to send collection notices for 2 months and called my husband 's cell number. They also made 2 derogatory marks on my XXXX credit report for the same account for being 60 days late ( according to XXXX by XXXX XXXX ) on XXXX XXXX, XXXX Under my rights as a consumer, I have a right for this debt to be verified by Firstmark. They completely made excuses stating that my attorney 's letter is invalid. They continued to pursue the debt and report this debt negatively on my account, despite not having verified the debt initially with me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Credit card () with WELLS FARGO & COMPANY (NC).
Issue: Overlimit fee

Complaint: I have a Wells Fargo Secured Credit Card, with a payment due the XXXX of every month. I paid my bill on the XXXX by transferring funds from my Wells Fargo Checking Account. I woke up the next day to find an account over-limit fee of XXXX added to my balance. This is not the first time this has happened. After calling customer service, I was told they attach a '' ghost fee '' ( which " should '' fall off in 3 or 4 days ) to the bill even though it was paid on the due date and not late. There is no notification of any such fee in the card disclosures, and when I mentioned this to the customer service rep, she stated even though it is not the best, it 's just their policy. These fees have an impact on my credit report and credit score, because they are reported as me overextending my credit, even though I am not. Even if the fee falls off, they do not correct it with the credit reporting bureaus and I am stuck with a false, derogatory hit on my credit for 7-10 years. Ironically, if it was n't for the fact that Wells Fargo is in the news for deceiving some of their customers, I would n't have been looking as closely at my accounts, and would not have found about their practice.

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 03/25/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I tried to dispute Name ( s ) associated with your credit on Experians website and it would not let me delete names that were not associated with 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 non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hello, After news of the Equifax hack, I went to https : XXXX to check if I was impacted. According to the website, I am and my data may be compromised. 

I would like to file this complaint to make sure my account is monitored and that I will not be victim to identity theft. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (FL).
Issue: Struggling to pay your loan

Complaint: On  XXXX   XXXX ,   XXXX   I put in for a loan for {$150.00} And was approved, and received the funds.     On  XXXX   XXXX  I got a notice about that this was owed, but then on the  XXXX  I saw that a withdrawal was made in the amount of {$32.00} and change. Then I saw a few days ago in my account another sum of {$31.00} was taken making a total round off of {$65.00} from my account without permission.     I contacted the company about this twice by email and no response from them. So I called today,  XXXX   XXXX ,   XXXX   to further discuss this with them and let them know they did not have the right to take money from me without my permission. They tried to insist that the contract says automatic withdrawal is part of permission for contract but it does not say that. I read contract through before agreeing to this.     Now, I am in a situation where I need the {$65.00} back and the contract cancelled due to financial hardship. I am in a crisis situation right now and they do not want to give me back the money they took without my permission. As I told them, nowhere in the contract does it say I give permission for them to withdraw. I finally got them to get rid of that but I need the money that they took from me and the contract cancelled. As I told them, I can back out at any time and I need to. Told the Supervisor to take it to the C  E  O if he has to but I need the contract cancelled and the money back. Tried to insist they do not give refunds and like I told them it is money they took from me without my permission.     I need help getting this contract closed and my money back. They tried to quote  State  law to me but they do not have a leg to stand on. Please do something about this company before they scam someone else the way they did me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problems caused by my funds being low

Complaint: I am filing a complaint to ask Chase Bank to extend time for my checking account. I have checked my account and I see there is an additional fees. I have avoided any and all charges until I clear up my checking account. I would appreciate a call from Chase Bank confirming that that will be done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2016 about Mortgage (Conventional fixed mortgage) with NATIONS DIRECT MORTGAGE, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received and attached XXXX separate letters from NationsDirect Mortgage credit research department ( dated : XXXX/XXXX/2016 & XXXX/XXXX/2016 ) verifying that my mortgage account was never late throughout the entire period my loan was serviced with them, however Nations Direct is wrongfully reporting to your credit bureau initially XXXX 30 day late on credit report submitted ( dated : XXXX/XXXX/2016 ), and since submitting the dispute with the credit bureaus my new XXXX report & XXXX report # XXXX ( dated : XXXX/XXXX/2016 ) is now inaccurately reporting XXXX 30 day late remarks by NationsDirect Mortgage, XXXX has corrected the error in derogatory information. I have requested to both XXXX and XXXX to correct all of the inaccurate derogatory remarks from their reports, as NationsDirect Mortgage has verified completely that my mortgage account was never late during entire servicing period.

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
Consumer complaint received 04/16/2018 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 status incorrect

Complaint: In the month of XX/XX/2018 I paid off two credit card balances, didn't close the accounts just paid the balances and the next day my credit score dropped 32pts. I emailed XXXX XXXX right away when I first saw my credit score had dropped.XXXX XXXX and I went back and forth between 8 emails and no one could tell me why my score drastically dropped. I proceeded to call all credit bureaus XXXX, Experian and I visited XXXX  still no one can tell me why my credit drastically dropped. Every factor each credit bureau ask me to consider or look at dose not apply to me. One factor was incorrect they said I have only had credit for 2yrs in fact I have had credit for 5 yrs. I have never had a derogatory complaint on my credit report, I have never missed a payment or paid a late payment on my credit 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 non-monetary relief
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with VW Credit (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: VW Credit does not have a valid enforceable contract. I timely reported the vehicle to be turned in when I was no longer able to pay the loan. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I have no knowledge of auction or any results from my many letters and disputes. I disputed the debt many times and requested validation. I also requested the item be removed from my credit due to failure to properly validate. XXXX failed to conduct a proper and thorough investigation that I am entitled to and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the VW Credit trade line stating "repossession",  my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. VW Credit 's actions were negligent and willful and wonton.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've disputed with Experian about a XXXX XXXX XXXX inquiry that 's on my report that XXXX XXXX XXXX has verified that it does not belong to me and they wo n't remove it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/XXXX XXXX the account was transfer/Sold to XXXX. XXXX XXXX tried for a year to collect on a Debt I was in disagreement about the amount. XXXX XXXX was not able to come up with documentation on how I owed XXXX. I was told by FTC that they must produce documentation on this debt I owe. I call XXXX and they was not able to give information on debt. The XXXX creditors took this debt off my credit report. On XXXX/XXXX/XXXX a default judgment was place against me and on XXXX/XXXX/XXXX I went to court about Midland Funding LLC garnish my bank account. The judge place a judgment against XXXX XXXX for the debt and to immediately release all withheld funds to plaintiff and shall continue withholding and payment of funds as previously order by the court. On XXXX Credit report the XXXX the date it was open was on XXXX/XXXX/XXXX, date of last payment was supposedly been XXXX, the last payment was XXXX, I had a credit limited of XXXX my argument with the XXXX creditors was how could I charge XXXX in 7 months. XXXX was not able to produce any information so the credit companies took it off my file. Midland Funding buys the debt from XXXX XXXX. Midland Funding files a Summon and Complaint against me on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX the summons expires. I find out about this lawsuit on XXXX and was not able to go present my side because I was not properly served by the officer of the court. I went in and put in a motion to set aside the default judgment and the judge denied giving me another court date. I done my research and Midland Funding LLC is the subsidiaries of Encore Capital Group , Inc. who was sued for fraudulent behavior and my intuitive spirit keep telling me the paper work Midland Funding LLC paper work that was given to me is not correct because the target account number is blot out with a black marker and the Midland Credit Management Number is blot out with a black marker and that seem unprofessional and suspicious to me. And the affidavit do n't state how they came up with the amount I owe on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: When using the www.annualcreditreport.com website, Transunion link only offers a " sign-up '' for {$1.00} for use of the website. 

Pasted web page ; TransUnionFree Credit Score & {$1.00} Report Unlimited updates to your TransUnion credit score and monitoring Email alerts of any critical changes to your TransUnion credit Personalized debt analysis and credit trending Up to {$1000000.00} in Identity Theft InsuranceGet my ScoreDo n't worry, checking your score wo n't lower it. 

Offer Details : Your FREE TransUnion Credit Score & {$1.00} Credit Report are available as part of a XXXX-day trial of our subscription-based credit monitoring service. You may cancel at any time during the trial period. At the end of your 7-day trial, you will be billed at the low cost of only {$17.00} per month ( plus tax for NY residents ). 

XXXX Get Your TransUnion Score 3 Achieve Your GoalsGet my Score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (I do not know) with BTH Management (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: According to XXXX XXXX XXXX a debt was charged off and then sold to XXXX, XXXX, XXXX XXXX XXXX XXXX. FAX XXXX XXXX XXXX XXXX? I telephoned and faxed a settlement agreement in an effort to learn more about the debt to prevent it from being entered on my credit report, but the company does not respond to written or verbal communication.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Within the past few weeks, I have sent two separate letters to Portfolio Recovery Associates asking them to validate a collection they have reported to the three main credit reporting agencies as belonging to myself. In both instances, I have asked for proof of this account supposedly belonging to myself by sending copies of the alleged SIGNED CONTRACT between myself and the original creditor. 

Portfolio Recovery Associates has ignored my repeated requests and simply sent bills. A bill is not what I have requested. 

I am requesting that Portfolio Recovery Associates send proof that the alleged account belongs to me by sending THE ORIGINAL SIGNED CONTRACT or have it deleted from my consumer report by contacting the three major credit agencies they have reported it to. 

Portfolio Recovery Associates has a history of using illegal tactics and also has several lawsuits filed against them already. I will not hesitate to follow suit. 

I have a legal right to see a copy of the SIGNED CONTRACT WITH THE ORIGINAL LENDER and I am demanding to see that. 

The legal burden of proof requires at least a copy of the contract signed with the original company when this credit card was supposedly accepted, and it's the collector 's burden of proof to produce it. 

Portfolio Recovery must show a SIGNED CONTRACT or delete this collection account from my credit report with all three of the credit reporting agencies.

Company response to consumer: Closed with explanation