milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Credit determination

Complaint: I was solicited by Bank of America for a Mastercard XX/XX/XXXX. I applied for the card and was accepted. XX/XX/XXXX, I was solicited for a XXXX card, a XXXX card. Since this was my alma mater for both of my degrees, I applied for this credit card. 
I was rejected for this XXXX card, with the explanation given that " you have current or past delinquency on your account ( s ) with us and/or our affiliates. '' The subsequent paragraph stated that " This decision was based upon an assessment of your application, current economic trends and a copy of your credit report or reports. " I immediately wrote bank to BAC, certified mail with receipt, highlighting the following points:1. I pulled my current report and there were no current or past delinquencies on the report. 
2. I pointed out that they had just approved me for an account for {$2500.00} in the prior month, mentioning none of these reasons. 
3. I did point out that I did have delinquencies with MBNA in XX/XX/XXXX-XX/XX/XXXX, with the accounts being eventually settled based upon settlement offers. This information should not be included as a current reason, especially if it was n't being applied in a consistent manner. 
4. I stated that there denial seemed arbitrary and capricious, as they were not applying consistent methods of reviewing and making credit decisions. 

The response I received from them addressed none of my points, instead stating the cliche " unable to approve your request because you have sufficient utilization of your credit and you have sufficient balances on your revolving credit lines. " To add insult to injury, they did a hard pull on my credit, so that it shows XXXX hard inquiries ; XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX, further damaging the credit record even though the original application and the appeal were within 30-45 days of each other.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Every couple of years I have to dispute the same lien. It was removed for inaccurately being reported in error by the state of Mississippi State Tax Revenue office. Due to upgrade of computer system which collected old business owners closed account information which put several people in a delinquent status. Which was incorrect. Since I had not lived in the state for 8 years the only way I found out was when my security clearance flagged my clearance. The lien was removed by Mississippi Tax office and lien was released. Two years later Equifax put the same lien back on my credit report cause me the same problem as if they can not look back in their records and discover it was removed. I never owed the State of Mississippi, I never had to pay for any lien and I feel that the credit bureau are pulling information from public records without regards to the circumstances. For the record, even if a lien was recorded in error by the State, and released due to their system error, they Will Not completely remove as if it never happened. They keep it for there records which is for their use which happens to be public record. It will not say to the credit agency the circumstances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I C systems Inc is reporting theses alleged accounts with XXXX XXXX XXXX XXXX XXXX on my credit report and I do n't owe them any money. I returned the equipment to XXXX and received a receipt with a zero balance. I didnt have service with XXXX XXXX XXXX. I C Systems started reporting these alleged accounts on my credit reports with the the CRA 's ( XXXX, XXXX XXXX and XXXX ) without notifying me and continue to verify them after I have disputed them and requested verification of debt from I C Systems. They are in violation of FCRA 1681s-2 ( b ).

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 12-07-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. ().
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX has been contacting me trying to get information on my close friend. They have called multiple times, and each time I tell them I am not her, and will not give out the personal information of a friend. 

After telling them I am my friend, they continue to ask me if I can confirm that I am her to discuss a personal business matter. I continue to repeat I am not her and will not provide any information on her. 

Each time they say they will remove me from the account. But I continue to receive calls.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Payday loan () with REGIONAL MANAGEMENT CORPORATION (OK).
Issue: Received a loan I didn't apply for

Complaint: A loan worker calls me two to three times a day and leaves voice mails now they called my work to verify employment for wage garnishment. I have never received a judgment or an letter for garnishment. They have drove to my house an came up the drive they have called me several times a day an have contacted my employer under no legal grounds and are now making threatening phone calls to me I am feeling harassed and I never applied for a loan with this company they sent me a check in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-12-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX XXXX XXXX, XXXX. on XXXX/XXXX/XXXX Levied and seized by car. I had tried to negotiate with them on an old debt the bought from Bank of America that was charged off. They put a judgement on me on XXXX/XXXX/XXXX after the debt was charged of from BOA. I am XXXX year old widow. They told me they were going to auction my car and then attach my pay if I did n't pay them {$13000.00}. The debt was only around {$10000.00} orginaly. I offered to settle for {$7000.00} or pay {$1000.00} a month. They wanted XXXX which I could n't do. I had to rent a car to go to work which I am in XXXX and have to XXXX. I had to take the money out of my retirement XXXX. This has really hurt me financially and I think this is unfair. I do n't think they should put a Judgment on me to begin with. BOA had written this loan off. It shows on my credit report it was written off. With my husband dyeing supply I was left without his income and struggle to make ends meet.

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 04/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Sent letter to transunion asking them to remove certain personal information off my credit report such as incorrect addresses and any accounts associated with them as they are fraudulent. I got my response back on   XXXX   from transunion showing that none of the personal addresses and accounts were removed and the information i requested they investigate was not done at all. instead their response was dispute information updated or verified as accurate yet i asked them for their method of verification and what was updated and verified. I do n't believe anyone or at least a human person even looked at my letter because i do n't know what was updated or verified as none of this is clear and simple to understand. looking over my report its obvious there are things that are clearly incorrect and not accurate. I would  hope  that the CFPB can knock down the doors at transunion and ask them to do their jobs and truly clean up the errors on my account.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian did not comply with the Fair Credit Reporting Act, Section 609 and 611, in regards to conducting a reasonable investigation of my dispute against inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them. Experian is listing accounts on my credit file from the XXXX XXXX XXXX XXXX XXXX that belongs to someone else. These accounts are not mine. Experian keeps stating that they verified that these accounts are mine. How could they when the XXXX XXXX XXXX XXXX XXXX informed me that my account with them was paid in full on XX/XX/XXXX? This account has appeared on my credit report since XXXX. I never had an account with XXXX XXXX. I have paid off my account with the XXXX XXXX XXXX in XXXX of XXXX. I have PAID MY LOAN IN FULL WITH THE XXXX XXXX XXXX XXXX XXXX and I HAVE NO OUTSTANDING ACCOUNTS WITH THE XXXX XXXX XXXX. I have included a copy of my Paid In Full letter from the XXXX XXXX XXXX XXXX XXXX.
The accounts that are listed on my credit file that I am referencing is : XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX/XXXX XXXX # XXXX  These are not my accounts. I did not authorize these account to be on my credit file.

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 06/13/2016 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Privacy

Complaint: AMEX gave my personal information to XXXX during the XXXX credit card change over fiasco AGAINST MY SPECIFIC INSTRUCTIONS. I called AMEX as soon as I found out what was transpiring and was told the only way to stop the information from flowing to XXXX was to cancel my AMEX account, which I did immediately ( XX/XX/XXXX ). Today, XXXX XXXX, I received his and hers XXXX cards in the mail. Absolutely UNCONSCIONABLE. AMEX has proven its incompetence at keeping customers and I guarantee that I will NEVER be a customer of theirs again nor will I ever recommend to any of my friends or family to be members.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Bank account or service (Other bank product/service) with STATE FARM BANK, FSB (OH).
Issue: Account opening, closing, or management

Complaint: I was involved in an automobile accident where XXXX. I contacted my insurance agent to find out what my options were as far as repairs were concerned. They told me that my comprehensive coverage would pay for the repairs and my out of pocket expense would only be {$50.00}. When I picked up the vehicle for the repair shop, I was told that it was covered under my collision coverage and not my comprehensive. Therefore, I had to pay {$250.00} out of pocket instead of the {$50.00} my insurance agent told me. 
I contacted the claims office and they notified me that under my policy, this was correct. If I had hit a deer, dog, or other animial, it would have been {$50.00} but because I hit XXXX at no fault of my own, I had to pay out {$250.00}. I was lied to and misled by XXXX and the people I pay each month to know my insurance policies inside and out.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Consumer Loan (Installment loan) with Conn's, Inc. (AZ).
Issue: Managing the loan or lease

Complaint: I purchased a TV on XXXX/XXXX/XXXX for over $ 7k. I have been making payments on it and have not been late. I logged in today XXXX/XXXX/XXXX to make, what I thought would be my final payment only to find a balance of {$3300.00}. When I signed up for this I was told that I had to pay off the balance by Month XXXX. I went to the store on XXXX XXXX to get my balance owed and asked them when my promo would end to which I was told XXXX/XXXX/XXXX. I called your phone support people regarding the balance I see on my account and she rudely told me that I was misinformed and nothing can be done! She also refused to provide me with my balance prior to the interest. 
I will gladly pay the amount that I owed prior to all the interest even though I was over changed for the TV but I need someone to rectify the issue of the insane interest so I can make my last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This debt collection account does not belong to me. The debt has been transferred to different lenders and also has been removed and then added right back to my credit report. This is re-aging debt which is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2016 about Consumer Loan (Installment loan) with 2288984 Ontario Inc. (MD).
Issue: Managing the loan or lease

Complaint: I borrowed {$600.00} from XXXX XXXX and repaid almost {$800.00} in prinicipal interest and fees. They are now claiming that I owe an additional $ XXXX+ in fees and I believe it is unfair practices and predatory to require these additional monies.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: account taken over and breach of contract, with eLigible baLance kept after cLosing acount, ruLes that no charges on the account in event of IDtheft, but was ignored and impLied my family maybe invoLved? plus gave it to third party!

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: I opened a new Bank of America account in XXXX 2016. There was an unauthorized activity on my account which caused the insufficient funds and the bank wanted to close my account based on risk assessment. But when I went to the financial center and explained them the situation, they said that the insufficient funds charge had fallen off and that I would not need to file a claim. The bank also returned the NSF fees. But now after a month, my debit card was blocked and I realized from the bank that my account is being closed all of a sudden. They also are reporting me to the chexsystems, which means that I would not be able to open a new account for next 5 years in the USA. I do n't want to get penalized by not having an account for not making a mistake. I wish to get a response as soon as possible because it would create a lot of problems for me since I am just starting with my career here.

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 05/30/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, For the past 6 months I was in contact with Bank Of America and was asking them to extend my loan modification for another 5 years due to the fact that I was diagnosed with XXXX in XXXX XXXX. I explained to them because of my XXXX, and the XXXX and XXXX which I went through, and XXXX XXXX which I had in XXXX, I am not able to put the same hours and work as same as I did before. The Bank of America in the beginning supported me, and actually for 6 months they played with me mentally, and yesterday they send me a letter that I will not be qualified for another loan modifcation, and they are suggesting to do short sale. Even during the period of my XXXX treatment, I borrowed money to pay the mortgae and tried my best to be a good citizen and not be a late late on my mortgage. Now on the letter that they sent me on XXXX/XXXX/XXXX, they are telling me that I dont have any hardship, because for the past 5 years I paid my mortgage on time. I am an XXXX, physically my body ca n't tollerate to work XXXX hours a day to make at least {$700.00} a week, and Bank Of America does not understand that which I only asked them to extend my loan Modification which will ends on XXXX XXXX, XXXX, till I figure out what my situation will be financially and physically. For 6 months, over and over again they asked me to fax, mail them my documents, which I did. Several times they lied that they did not receive my documents, even though I sent them with self XXXX envelope. They assigned XXXX different Customer Relationship Managers over the past 6 months on my case, just to waste my time and to kill time in order for me to explain my case over and over again to new representative, and started everything again. I even several times complained to Bank Of America Heaquarter, but no mercy. I did send them whatever they asked me to do, but at the end they denied everything and telling me do short sale. The Bank Of America got money from the government to help me and people like me in the situation like this, I am shocked that why they are not willing to re-modified my loan for another 5 years, till I know where I am standing with my XXXX. I am not sure if My XXXX is coming back or not?, physically I am very week and do n't want to lose my home and do short sale as they suggested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2017 about Debt collection (Other debt) with Account Control Bureau (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent certified letter to Account Control Bureau, which they received on XX/XX/2017. I have tried and tried to collect data from this company with no response. I requested validation of this account, bearing my signature. It has passed their 30 day mark, I then sent them a second letter, and again, I have gotten no response from them. They also did NOT mark my credit report disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Discover, Discover Card, Discover credit, Discover Credit card, Discover personal loans, Discover home loans has along history of preying on people. And now it seems that the are preying on seniors and disable veterans. A few of the Federal court ruling against Discover for consumer fraud!
The Discover Fake Credit Card Agreement Class Action Lawsuit is XXXX XXXX v. Discover Bank, Case No. XXXX, in the in the Supreme Court of the State of New York , County of XXXX XXXX. The Discover FCRA Class Action Lawsuit is XXXX XXXX v. Discover Bank, et. al., Case No. XXXX, in the U.S. District Court for the XXXX XXXX of Wisconsin . XXXX XXXX XXXX has reached a {$10.00} XXXX class action lawsuit settlement over allegations it duped its customers into signing up for the fee-based products : Discover Payment Protection ( formerly known as Discover AccountGuard ), Identity Theft Protection ( formerly known as Profile Protect ), Wallet Protection ( formerly known as The Register ), and Credit Score Tracker. As a result, consumers who were enrolled in one of these products between XX/XX/XXXX and XX/XX/XXXX may be eligible to receive up to {$30.00} from the Discover product class action settlement. XXXX XXXX XXXX has reached a class action settlement over allegations that it used an automated telephone dialing system and/or an artificial or prerecorded voice to place non-emergency telephone calls to a cellular telephone in violation of the Telephone Consumer Protection Act ( TCPA ). If you received an automated call from XXXX XXXX XXXX or any related parties between XX/XX/XXXX and XX/XX/XXXX, you may be eligible to receive financial compensation. A lawsuit has been filed against financial giant Discover, alleging that the company called more than a hundred times to try and collect someone elses debt. The phone call lawsuit claims that Discovers actions violate federal laws detailed in the Telephone Consumer Protection Act ( TCPA ) designed to protect the public from harassment Law360, New York ( XX/XX/XXXX, XXXX XXXX EST ) -- Discover Bank and law firm XXXX XXXX XXXX XXXX XXXX were hit with a proposed class action in Pennsylvania federal court Friday that accuses them of trying to collect on credit card debt without proper evidence. According to the suit, filed by customer XXXX XXXX XXXX XXXX, XXXX, Del.-based Discover, its subsidiary XXXX XXXX XXXX and XXXX-based XXXX, which serves as a debt collector for Discover, have engaged in an illegal and deceptive scheme to collect credit card debt from customers, using false information to back their claims. In Michigan state court there are over 6 cases against Discover and in XXXX county courts over 20!

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Medical debt) with ProCollect, Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They have placed negative items on Credit Report. I have asked them to send me a invoice for these debts. They refuse to send me a invoice. My insurance said if they have a invoice they will pay it. They continue to call me. I have told them I wo n't pay it without a invoice. This item is over 7 years old.But because I do n't have a invoice I can not tell for sure.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have  XXXX  entries on my credit report for the same student loan with the  U.S. DEPT OF ED - DIRECT. These loans were transferred to :   XXXX   several years ago . As of today   XXXX   XXXX   XXXX  , my students loan accounts are in a satisfactory status. It lists this on my credit report under the new student loan creditor info :  XXXX . all of my loans were transferre d to one comp any  XXXX . and they are now current but even though I have entries that show that they are now current under  XXXX  I still have those  XXXX  entries that are dated as far back as far as   XXXX   XXXX   XXXX   on my report.       old company  Creditor Contact Details U.S. DEPT OF ED - DIRECT    XXXX   XXXX   XXXX   XXXX  , TX  XXXX  (  XXXX  )  XXXX  transferred to : Creditor Contact Details  US DEPT OF EDUCATION/  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , WI   XXXX   (  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 non-monetary relief