milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/31/2017 about Debt collection (I do not know) with Debt Management Incorporated (ND).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On X/XX/17 I contacted this company to get written notification of the amount owed so I can secure a certified check and secure record. The person I spoke with refused to send me anything, saying letters were sent years ago to an address in Wisconsin. I explained I can not pay, but want to pay, but I need a letter. I asked to speak to a supervisor and he explained he was the director and I am not going to speak to anyone else. I want this off my credit report, he stated he does n't care if if I pay it off or not, and it could stay on my credit report forever, he just did n't care. His tone was overwhelmingly aggressive and intimidating, unprofessional and his tactics are terrifying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (I do not know) with The CBE Group, Inc. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: i recently looked over my credit report and noticed a collection account by CBE as I do n't recall signing any contract with a company by this name nor do I recall receiving any duns letter by them. so I send them a certified letter tracking number XXXX XXXX XXXX XXXX XXXX requesting for a copy of any viable evidence bearing my signature showing the account is being reported accurately. I also informed them as per FTC letter from Attorney XXXX XXXX XXXX you should be aware that a printout of a bill or itemized documents does not constitute verification. being that I have that right under the Fair Credit Reporting Act and Fair Debt Collection Practices Act but they have refused to send as well as mark my account as disputed within the 30 days which is a violation of my rights under willful noncompliance as per FCRA 623 ( a ) ( 3 ) Responsibility of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s- 2 ]

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Closing/Cancelling account

Complaint: Without Notice including but not limited to email ( s ), a AGENT from CAPITAL ONE BANK credit Card Dept. Closed the Capital One " XXXX '' Card.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Company posted a XXXX derogatory comment on my credit report. I have tried resolving this for three years. The company will not respond so that it can be resolved. The only time actual communication occurred was on the phone and they wanted me to give them my credit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Account opening, closing, or management

Complaint: I signed up for a PNC account on XXXX XXXX 2014. The promotion was for {$200.00} if I had a direct deposit of at least 700 dollars and XXXX bill pays per month. I signed up for the bill pay and the direct deposit. Prior to signing up i called customer service a few time to confirm the promotion. I was told that I should be set up and the promotion should pay in XXXX. I followed up at the begining of this month only to learn from an associate that the account is set up on a promotion to receive a 200 dollar credit for a 2,000 dollar monthly direct deposit. That is not the information that I received on the promotion. Nor is it what i was it the information that I received from the customer service representatives that I talked to. I did everything that was asked of me, and they changed the rules. I spoke to a supervisor and she told me that she cant pull the phone calls because the conversation was too long ago, she asked that I provide the link that I received the promo offer for. Unfortunatly, I no longer have the link ... 5 months later it is hardly likely that I still have the link that I went to to sign up. Its unfair to trick me into getting an account that charges me 15 dollars per month and not receive what was promised to me. I just want the credit that was promised to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit score as produced by Experian and reported by XXXX is incorrect. I filed a complaint ( case # XXXX XXXX with your agency to force XXXX to report the correct information to Experian. XXXX sent me a letter dated XX/XX/2016 XXXX page # XXXX of enclosure ) verifying my student loans are paid off. Furthermore, a representative from the office of the consumer advocate, XXXX, phoned me on XX/XX/2016, to confirm that my " zero balance '' was reported to Experian. However, my credit score is showing " the balance amount paid down on your open student loan accounts are too low '' ( seep page # XXXX and # XXXX of attached ). This information is false/inaccurate as my loans were paid in full as per the Navient letter dated XX/XX/2016 and as confirmed by the XXXX advocate on XX/XX/2016.

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 04/15/2017 about Bank account or service (Other bank product/service) with BNY MELLON, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: XXXX   XXXX   - Ban k of NY Mellon i s the financial institution that managed my  HSA  account while I was employed with my employer. I resigned from my employer  XXXX   XXXX  and still had a balance of {$46.00}. However, in  XXXX   XXXX  I noticed that   XXXX   XXXX   had deducted a " maintenance fee '' of {$3.00} in  XXXX ,  XXXX  and   XXXX   XXXX   XXXX   without my authorization and the company did not notify me. I called   XXXX   XXXX   to complain to the company, only to be given the runaround by two agents. The first agent I spoke with on  X/X/XXXX  intentionally hung up on me when I kept asking questions about why they were taking out fees. I immediately called back   XXXX   and wasted another 35 minutes with another agent. I disputed the " maintenance fees '' and requested a refund of {$10.00}. Ten business days later, on  XXXX / XXXX / XXXX  I called again and was told my request was denied by operations. They claimed there was a minimum {$1000.00} balance and my employer used to pay the maintenance fees. They claimed this fee schedule was sent to me via mail in my Welcome Kit? Although, they have no proof that I was sent this information.     I requested the operations denial decision in WRITING and they refused to provide me with this decision in writing. I asked  three  times, and then I asked to speak with a supervisor, and the  XXXX   XXXX  agent intentionally hung up on me. I called back and spoke with a customer service rep "  XXXX  '' and I asked to speak with the supervisor again. After 21 minutes on hold, I was finally transferred to supervisor "  XXXX . '' I asked again for something in writing via secure online message or hard copy letter regarding the reason for denial of my maintenance fees to be reversed, and she refused. She stated " wet just do n't send letters. We are n't required. '' I also supposedly had a {$.00} " overdrawn '' balance even though it was 0 balance when I spoke with  XXXX   XXXX  on   XXXX   XXXX   XXXX  . After much back and forth with  XXXX , she continued to refuse to provide me in writing why they denied my refund request of {$10.00} which is my PRE-TAX health savings money. I feel this is a shady operation that needs to be investigated for their dishonest practices, and I want my money back. I told her to close the account because otherwise  XXXX   XXXX  would continue to deduct the " maintenance fees '' from my account even though it had zero balance, and I am not going to continue contributing to the  HSA  account. I am not satisfied with the way my calls and account were handled, and I would like someone to investigate further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-12-2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have repeatedly requested Experian Consumer Assistance to remove a " XXXX XXXX '' who social security is quick different my my own, which is constantly hindering my credit approach to a better life. XXXX and XXXX got it right, still Experian has failed to correct the problem. See attached 8 page credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After receiving my credit report in XX/XX/XXXX, I noticed some unauthorized credit inquiries that was placed on my credit file. I contacted the Equifax credit bureau to whom was reporting the inquiries on XX/XX/XXXX, XX/XX/XXXX, and numerous times up until now, explaining to the agent that the inquiries was not authorized by me, asking that they be immediately removed. The agent specified that Equifax was n't allowed to remove inquiries, and that I had to contact the original creditors that placed the inquiries on my credit report. After talking with the agent, I contacted each creditor on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. Each creditor stated that they would remove the inquiries, but did n't know how to remove them, and that I had to contact the reporting credit bureau because they are the only persons that can, and know how to remove inquiries. I have since then contacted Equifax by phone and via certified mail, telling them that the creditors does n't have any open accounts or contracts with me and that the inquiries can be deleted. Still nothing has changed. I am not sure as to how these creditors obtained my personal information. It 's now becoming a back and fourth situation with both, the creditors and Equifax. Equifax saying that they are not allowed to remove the inquiries without a request from the creditors, and the creditors stating that they do n't know how to remove them and to contact Equifax. I really need these inquiries removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been requesting verification of the following accounts that Equifax continues to report on my credit file : XXXX XXXX, Tax Lien # XXXX, and Tax Lien # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, 2016. 
On Friday, XXXX XXXX, I directly called the XXXX XXXX XXXX number that is listed on my report at XXXX and spoke with XXXX agent ID # XXXX and she informed me that a security freeze was placed on my account as of XXXX XXXX, 2016. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. I have also attached Equifax 's dispute investigation of the results. 
On Friday, XXXX XXXX, 2016, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX and spoke with XXXX agent ID # XXXX and she also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, 2016. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as " reported '' as of XXXX XXXX, 2016. 
I demand that these public records XXXX # XXXX, Tax Lien # XXXX, and Tax Lien # XXXX are removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax 's so-called " verification '' on XXXX XXXX, 2016 WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying " the account is verified. '' I demand that these unverified accounts : XXXX # XXXX, Tax Lien # XXXX, and Tax Lien XXXX ARE PERMANENTLY DELETED FROM MY ACCOUNT. I also request an updated XXXX credit report showing the deletions. 
Please see attachments : XXXX security freeze confirmation dated XXXX XXXX, 2016 **Equifax dispute confirmation results showing that XXXX XXXX " reported '' and " verified '' on XXXX XXXX, 2016. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with REGIONAL MANAGEMENT CORPORATION (SC).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: you are not reporting the correct information to the consumer reporting agency i have giving you the correct information, but you fail to make the change.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: XX/XX/XXXX Dear XXXX XXXX XXXX XXXX ; American Honda Financial Services has sent a letter requesting payments for a XXXX XXXX XXXX Account # XXXX. The request to payments arrived from XXXX XXXX XXXX Account # XXXX dated XX/XX/XXXX. 
The debt refers to a XXXX silver color XXXX XXXX vin # XXXX. Plates : XXXX. This vehicle was returned to XXXX XXXX XXXX, CA on XX/XX/XXXX and the status of the vehicle was MINT with the lowest mileage for a vehicle of that year. Disputes were not made in the status of the vehicle. 
American Honda notified me by certified mail the XXXX XXXX XXXX was sold and profit was made out of the vehicle. However, I never received any money back from the difference of the sales. Honda claimed they had applied the difference profit of the sales to any outstanding credit in that vehicle. At the time I handed the vehicle to XXXX XXXX XXXX, the payment was up to date. The monthly payments were paid every month. I later received a letter stating the vehicle was sold and profit was made. I signed a release of interest in that vehicle and was mailed to XXXX XXXX XXXX. At that point there should be no standing debts. However, I see Honda is using a collection services to collect debts that have been closed. 
Attached are the letters and evidences. XXXX XXXX XXXX seems not to have updated the credit to the Credit Bureaus and have kept me as a delinquent customer affecting obviously my credit records and credit scores. 
I would appreciate your assistance in this matter. 
Sincerely. 

XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Managing the loan or lease

Complaint: I took out a loan with Santander USA on XXXX/XXXX/XXXX. I bought a XXXX Nissan Sentra through XXXX in XXXX TN. Since the very beginning of this loan, they have constantly stated the note is always past due. See my photo of the due date of my first payment ( XXXX XXXX, XXXX ). I was informed that I would never catch up because since my first payment was 45 days past the purchase date, I was already being charged over {$670.00} in finance charges. This is a total scam. Nothing they ever say makes any sense. I have made extra payments, made extra bulk payments and been harrassed about the car being repossessed. My rate is 24.99 %. When I bought the car, I was told I could refinance the vehicle in six months after on time payments. That was a lie. Santander does not refinance anything. I have paid close to {$30000.00} for this car that currently has a book value of {$4500.00} and I still owe over {$16000.00} on this car. Every month, they charge me a late fee but my payment is not late. Every month they also charge me an over a thousand dollars in late fees and interest. This is a simple interest loan which I did not know nor understand what that was and was never explained to me. I still do n't really understand how this XXXX XXXX company can legally charge me triple interest and late fees every single month.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I had a remaining balance of $XXXX in my account on XX/XX/XXXX or XX/XX/XXXX. My debit card along with other very important information was lost. I travel 70 miles each way to work daily, therefore, I stop at multiple gas stations along the way. I am unsure where my organizer/wallet was left. Bofa keeps denying my claim for many various reasons each time I appeal the decision. One reason was that I had to have known the person. Bofa cannot and will not tell me who I am acquainted with and who I am not. I worked with the police in my city, XXXX, GA. the officer sent me pictures of the perp and I told the officer I have never seen him. I can and will swear under oath in a court of law that I do not know that perp. Upon filing the police report the officer informed me that it was a few cases going around like mines. he also stated that if I had something to do with this that it would come back on me as well. I have been battling Bofa since XX/XX/XXXX for my paycheck and IRS refund that was deposited in my account on XX/XX/XXXX. I do not feel they should be able to apply my checks to the negative balance because the fraud was not my fault. another reason for denial is that Bofa states that they called, texted and emailed me of the fraud and I verified that it was me. That is a lie. if someone notified me that my account was being compromised, does it make sense for me to say, "ok, that's fine". I was not aware or informed of the fraud. the email they are speaking of was never opened. I still have the email in my archives. I told Bofa that I received many emails from them daily and did not open them. On to the text message. the phone number that Bofa had on file for me has never been my phone number. A Bofa representative told me that they called a XXXX I told the rep that I have never in my life had a phone number with XXXX. That is how I know I was not informed of the fraud. the reasons why Bofa has denied my claim are bogus. each rep has given different information totally opposite form what the previous rep stated. the person of interest in this case obviously knows/knew how to work Bofa system. Now, Bofa wants me to pay for their mistake and its not fair to me. Bofa let someone call with my very detailed privileged information,inflate my account, to retrieve false funds. I do not know the perp, so how am I responsible for this? I have been with Bofa since XX/XX/XXXX and have never filed any complaints. I have always liked banking with Bofa. since this incident I do not recommend anyone bank with them. there has been no evidence that I had anything to do with the fraud that was associated with 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 explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: I contacted this credit repository through a dispute letter dated XXXX XXXX, 2017 to dispute the INCORRECT and INACCURATE information being reported in my file. Attached to this complaint is a copy of my second letter I will be sending to this credit repository since Inaccurate and incorrect information are still reporting, from the status, payment history to the account opened and closed date and also the highest balance being reported. All these information are incorrect and inaccurate. This violates the FCRA.

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Receivables Performance Management, LLC (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX changed their account spending limit ( ASL ) fee which is a breach of contact therefor this debt should be removed. Other customers we allowed to canceled without penalty due to this change in contract, I am request this debt be remove from all three credit agency 's

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 01/23/2017 about Debt collection (Credit card) with Financial Credit Service, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX ( XXXX ), is attempting to collect on a debt that fell off my credit report several years ago. This debt is over 15 years old, and they 've called me five times this morning. I ca n't get them to send me written verification of this debt, and the credit card account number does n't match the credit card number that I had with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I payed Equifax to help with my credit My Social Security number is out on the web being sold or used by someone without my knowlage My name my address my account numbers my social security number My credit Are all at risk.or not I would like an ANSWER

Company response to consumer: Closed with explanation