milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Using a debit or ATM card

Complaint: I applied for a job online and was asked to give my debit card number and pin for payroll. I complied ( which was a huge mistake ) the next day ( XXXX XXXX 2016 ) I noticed all kinds of charges coming out of my account and I also noticed that XXXX fraudulent checks were cashed. I immediately contacted the bank and had them filed a complaint and opened a claim with both the debit and check fraud departments. Instead of the bank cancelling my card, they canceled my mother 's card instead. My mother had to call the bank back and ask for my card to be canceled. She had to get a new debit card as a result of their error. On XX/XX/XXXX I called for a status of my claims and the bank representative supposedly put a freeze on my account, but then allowed the fraudulent checks to hit my account on both XX/XX/XXXX and XX/XX/XXXX. This was after I had spoken to them on the phone. I filed a police report on XXXX/XXXX/16, and gave the bank a copy of the police report. I have been working with the police to catch this person and have done everything the bank has asked of me. My claims were denied because the bank said that when they reviewed the surveillance footage at the ATM 's that XXXX people were shown using a card. Which proves fraud occurred because I was not in any of the videos. My guess is that they used the information to make a duplicate card. The bank never contacted the police department to obtain any information from them. When I called I was treated like a criminal. Why would I hand over all of the information that I have over to the police if I did something wrong? Here are my claim numbers : XXXX, XXXX, and XXXX. I have been calling about this issue every day since XXXX/XXXX/16 and it has not been rectified. I am a college student and was only trying to find a job to help my parents pay my tuition.

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 12/18/2017 about Vehicle loan or lease (Loan) with VEROS CREDIT, LLC. (NV).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I requested a extension with Veros Credit XX/XX/17, due to the that I was getting medical treatment from a car accident. They file the extension. I checked my credit report today ( XX/XX/XXXX ) and they increased my balance by {$240.00} and drop my credit score. I 'm still receiving medical treatment and they continue to call everyday. I $ 10,000+.They been in contact with my insurance company but have n't received check yet but they know its coming.

Veros credit have not right to increase my balance and file the extension as something else. I informed Veros Credit that once I finish my medical treatment I 'll made my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have made serveral attempts to resolve my issue with XXXX XXXX XXXX in regards to validate the account, not the balance. I havent received know payment history or any verfication that the account is accurate and/or beloning to me. I 'm willing to assume ownership only if they provide me with sufficient evidence that this account was truly mine and proof of the payment history verifyng the amount owed is correct. I 'm concerned that this account may not belong to me, and/or the reporting to XXXX, Experian and XXXX may be inaccurate. In complaince with FCRA 623 ( a ) ( 8 ) ( D ) and acting regulations published at 74 Fed Reg 31484 ( july 1, 2009 ), this notice includes. Basis of disputed : On Experian acct # XXXX shows no payment history, only charge-off history.Open date XX/XX/XXXX, last updated XX/XX/XXXX, charged-off XXXX with last payment dated XX/XX/XXXX. XXXX shows last payment dated XX/XX/XXXX and a close date of XX/XX/XXXX with no payment history. XXXX shows only the only a open date XX/XX/XXXX with no payment history only a charge-off history. My question is how are the bureaus completing an investigations without updating the account with payment history, only a stating that it 's valid.

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 08-07-2017 about Debt collection (Credit card debt) with Summit Consumer Group (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Was contact by an outfit called Summit Consumer Group about an XXXX credit card. I responded to them via phone to tell them not to contact me that the debt wads paid. This is an old debt and I have since obtained a premium credit card from XXXX with a large line. I would not provide any information to these people since they use deceptive methods to approached me. They said I was being served court documents and i told them to bring it on. That was over 6 months ago. They called my wife this week and tried that same approach tactic. They said left her a voicemail with the last 4 digits of her SSN and mine. I called and they said they have our credit file. They would not provide an address or a specific business name. We got into a very ugly argument with them and I have begged them to sue me so they can pay for our son 's college education. We have recorded all conversations with them. We have argued with a XXXX XXXX and a XXXX XXXX. This Summit Consumer outfit is very sleazy and unprofessional They catch people off guard and out of the blue.

Company response to consumer: Untimely response
Consumer complaint received 02-09-2018 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (PA).
Issue: Struggling to pay mortgage

Complaint: I was laid off a few years back and fell 2 months behind. I've been keeping up with payments but can't catch up on the 2 past payments. I wrote letters asking if they can put the owed balance to the end of my loan. They never answered back and keep adding charges. I'm up to XXXX in back pays. They also never sent me a mortgage coupon booklet for XX/XX/XXXX so I continue paying what I paid a month for XX/XX/XXXX. They're not helping me at all. I'm in desperate need of help. I am supporting XXXX kids with no help and it's impossible to catch up with all these penalties. Please help. My loan is with pnc

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I compared my experian report to that of a friend of mine. Both of us have collections on our experian file. When I compared the XXXX files, her collections are scheduled to come off between 4 and 5 years from the date of the collection and mine are scheduled to come off between 7 and ten years from the date of the collection. She has lot more collection and negative information on her credit file with experian and her credit score is higher than mine. The only difference between the XXXX of us is that she is a XXXX year old XXXX female and I am a XXXX year old XXXX female. It is not fair that her collection accounts are scheduled to come off between 3-6 years from the date they were reported and mine are between 7-10 years. For example ; I have a collection account that was reported in XXXX and it is scheduled to remain on my credit file until XXXX. She also have a collection file reported in XXXX and it is scheduled to remain on her credit file until XXXX. I have copies of both reports and all of the collection accounts have similar discrepancies and differences on both of ours where her unpaid collection accounts are scheduled to be removed a lot quicker than mine ; XXXX of our collection accounts is the same creditor ( XXXX XXXX Bank ) and its the same scenario as far as when the negative information is scheduled to be removed. I am not understanding why the difference in the removal time, from my understanding negative information remain on file the same amount of time regardless of who the consumer is. It seems as though it may be a difference based on discrimination. I have copies of both reports and I will send them in with the differences highlighted if necessary. I want to know why there is such a difference as to why my negative information stay a lot longer on my credit file, making it harder for me to repair my credit and raise my credit score than it does for another person in a very similar situation than mine. The only difference between the XXXX of us is that she is a XXXX female who is XXXX years older than myself. I have the hard copies of the credit report that I plan mailing to the investigator assigned to this complaint as soon as I hear a response from this bureau. Again I would like to know the difference and why some consumers such as myself have a longer waiting time for negative information to be removed than others. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX of XXXX Midland funding llc placed a collections on my credit report for {$870.00}. After calling them I found out that this debt is from an account opened in XXXX. this debt, to the best of my knowledge, because it was 10 years ago, was paid. I have not received any collections from anyone else about this debt in 10 years. I also know that this card could not have been opened for more than XXXX dollars. I was under the impression that a company could not put collections on your credit account after 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (FHA mortgage) with NVR INC. (VA).
Issue: Application, originator, mortgage broker

Complaint: We purchased our new home in XXXX 2015. We later found out, almost 1.5 years later, that our home resides in a special tax assessment area called the XXXX XXXX XXXX XXXX XXXX ( XXXX for short ). This XXXX carries with it special tax burden that was not explained to us nor was it disclosed in the residential mortgage loan application, the purchase contract, the deed of trust, the truth-in-lending form, the good faith estimate, or any other legal document that such a property tax should have been disclosed in. The tax ultimately amounts to approximately {$53000.00} over the life of our 30-year mortgage, and the yearly assessment is expected to go up 2 % each year until the entire amount is paid in full. Many residents have contacted various entities involved with disclosing this information, such as the developer, XXXX, the home builder XXXX, the settlement company ( a subsidiary of NVR Mortgage ) and we have been very disappointed with the responses from each individual party.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with JH Portfolio Debt Equities, LLC (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I ASK THIS CREDITOR TO VALIDATE THIS DEBT AND AS OF TODAY I HAVENT RECEIVED ANYTHING!! ALSO UNDER FDCPA SECTION 811 ( A2 ) THE COLLECTOR MUST BE IN THE COUNTY IN WHICH I LIVED WHEN I SIGNED THE ORIGINAL CONTRACT.

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 07-06-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Upon discovering this debt on my credit report, I disputed through each of the credit bureaus multiple times. It had only been removed from XXXX through that method so I then made direct contact with Portfolio Recovery by letter to dispute the debt. I have asked for validation of the account and each time I have received nothing back but a statement of charges. This does not validate the debt as mine. I also have never entered into any kind of contract with Portfolio Recovery and am not obligated to pay them. On XX/XX/XXXX I submitted a letter to Portfolio 's Dispute Department via email to XXXXXXXXXXXX. I asked them to provide me with any and everything that would prove that the debt is mine, including a copy of the written agreement that created my original requirement to pay. <P/>I later received a letter dated XX/XX/XXXX stating that " PRA, LLC has obtained and reviewed the attached documents related to this account, which establish its validity. '' The only documents attached were copies of some account statements showing the charges. There was nothing indicating that the debt was indeed mine. <P/>I disputed the account directly again on XX/XX/XXXX. <P/>On XX/XX/XXXX I received the same exact letter and statements as I did after the last dispute. Again, nothing validating the debt as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Late fee

Complaint: On XXXX XXXX I looked at my credit card balance with USAA credit cards. I had noticed that my payments did not process. My payments are due on XXXX. So I immediately made a payment and called the bank. they charged me {$25.00} for each late credit card and this put my card over the limit. I asked them to please waive the late fee and they said no. I have never been late. I find this unreasonable. On XXXX I received an alert from a credit reporting agency that USAA had reported that I was late and that I was over the limit. This is also very unreasonable. The only reason I was over the limit was because of the late fee. This affects my credit which I have been perfecting for sometime. THis is bad business. I as only a few days late. This is not the XXXX time that I have had problems with them. I reported them a few times last year for closing accounts without notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (VA).
Issue: Managing the loan or lease

Complaint: I took a loan with Care Credit at my dentist 's office for paying for an expensive 18 month treatment. I was told the loan was interest free. Now I am paying interest each month. My balance of nearly {$1000.00} does not go down very much. Making payments on time is difficult. I ca n't get a history of my account or what I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (I do not know) with Delta Management Associates, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Delta Management hav e been calling back to back each day until someone picks up.   Then they call an office phone repeatedly until the person is available The reps name is  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 explanation
Consumer complaint received 04-09-2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I apllied for a XXXX Credit Card and Equifax, minused my Equifax score by XXXX points. My score went from XXXX to XXXX in 24 hours. This is not fair. I was only applying for a credit card to have revoling credit on my credit report in order to purchase a home thru FHA. They have ruined my chances of purchasing a home by minusing my score by XXXX points in XXXX hours. I called and wrote Equifax on many occasions due to they will not take old credit history from 15 years ago off of my credit. I called and they told me every time I do a credit dispute it stays on for 10 more years. I am sick of Equifax. They have ruined my credit for long enough. I need all of those old accounts off of my credit. And my points put back on my credit score. They should not be taking XXXX points for an inquiry on your credit for a credit card

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 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 am trying to open a new account and the lender says my Equifax is frozen. I did not place a freeze on my account and Equifax does not offer any method to contact them by phone for details on who and why there is a freeze on my credit score. If contacting them by mail they request a member number for their fee based credit monitoring service. 
They should offer a customer service phone number to resolve issues.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX 2017, I went in person to the Chase Bank Chase located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX in order to pay off and close my Chase XXXX XXXX Credit Card. I clearly expressed my intention to close the account to the teller and requested the full amount to pay off the account, which I further stated may be a different amount than the account balance. I was given an amount of {$14000.00}, and I wrote a personal check for that amount. The teller stated that in order to close the account, I would either talk to a personal banker in the branch, or call card services. There was a long line for the one personal banker, so I opted to call card services. 
I placed the call the same day, approximately an hour after leaving the branch. I stated my intention to close the account, I was offered {$200.00} cash incentive to keep the account open which I declined. Once I was assured the account was closed I ended the call. 
On XXXX XXXX I answered a call that caller ID recognized as Chase Bank. 
When I answered the call, the call was immediately terminated by the caller. I was puzzled by that call and on XXXX XXXX I went in person to the Chase Bank Branch to verify the account was closed. The teller verified the account was closed, and gave no other indications to me. 
On XXXX XXXX 2017, I received a letter from Chase Card Services stating that my account was past due and that I needed to pay {$290.00} in order to avoid additional late fees. There was no break down of the charges/amount in the letter. This was the first indication that I received from Chase that they had made an error and that somehow I was expected to pay for it. I called the XXXX number and spoke to two separate customer services representatives stating that I wanted the amount cleared, and that I felt that I should NOT and would NOT pay the fee or penalties for a mistake made by their personnel. 
I would like CHASE Bank to correct the issue, and send me verification that my account is closed, and further that no further fees, interest, etc will be charged. Additionally, I would like CHASE to verify that no negative remarks or information regarding this is reported to any credit bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/27/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MS).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX credit reporting agency dropped Ocwen Loan Servicing , LLC from my credit file, stating in their answer to CFPB case number XXXX I filed that Ocwen Loan Servicing , LLC account was reinserted on the credit file on XXXX/XXXX/XXXX. Please contact Ocwen to see why the account is no longer reporting and to see if they can report the account on your credit file. XXXX is still reporting the outdated information Ocwen submitted to CFPB case number XXXX in answer to my complaint filed in XXXX XXXX. Per XXXX XXXX, Consumer Account Analyst, Office of the Consumer Ombudsman, Ocwen Loan Servicing , LLC response in this case number dated XXXX XXXX, XXXX, Ocwen electronically reports information to the credit reporting agencies on a monthly basis. However, as of XXXX XXXX, XXXX, Ocwen has not sent any updated information on my mortgage account XXXX to any of the credit reporting agencies. I called Ocwen Loan Servicing , LLC at XXXX on XXXX XXXX, XXXX after talking with a representative of XXXX. I spoke with XXXX who gave me identification number XXXX. She verified that the account in fact had not been reported since the above mention date. XXXX was to contact me within XXXX working days. To date, I have not heard from XXXX with Ocwen and the account still show that Ocwen has not sent updated credit reporting information. I am uploading the credit reporting information I got from my Ocwen account online, plus correct information that shows the account is paid each month as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: My data was hacked as part of the Equifax hack. It would be great if Equifax pays to put a credit freeze on all 3 credit bureaus.Right now, they are not doing that. please put pressure on Equifax to protect its consumers and right the wrong done. Right now, they provide a 1 million credit theft insurance but I have to discover it 1st and then spend umpteen hours with credit bureaus to fix it and fill up umpteen forms. Putting a freeze on my credit bureau accounts prevents it in the 1st place. 
I signed up on their www.equifaxsecurity2017.com site but as i said it does n't put a credit freeze on my account on the 3 credit bureaus as recommended by XXXX XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Wrongful unauthorized account collections and inquiries for over 10 years and recent unauthorize credit inquiries and collections. 
I have been disputing for many years such as XXXX XXXX XXXX XXXX and negatives reportings. 
But Equifax XXXX allows companies to cement back permanently on my credit report and damaging opportunity to get credit approval for my daughters college funds support through a loan lender for their education. 
I can not prosper in life with bad credit. 
I am on XXXX and on Permanent XXXX Lifetime and Retired as of XXXX XXXX. 
I retired from XXXX XXXX XXXX XXXX XXXX of employment XXXX till XXXX on Permanent XXXX Lifetime. 
Please remove California XXXX XXXX XXXX XXXX XXXX XXXX employer.that 's incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a non profit organization.and no pay. 
Credit report of collections will be sent by email to Consumer Finance Agency by my email XXXXXXXXXXXX Government Investigations can pull my credit for verification of evidence of collections and inquiries and negatives on my credit report. 
Urgent matters.

Company response to consumer: Closed with explanation