milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: My credit card account with Bank of America ( BOA ) ending in XXXX was paid in full and noted as a {$0.00} balance as of XX/XX/XXXX. On XX/XX/XXXX, I was charged XXXX. XXXX in interest. I contacted BOA on XX/XX/XXXX in an attempt to understand why this interest was charged to my account. I spoke with several representatives who failed to give me a satisfactory reason for the interest charge on a XXXX balance. I was repeatedly told, " the interest is charged on the back end. '' To gain clarity, I asked to speak to a supervisor. I was transferred to supervisor, XXXX XXXX, who was very rude and unaccommodating. XXXX was blunt and rude and refused to make any adjustment or provide any credit to my account although I've been a loyal customer for several decades. XXXX repeatedly indicated, " interest is charged on the back end. ". I've had previous BOA credit card accounts and after paying the balance in full, I was not charged interest " on the back end '' as I've been told. Please see the attached statement that supports this claim.

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 10/19/2017 about Mortgage (Conventional home mortgage) with AMERINATIONAL COMMUNITY SERVICES, INC. (CA).
Issue: Closing on a mortgage

Complaint: Amerinational Community Services Inc., XXXX XXXX XXXX, XXXX CA XXXX is not only a fraudulent company but also the loan servicer for the City of XXXX XXXX, CA who is the second lien holder on my mortgage which was refinanced on XX/XX/XXXX. The City of XXXX XXXX had earlier on modified my loan balance from {$30000.00} to the new balance of {$35000.00} with payment due on XX/XX/XXXX way back in XXXX due to the job loss I had when I was unable to keep up with payment. The modified balance was {$35000.00} taking into account the missed payments and late charges at the time. 

At the close of the refinance escrow on XXXXXX/XX/XXXX, I noticed from my closing statement an extra late charge of {$620.00} including the total pay off balance of {$36000.00}. I contacted Amerinational Community Services Inc., the moment I noticed the extra charge on XX/XX/XXXX to request for the refund in escrow of the {$620.00} and they refused. I had since XX/XX/XXXX been calling them since but to no avail. Could you please help me to recover my {$620.00} from these fraudsters called Amerinational Community Services Inc. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called my XXXX year old mother and upset her. She started crying uncontrollably They called my brother who work 24 hours straight. They left several messages for me saying they could help with my problem but never left company name. Called my in=laws.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Payday loan, title loan, or personal loan (Payday loan) with TrueAccord Corp. (TX).
Issue: Charged fees or interest you didn't expect

Complaint: We have been retained by XXXX XXXX XXXX for a limited amount of time to help you resolve your late balance of {$770.00} with a default date of XXXX XXXX, 2016. XXXX XXXX XXXX sent us your information in order to collect this overdue balance. 

We request that you make a payment and resolve your balance. 

Please click here to view your payment options. You can also respond to this email with any questions. 

Regards, XXXX XXXX XXXX ( XXXX ) XXXX Copyright XXXX TrueAccord XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: During XXXX 2015 I went to XXXX XXXX at XXXX XXXX XXXX ( XXXX, Tel XXXX to purchase a car, they requested credit approval ( Hard Inquiries ) to XXXX Banks or Credit Unions. The XXXX XXXX requested with Reliable was approved in the amount of XXXX. I learned that I had XXXX approved since the day one when I visited " XXXX '' ( The car dealer that sold me the car I have ) " XXXX '' immediately used the Reliable approval and financed the car to me. 
The Credit lady at " XXXX '' told me, BUT XXXX YOU ALREADY HAVE XXXX. APPROVED! and Reliable was the first bank XXXX requested approval from. 
On the other hand I do n't know why XXXX XXXX requested so many approvals without telling me and without my consent!. I was sitting there and they did n't tell me about all these wrongfull moves they were doing. 
I 'm guessing XXXX did n't tell me because they did n't have a used car in that amount. So they went ahead without my approval and requested credit to XXXX other banks. They only asked me if the could call XXXX and A XXXX XXXX in XXXX XXXX, XXXX. The other credit approval requests ( Hard Inquiries ), I did not authorized these. I called that evening and asked XXXX and XXXX XXXX to call Transunion and Delete those credit approval requests that I did n't even knew they were making. They told me that the credit lady said she would call, but never really called Transunion. These Hard Inquiries are showing on my Transunion report and need to be deleted immediately. I swear I called and they told me that they would delete all those Hard Inquiries made without my approval! and maybe if I had already been approved {$9500.00} they should also request deletion of request made to XXXX and to the XXXX XXXX XXXX XXXX. These wrongfully hard inquiries needs to be deleted inmediately. Another phone number I have for XXXX is XXXX. 

When I went to " XXXX XXXX '' within that same week. immediately they checked with Reliable and told me I had XXXX approved alreadyXXXX XXXX XXXX needs to request deletion of these hard inquiries : XXXX XXXX XXXX/XXXX/2015XXXX XXXX XXXX/XXXX/2015XXXX XXXX XXXX XXXX XXXX/XXXX/2015XXXX XXXX XXXX/XXXX/2015 ; and the approval request to XXXX should also be deleted because even though I approved it, it was done with positive Credit Approval on hand by Reliable Auto!! 
XXXX approved by Reliable was brought to my attention by the Reliable Representative at " XXXX XXXX ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Fair Collections & Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX The collection agency is aggressively attempting to collect a debt that does not exist for the amount of {$200.00}. I have submitted documentation that show that amount was paid in full on XXXX XXXX 2015 to XXXX XXXX XXXX XXXX .The collection agency continues to contacts me weekly, for the said amount and has recently reported the non existing debt to the credit reporting agencies. They have made no attempt to fix their mis communication and have become increasingly aggressive in their tactics

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (I do not know) with Premier Portfolio Group (UT).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On XX/XX/XXXX I submitted a complaint with the CFPB against PREMIER PORTFOLIO GROUP ( complaint number XXXX ) and the company responded on XX/XX/XXXX indicating " Our company will close this account, and cease and desist all further communication with the consumer. '' I received a call yesterday XX/XX/XXXX claiming, once again, that " a bad check was placed with their office attached to my name and account number '' telling me to call XXXX which corresponds to PREMIER PORTFOLIO GROUP. Clearly they did not cease and desist communication OR close my account and i'm being hassled by them again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I disputed a balance with XXXX XXXX XXXX XXXX for a auto loan in the amt of {$27000.00} thats being reported on my credit report. i received a notification that the dispute was completed. after reviewing the results and viewing nothing had changed i contacted transunion and spoke to XXXX i explained to her the information was being reported incorrectly and i wanted it corrected, she informed me that a credit report was being mailed out. i explained the information i received had today 's date but still was incorrect. she hung up on me and i think that is RUDE!!!! i called back to speak to a supervisor i got her on the phone she claimed she was a supervisor i asked her for her last name she stated it is Page. I do n't believe her but some research needs to take place this is totally unacceptable she need to be reprimanded. i want this issue resolved ... my file number is XXXX please expedite this matter as quickly as possible. thanks

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 03-04-2016 about Payday loan () with LDF Holdings, LLC (IL).
Issue: Charged fees or interest I didn't expect

Complaint: I have gotten a with Radiant Cash for {$400.00} XX/XX/XXXX. I pay {$47.00} every week. I had miss only one which is back of this loan. I had emailed customer service on a payoff amount. They emailed me back with {$350.00}. I really do n't think my payoff is this amount. I had made close to over {$600.00} to them which they already made a profit on me. The loan goes to XX/XX/XXXX. How can a payoff be this? They claim the high interest. This loan should be less than {$200.00} for a payoff. They are ripping us consumers off. I will never go and get any payday or cash advances again in my entire life. I need you to help me if you can. My loan started XXXX/XXXX/XXXX and that was first payment and the last payment is XXXX XXXX XXXX. Loan Id. XXXX. I want to pay these people off but what they are telling me a what I still owe, no way.

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 monetary relief
Consumer complaint received 04/24/2017 about Debt collection (Medical debt) with Medical-Dental-Hospital Bureau of San Antonio (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I noticed that I had a debt collector on my credit report. But I had insurance at the time of the visit. So, I hired me a consum er investigator to look into the debt and why is Business Professional Services is on my credit report. Aft er the research was done it was a medical bill with  XXXX   XXXX   XXXX . So, a visit was made to the clinic to find out why did I have a medical bill on my credit report. They looked into their records and found out the bill was actually paid by my insurance. Now, I the collection company will not remove themselves from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: Under the new law effective XXXX 2017 any public record data must include name, address as well as SSN and DOB in order for it to appear on your credit file not to mention it should also be verified. XXXX  and XXXX has removed this incorrect information from my credit profile. Transunion has failed to update the information and per the new law true bankruptcy listed does not contain this information and should be deleted from 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 03-12-2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a property in contract for sale scheduled to close by XXXX XXXX, 2016 to a qualified buyer. At the same time, there is a Trustee Sale on the property scheduled for XXXX XXXX, 2016. I requested Ocwen ( the lender ) to postpone the TS for XXXX weeks. I told them they will be paid in full ( this is a line of credit on the property ). They said they ca n't do anything about it at this time and ask me to call the attorney 's office who is handling the sale to see if they can do something about it for me. I talked to the attorney 's office and they said it is up to the lender to decide and sent me back to talk to the lender. I was given a Relationship manager name of XXXX XXXX and a phone number to contact her at XXXX XXXX XXXX. Unfortunately, no one by that name ever answers the phone. I have been calling several times and each time, a different person would tell me to do this and that but no one seems helpful. I understand the lender wants to be paid as soon as possible so I do n't understand why they are not interested in helping me out so they can get their money.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX 2017 I filed despites on 4 student loan accounts and XXXX, XXXX, Experian, Never investigated or tried to fix the situation. They did n't delete the accounts that 's past 7 years they did n't fix the amounts they just add remarks on there.satating that they contacted the company which they did n't because I contacted the company.

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 10/20/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: Hello, My wife and I refinance our car XX/XX/XXXX with Santander USA. XX/XX/XXXX we paid the car off and received new XXXX, release of security note. We sold the car to XXXX XXXX XXXX and since the car was sold XXXX more times. I went to the DMV and received the print out of title. We have submitted it to all credit agencies numerous times and call Santander. Santander will not update there system and keeps reporting the wrong information. This causing us great harm. We are trying to buy a home but with this wrong and malice act by Santander the bank wants us to put more money aside for the loan which we cant afford. 
Please help!!!! 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX [ XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ] has pulled a REGULAR INQUIRY on XX/XX/XXXX and XX/XX/XXXX, without my consent. I am not a XXXX XXXX credit card holder. They also pulled a INQUIRY ANALYSIS on XX/XX/XXXX, utilizing a very old address of mine ( over 10 years old ) : XXXX XXXX XXXX XXXX, XXXX, MN 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 07/20/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone else 's address, misspelled my old address and someone else apply for cell phone account. This cause my hard inquiries to increase, need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: I called in to customer service to report XXXX fraudulent transaction on the exact same day. I was told by the representative to wait until the transaction post because the merchant place a hold on the funds. After waiting the 2 days I called in to report that I had been charged for XXXX transaction that I did n't authorize and was told to complete a dispute regarding both transaction in question. I completed the dispute and followed up many times to check the status of the claim. I was told several times that that merchant has not responded and it may take up to 45 days. However I asked the representative why every time I call in the fraud department they would transfer me to customer service and she stated because they filed the claim and not the fraud department. After the dispute was over I received an email that the merchant provided information to support that the transaction was valid and I would not receive my funds. I was told by the representative that the agent that took the claim filed it as a billing error and not a fraud claim. The representative stated that she would email the dispute team to have them to re-open the claim. I called back to follow up and was told that they had decline to open the claim and I would not receive a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OH).
Issue: Problem when making payments

Complaint: We have automatic debit setup to repay our loan. Payments are drafted on the  XXXX  of each month. A telephone call on  X/XX/2017    asking to post-pone the  X/XX/2017    draft until  X/XX/2017    was denied. I was told we must call 3 days in advance to alter our automatic debit payment and my call on  XXXX  was too late. I asked if this was communicated to their customers? The representative said " does n't know. '' The rep attempted to cancel/post-pone the transaction but it still went through and I was assessed an overdraft fee of {$37.00} by my financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received an alert through my creditwise monitor account from Transunion stating my account is derogatory as of XX/XX/XXXX ( it was just updated to an improved account on XX/XX/XXXX ) ..that the lender reported it.. I called today XX/XX/XXXX to XXXX XXXX credit reporting department and was told my account is current and no past due amount and this information was reported to the credit bureau i then called Transunion three times today XX/XX/XXXX saying that I needed to contact yhe creditor 1st call she pulled my account with no problem 2nd call back i was told im a victim of fraud and my account can not be access and the rep gave me a number to call which i did to be ask do i want to place a freeze on my account if I Feel like im a victim of fraud wait what?? I was just told by your last rep i was but now you saying you apologize for the the inconvenience ok so i go on to explain why im calling again to be told to contact the creditor once again i explain ive already called and was told they reported the correct information that i needed to call the credit bureau i have statements showing my payment was on time and my account shouldnt went back negative 12 days later i would like this corrected by whomever isnt updating this correctly ive worked hard to get my credit back on track and to get bounced around from creditor to credit bureau and vice versa

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 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: XX/XX/XXXX I sent a 609 form stating for them to send me proof that the account or mine and just going to say they verified them I have yet to get proof from them.

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 03-04-2017 about Bank account or service (Checking account) with TCF NATIONAL BANK (TN).
Issue: Problems caused by my funds being low

Complaint: TCF bank charged me overdraft fees for over {$500.00} for a nsf of less than {$20.00}. They had never formally notified the customers of this change of fee, either by posting, letters in the mail or advertising. I was not aware of this ridiculous amount until I reviewed my account for the balance. I had written letters to them but never got a response. I had to pay off the fees and close the account to avoid being flagged for future banking business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation