milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2015 about Debt collection (Auto) with Autovest, L.L.C. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Took out an auto loan/truck repossessed in 2001/never heard anything else from these people/have applied for credit/had nothing ..literally nothing on my credit report/then about maybe a month..out of no where i received something where I owed them with all of this interest out of no where ... no other paperwork or anything/I recently had XXXX ... so was n't up to par and I guess I did n't respond in time then a couple weeks later a judgment was made ... we are talking XXXX YEARS LATER..there has to be statue of limitations here that have been violated ... I need help desperately ... and do n't know where to turn

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (Auto debt) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I bought a car back in XX/XX/XXXX ; it was repossessed in XX/XX/XXXX. The statute of limitations in the State of Florida is five ( 5 ) years. By law this debt is uncollectable. A few years ago I was contacted by another collection agency. When I told them what happened they closed their file. Now the debt has been sold to another debt collector who is trying to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: To Whom It May Concern : Portfolio Recovery, XXXX, continues to contact me subsequent to verbal and written cease and desist requests. I am filing this formal complaint. 

The above referenced third party debt collector seeks recovery of a ( purchased ) charge off non-secure debt older than 7 years. Despite the age of debt, I initially engaged in a negotiated paid in full agreement. Upon failed attempts to secure Portfolio 's written confirmation of the terms via phone, I discontinued further negotiations. A verbal request was logged to cease further contact as the duration of the debt exceeded the statutory term for collection activity. Was advised the requested was documented on the system of reference. 

Almost a year later, Portfolio continues to lodge outbound calls to my personal cell phone. When instructed of the previous verbal and written requests to cease contact, representatives acknowledge the logged request continuing with verification and payment inquiries. 

Portfolio 's actions is violative of FDCPA. among other promulgated third party debt collections prohibitions announced under CFPB guidance. 

For these above reference items, this compliant is hereby filed with the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2017 about Bank account or service (Checking account) with PNC Bank N.A. (NY).
Issue: Account opening, closing, or management

Complaint: Opened an account with PNC for its {$300.00} promotion for Opening a new Virtual Wallet with XXXX and fulfilled the promotion requirements. It 's been XXXX months and have not yet receive the promotion bonus, which is longer than the terms of conditions stated. 
Promotion link : XXXX? WT.mc_id=LP16_PNC_0005 & m=w

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are unknow unauthorized inquiries on my Experian report. Specifically, I did n't give authorization for my credit to be ran numerous times by Equifax solutions on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I did n't authorize it united auto to run my credit on XXXX/XXXX/XXXX. I did n't authorize XXXX XXXX  to do a hard inquiry on XXXX/XXXX/XXXX. I did n't authorize XXXX XXXX XXXX on XXXX/XXXX/XXXX or XXXX XXXX XXXX on XXXX/XXXX/XXXX. Moreover, clarity was not authorized on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. Moreover, there are numerous inquiries from XXXX credit that are unauthorized on my report. Please have these inquiries removed immediately.

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 07/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: " There was no debt to begin with '' I used to be XXXX XXXX XXXX customer. In XXXX of 2016 I decided to discontinue using the service. I disconnected the equipment and returned it to the closest XXXX XXXX XXXX on XXXX/XXXX/2016. Then I tried to get XXXX to actually close my account. It took over a dozen phone calls and over 2 months for them to finally close it. Meantime their billing system kept adding new service charges and late fees. After the amount went over some threshold I started getting multiple robocalls per week from " Focus Receivables Management LLC '' collection agency to my personal cell phone. Even after I was finally able to get XXXX to close my account and remove all the bogus charges - the robocalls from the collection agency did not stop.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a military member and was away for a year and a half. Came how to check my credit report because I am in the process of buying my first home. I have XXXX inquirers on my credit that was not authorized by me, there isnt any proof that I made these request. I contacted customer service and they would not remove any inquiries off of 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 explanation
Consumer complaint received 05/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On X/XX/17, I was informed after I initiated contact that my PNC Credit Card was " revoked '' six months ago in XX/XX/XXXX. I have been carrying a balance and I was in the process of paying it off. Each month, I was charged interest. This I understand, the interest that is. However, to remove my ability to use the card ( without notification ) and to continue interest charges is an exploitative practice. If I am to accrue interest charges, then I should be able to use the card as long as I am below the maximum balance. The notion that PNC can at-will re-evaluate any account ( without any sort of dialogue/notification ) is one-sided and wrong and consumers should be involved far more in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit card () with U.S. BANCORP (TX).
Issue: Billing statement

Complaint: On XX/XX/2016 I requested copies of monthly statements for XX/XX/XXXX, XX/XX/XXXX & XX/XX/2016. On XX/XX/2016 I receive a response advising me that they have received my request and to inform me per cardholder agreement there is a charge of up to XXXX for each statement requested and to sign the form agreeing to the fee. XXXX XXXX has not provided a regular monthly statement. I have tried to access my account online but they have blocked my access. I have requested my statements for the last three months and received a response to pay {$5.00} for each statement eventhough they have n't mailed the statement denying my right to review charges and credits! Elan Financial known as XXXX XXXX has failed to provide timely monthly statements allowing me the opportunity given other regular cardholders! There attempt to extort additional funds in exchange for statements never received leaves me suspicious of this unscrupulous financial institution. At this point I want my online access reinstated and paper statements for the entire year forthcoming without delay.

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 05-10-2016 about Mortgage (VA mortgage) with AmeriHome Mortgage Company, LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/2016 I called Amerihome Mortage and asked how to set up automatic payments thur my bank.They said it would be easy. ON XXXX/XXXX/2016 I got an overdue notice from they.I called and wrote and over phone check.On XXXX/XXXX/2016 they took out two payments from my checking account.I called on XXXX/XXXX/2016 and said I want my money back.They said they would send me back one payment.I got both back in checking .So on XXXX/XXXX/2016 I called them and wrote another check for a payment.For some reson that did n't get put in, so I wrote another XXXX on XXXX/XXXX/2016 to them.On XXXX/XXXX/2016 I got a call from them saying I still owed them two payments, i missed 04 and 05.I then faxed them my records .and was told I still owed two payments.ON XXXX/XXXX/2016 I got two calls from them, saying I still have to pay them two months payments.That day I think I talked to them 5 times.And they are not very nice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with JNR Adjustment Company, Inc (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: After disputing the validity of the debt on ( XXXX/XXXX/16 ). JNR Adjustment sent copies of documents with no proof that I contracted with anyone. See XXXX. Furthermore their is no proof that said company has been assigned this debt. I am contacting you presuit due to actions that violate FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Consumer Loan (Vehicle loan) with Hameroff Law Group, P.C. (AZ).
Issue: Problems when you are unable to pay

Complaint: I got a car loan from XXXX XXXX XXXX XXXX. At the time I could afford it and was making my payments. I lost my job a year and a half later ans went from XXXX to XXXX in one year. I turned the car in and was sued by Hamerhoff Law Group in XXXX They attached it to my home title and now I am becoming homeless. I called to do a settlement on XXXX so I would have enough money to move and still paying them XXXX but I was told too bad by a very snobby and rude assistant named XXXX. I asked her if there was any way of settling the account and she said no way and kept saying WHAT IS YOUR OFFER!!! ... .Remember I turned in the car. Not only that, I gave my brother and his family money to move for they have children. I can not believe that there is no compassion for people any more. I need a solution to be able to pay them and still have money to move. 
Thank you ...

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Other fee

Complaint: In the case of XXXX different credit card companies, I paid off my entire balance in XXXX 2016 and yet got charged finance charges/interest for this month, XXXX 2016. I called both Capital One and XXXX XXXX and was told, " interest charges accrue daily, were n't reflected in your balance due, so you still owe these fees. '' I paid them each around {$10.00} " interest '' but I do n't understand, how can one pay on time, pay off the entire balance and still get charged interest while having a zero balance? In the past, after I paid off the balance of a credit card, that was the end of any charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Ford Motor Credit  is deliberately evading my complaints. I have provided them with my information directly and through each of the major credit reporting agencies. I included copies of my credit reports when complaining to them directly. Each time they verified their reporting without demanding more information.  <P/> I then complained through this forum, and they responded with the outright misrepresentation that they could not address my complaint because they were unable to identify me. This time they insisted I provide my social security and my account number and did not address the merits of my dispute.   You responded by closing my complaint, thus allowing them to evade any review at all by you. This is an outrage! How impotent can the Bureau be???  <P/> The CFPB is useless if the company may blatantly lie and say they ca n't identify the consumer and that 's all that needs to happen for you to close and them to dispose of the dispute. Even if you ignore all the information I 've provided the company directly, through you I provided my name, address, email and date of birth, which is more than adequate for a 3rd grader to figure out who I am.  <P/> Lastly, I do n't know the " account number ''. My original complaint is that I do not know what this is about! If they can not tell me and match me up with a valid account number, their legal obligation is simply to remove the tradeline reporting it. Shame on them for giving me the run around and shame on you for not fulfilling your purpose and even trying to stop it

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (IN).
Issue: Incorrect information on your report

Complaint: Hello, i have a home loan ( mortgage ) thru ditech which i have paid on time all the time I have had it ; onXX/XX/XXXX, i received a call from " XXXX '' at Ditech stating I was behind on XX/XX/XXXXorXX/XX/XXXX Payment and instead of the usual {$780.00} I owed, the total was now over {$1000.00}! This happened also inXX/XX/XXXX when Ditech erroneously credited a different account my payment, then claimed I was late on that XX/XX/XXXX payment, after which they later sent a letter stating they were in error and had to credit my account and waived the late fee. plus they told me a different payment amount ( XX/XX/XXXX ).
Being in a protected class ( I am XXXX ) and having all my cancelled checks of this years mortgage payments in my possession, I contacted the mortgage company several times who said they were " looking into it ''. However, instead of investigating beforehand, they have added a slur on my credit report stating i was late, which is totally false.
I will also contact my attorney general about this problem/ below find attached the erroneous credit report. Also I can send copies of the cancelled checks that were all made on time.
This company 's bookkeeping and accounting practices are a disgrace!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Other debt) with MERCHANTS ADJUSTMENT SERVICE, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: " XXXX XXXX '' Date Opened : XX/XX/XXXX.Original Creditor : " XXXX ''. And " Merchants Adjustment Service '' Date Opened : in XX/XX/XXXX. I've Filed a FTC report of Identity Theft Report and sent it to all three bureaus. XXXX XXXX Or Merchants Adjustment Service Has not Validated This Acct with A signature or legal contract of acct being mine. XXXX XXXX has Deleted them items after my report and not validation. But XXXX said the acct will stay on record until XX/XX/XXXX. So I'm sending out another Validation Request and filing a complaint with the CFPB as well.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Credit card () with Atlanticus Services Corporation (FL).
Issue: Delinquent account

Complaint: I just checked my credit reports to only find out that my credit service, Fortiva ( The Home Improver Card ), reported my history over 30+ days late. I have never made a payment over 30 days late. I was a few days past the due date, by never went past the next due date. Their website does n't provide the required information ( amount past due ) or a PDF version of the monthly billing statements, or even a physical breakdown of what is due, etc. I have pictures that show what their site looks like and you have to guess the amount due, as you are not required to pay the next month 's amount until the next due date, but if you want to know what is due, you have to guess. Their phone system is horrible and when their agents call, they do n't tell you where they 're from, they just say " Account Services ''. I literally had to tell her to tell me the name of the credit card they are calling for as I have many retail cards. She said, '' Well you just made a payment to us on XX/XX/XXXX, '' and I said I have made multiple payments to accounts on XX/XX/XXXX. I told her I go by the name of the card. She finally huffed and told me it was for my XXXX credit card. I told her the payment was sent to be received on XX/XX/XXXX. She then told me that I could make a payment through their site, and I told her it does n't post for 5 days, unless I expedited it and it costs. She said that was incorrect information. I said I 've tried it twice and it shows that it would post right away. Come to find out it was because they had just received a payment and their system would n't allow another to be scheduled within 7 days. They need to get with the times and up to standards with the laws. I submitted a dispute with XXXX. I will submit the dispute with the agencies after I submit this with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/19/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (NC).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX : Called them regarding the escrow shortage letter that we received and it was promised that they would waive the late fee for XXXX 2017 of {$22.00} and plus sent clarification that the rise in the escrow payment would only be for a year. Neither of those have been done. We had a third party examine our closing disclosure and the escrow payments collected from and paid out by the mortgage service provider and not only are we not short but we have an excess of around {$1600.00}. 
Called again on XX/XX/XXXXand they have been unresponsive to our request for getting this cleared up so hopefully this will speed up the process.

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 03-10-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: MY personnel information was used to secure a student loan from XXXX XXXX by my son without my knowledge or permission, he is now in default and Naviant, who took over for XXXX XXXX, wants me to pay. I filed charges against my son for fraud sent all of the information to prove that the loan was fraud. They refuse to accept that this was fraud. I have sent them a cease and desist letter and told them if they think that I owe them anything to take me to court, they refuse to take this matter to court. They or other collection companies that work for them are harrassing me with calls and reporting to the credit reporting agencies that I am in default when I owe them nothing. If I could find a lawyer that would repersent me I would file a law suit. But lawyers only work for the wealth poor folk like me have no one to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Bank of America is a credit card servicer for the XXXX XXXX credit card. Bank of America advertises and promises zero liability for unauthorized charges, however it willingly fails to protect its clients from unscrupulous merchants who overcharge their clients accounts. Bank of America engages in deceptive marketing practices in promoting their credit card products. 

On XXXX/XXXX/XXXX an unscrupulous merchant overcharged our credit card {$480.00} after misleading us with the true cost of their services. 

We were promised and quoted by a XXXX XXXX XXXX XXXX representative on the phone for the rental car a total of {$30.00}. XXXX XXXX XXXX XXXX representative did make material representations as to the total car rental charges including taxes and fees on a recorded line. We returned the rental car in an excellent shape, no tolls, full gas, and no damage. However, the merchant single handedly decided to over charge us by {$450.00} quoting their " final audit '' policy. 

Bank of America, when contacted, failed to reverse the charge claiming their website is unable to accept audio files of a recorded conversation where merchant represented to us that the rental cost would be {$30.00} including all taxes and fees. 
And yet, the bank claims zero liability on their credit card marketing materials. Bank of America fails to protect their clients and purposely designs their site to hinder any such disputes or claims. 

It is our understanding that Bank of America cunningly engages in misleading marketing in promising zero liability. 

I am aware that in XXXX Bank of America was ordered to pay {$20.00} XXXX in civil money penalty to the CFPB and an additional {$720.00} XXXX In Consumer Relief for its Illegal Credit Card misstatements and promotions. http : //www.consumerfinance.gov/newsroom/cfpb-orders-bank-of-america-to-pay-727-million-in-consumer-relief-for-illegal-credit-card-practices/ I would like to kindly request that the CFPB carefully review the initial complaint, pool similar complaints about the misleading marketing practices and order the bank to pay the penalties and reliefs as appropriate.

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