milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Making/receiving payments, sending money

Complaint: I used a balance transfer check ( Hardcopy ) between XXXX ( XXXX XXXX XXXX XXXX XXXX ) and BOA ( Bank of America ). I was having computer issues so I ended up having to drive out of town to submit in person. The teller at XXXX accepted the check. After I did that I came back to my local library and tried to confirm it online. Their printers were offline so I could't create a record. I have also reported issues long ago in a previous case. ( XXXX XXXX XXXX XXXX XXXX ) When I was able to successfully log onto online banking it reads as the balance transfer went through except it charged me XXXX. It entered it on XX/XX/2016 instead of the day I gave the bank my balance transfer check in person. ( XX/XX/2016 ) Then they sent a check to my bank and it was also dated XX/XX/2016. I have yet to return it to Bank of America. The real problem here is the balance transfer online with Bank of America reads as is the balance transfer access checks read as XXXX XXXX. I do NOT currently have an active account, credit card, or savings account with XXXX XXXX. The past issue with them had also to do with an employee, credit protection, and activation of XXXX or more credit protection plans as well as inappropriately using my debit card at another bank ( XXXX XXXX ). I have reported many things about my name and mail for a long time. I hope if this is the person using my name that you can catch the person using my identity. I am also signed up for identity theft protection currently and all of my children and I have protection underneath all the protection plans currently. XXXX, XXXX and I also had an event with the XXXX XXXX website as well. My reset password function showed myself and someone else 's name. XXXX XXXX at XXXX XXXX to my email XXXXXXXXXXXX. The Washington XXXX website ended up firing XXXX employees with the State of Washington XXXX XXXX XXXX and her brother who was an IT Technician for sharing confidential patient information between each other. I would like this to go to the appropriate agency so I can claim money from my long term issues involving my life and also claim issues for my children. Both are currently considered XXXX now but this has occurred so often as well as prior to them turning XXXX. This is just the latest issue and I want it all to stop as soon as possible. Very XXXX and it has affected the quality of my life. 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 07/28/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX ran a hard inquiry on our Experian Credit Account without our authorization. We never heard of this company before. We called XXXX XXXX as recommended by Experian but they do no want to assist in getting this unauthorized Hard inquiry removed from our credit report. This is FRAUD.

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 09-01-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: RE : Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, VA XXXX Portfolio Recovery sent notice of a fraudulent debt.Attempted to collect on unsubstantiated or inaccurate debt. 
I sent denial is writing within the first 30 days. They called repeatedly and harassed over and over even after being told to halt. Pressured me to make payments using misrepresentations Relied on misleading, robo-signed court filings to churn out lawsuits Misrepresented their intention to prove debts they sued consumers over.They sued and lost in court. 
They still keep reporting this false debt every month to credit reporting agencies. 
Sued me for past the statute of limitations.Statue of limitations expired years ago. 
Violate federal law repeatedly Criminal company needs to be put out of business. 
I want PRI to remove all negative trade lines in all credit reporting agency immediately Thanks you,

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I HAVE REQUESTED INFORMATION ON THIS ACCOUNT SEVERAL TIMES, ASKING THEM FOR THE METHOD OF HOW THIS ACCOUNT WAS OPENED AND ALSO THE ORIGINAL SIGNATURE ON THIS ACCTOUNT. THEY REFUSED TO SEND ME ANYTHING KEEPING ADVISING THAT THE ACCOUNT IS SOLD TO ANOTHER LENDER. SO WHY IS IT STILL BEING REPORTED TO THE CREDIT BUREAU BY THE COMPANY AS LATE.NO VALIDATION AT ALL SENT TO ME LIKE REQUESTED SEVERAL TIMES..

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Medical debt) with CBA of GA, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: CBA reported false info on credit report. Debt was paid in full and balance is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Multiple inquiries are on my credit report that have been attempted to be removed as unauthorized. XXXX inquiries occurred during an extended fraud alert being placed on my credit report with transunion. Which holds transunion responsible, I 've attempted to get these removed by the companies and the creditor with no success. Just to be told that they are valid, when in fact they are not. I 've asked XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX for proof of the inquiries. such as drivers license, passport photo id, and any pertaining information to validate these inquiries. No such evidence has been provided and transunion has failed to validate these inquiries and remove them on mulitple instances. Please assist. 

Inquiries in dispute are XXXX  XXXX XXXX, which occurred during a security freeze on my credit profile, was unauthorized on XXXX/XXXX/XXXX. 
XXXX XXXX - on XXXX/XXXX/XXXX which was unauthorized. 
XXXX XXXX XXXX XXXX, Which was unauthorized on 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 03-07-2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a bill from the original source XXXX XXXX XXXX account # XXXX. I wrote a letter to them asking for an itemized bill and to please re-submit the claim to XXXX XXXX because I had exceeded my out of pocket expenses for the year. They did neither request. I was then contacted about aq month ago from a woman saying she was collecting a debt. I told her the same information. She asked for personal information to be confirmed because she would be having the company sending me medical information. I received nothing from her or the company. Yesterday I received a letter from Transworld Systems Inc concerning this debt with the amount claimed and the company on it. My wife and I went to buy a car on XX/XX/XXXX/17 and I was told that my credit score had gone from an XXXX to XXXX because of this " debt collection ''. At no time have I refused to pay. I asked that it be submitted to XXXX XXXX again. At no time was I told I was being put in collections. This company XXXX sent me a bill with no explanation. I have never contracted with them for anything and they are paid by XXXX XXXX XXXX XXXX, MO to read XXXXs and XXXX. They then bill the patient for the difference between their full charges and what XXXX pays them. At no time in the process does anyone explain that a patient must pay the hospital, doctor and then another bill for the same service. 

I have had a 40 year history of excellent credit ruined by Transworld Systems because it was easier to ruin my credit than to answer questions or provide information. I would like my credit restored, and for XXXX and XXXX to submit the bill back to XXXX XXXX to be paid. At this point I have been severely punished for something I only wanted them to do their job..

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: To whom this may concern, I am writing to express some frustrations with my dealings with Equifax that has negatively impacted by ability to live my life and gain access to financial services. Specifically, Equifax has refused to provide copies of records, actions, and documents they relied upon during their investigation of a collections account marked as " XXXX XXXX XXXX ''. Which is a violation of California and Federal laws that state the consumer has the right to receive copies of the information the credit reporting relied upon in making their investigation determination. Previously, I have voiced my concerns to Equifax and in my original dispute letter I asked Equifax provide copies of the documentation that they relied upon during the investigation. However, Equifax has not responded to those requests. I also contacted and submitted a debt dispute directly to XXXX XXXX XXXX but they neither confirmed nor responded to my dispute and request for more information. As it stands now, both Equifax and XXXX XXXX XXXX are stating that the information on my credit report is valid but they have refused to provide me with any documentation, let alone a signature card, to show that they investigated these issues and that I am actually responsible for this debt. I have also asked XXXX XXXX XXXX to cease and desist contact with me but have continued to receive calls and collection letters. I respectfully reiterate my request that both Equifax and XXXX XXXX XXXX provide me with full verification of debt, with signed and dated signature cards accompanied by the full consumer contract and a history of the account statements. This information is needed to verify the validity of the debt. Equifax and XXXX XXXX XXXX can review my previous correspondence for more details on what information I am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NY).
Issue: Managing the loan or lease

Complaint: In XX/XX/XXXX, I had some unexpected expenses. My car payment for the month was due on XXXX/XXXX/2015. Due to an out of town family situation, I did n't call Ally until XXXX/XXXX/2015 to request a deferment on my account. Up to that point I 'd had a perfect payment record for at least a year so I was immediately approved for an extension, 1 month per my request. I verified my information with Ally. As I have a physical address and PO box , I requested that it be sent to the post office. As a condition of the extension I made an immediate payment of {$170.00}. The actual amount to be paid was {$170.00}, but due to the language barrier, I was n't clear on the specific amount. I was then supposed to wait for my paperwork in the mail. By XXXX/XXXX/15 I had not received it. I called and talked to many representatives who said it was mailed. I was concerned about completing the transaction prior to the 20 day period of the extension terms. After many conversations, a copy was faxed to me. I immediately signed it and faxed it back. I watched my account to see if the extension was reflected, again getting nervous about the deadline and any impact to my credit. Again, after several conversations, I was told it was recieved so under the wire, I made the final payment of {$230.00} ( {$230.00} was the intended payment ) which would have been for the XX/XX/XXXX payment. I would then go back to my regular payment of {$590.00} for XX/XX/XXXX. Upon checking my account for my XXXX payment, I found a past due amount of {$170.00} with a late fee of {$29.00}. Again, after many conversations Ally reps have aknowledged that since the original document was sent to a PO box , that it was not valid. The payment I made to start the process for the extension was not applied to the extension, but my XX/XX/XXXX balance. I have spoken to a myriad of representative in the U.S. and even a manager in collections who acknowledges that this is what happened. They argue with me that I owe this when the copy of my extension agreement indicates no other charges. The last manager I spoke to, a gentleman named XXXX, said he would look into the situation and get back to me. This over the peiod of 2 months is still unresolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/17/2016 about Consumer Loan (Installment loan) with BB&T CORPORATION (KY).
Issue: Managing the loan or lease

Complaint: I went to pay off my loan with BB & t, they told me they would not accept my payment. that I had to request a payoff and go through process. I had submitted for payoff. this was a branch manager that was going to hand me back my payoff checks and not payoff my loans. She ca n't refuse me this. A teller did take my money but for a manager to act this way was inappropriate

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 04-04-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NC).
Issue: Managing the loan or lease

Complaint: XX/XX/XXXX I financed a XXXX XXXX XXXX through Ally. I have attempted to to pay off the note by paying and sending an additional check each month. I have spent more time trying to get them to understand that they are applying the money I send incorrectly. For the past few months I have had a balance of {$52.00}, {$27.00} and {$2.00}. They have taken my payments of {$300.00} of which on {$270.00} is the original note due amount and applied {$270.00} towards finance charges on the total amount due. I have sent a total of {$900.00}. How they can charge me {$100.00} in finance charges on {$2.00} I do not know. I have been on the phone an additional 45 minutes this morning trying to talk to someone who can apply the money I am sending correctly. They continue to tell me that it is a daily interest rate on the balance of the loan. But if I have an invoice that shows that I only owe {$2.00} for the month, how is it legal for them to use the money that is left over for finance charges? I would really appreciate some help with this. I have not been late or missed a payment since the loan originated. In fact I have paid early on over the invoice amount due.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I like it, but I edited it a bit more : Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Payday loan () with LDF Holdings, LLC (WA).
Issue: Charged fees or interest I didn't expect

Complaint: I have made my payment in full before the terms ended so that i would not have to be charge excessive fees for carrying out the loan to the full term and when i paid it i almost paid double from what was loaned which was {$600.00} and i ended up paying {$1000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX continues to list a fraudulent account on my XXXX credit report and refuses to provide sufficient proof of my ownership of the account. I never opened nor used this account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Debt collection (I do not know) with Ability Recovery Services, LLC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Requested proof via certified mail.Never received any documentation. Never was informed or validated. Falsely reporting the open date on my credit, when it is years old. Violation of the FCRA. Refused to provide me any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have not authorized a series of inquiries that are showing up on my Credit report and am disputing them. All the listed companies that have requested a copy of my credit report on the letter attached do NOT HAVE my written authorization to view 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 10/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I went thur a separation from my wife in XXXX of XXXX I work as a XXXX so I was layed off the summer when I returned to work I made payments but was behind and the payment I made XXXX/XXXX/XXXX was returned to me i hired a lawyer In XXXX submitted paper work they work with no gain til XXXX with no gain the XXXX closed their doors I started talking with my relationship manager # XXXX and seveal other managers as when to you call to speak with them he is busy ad you speak with someone else which is confusing as of my last appointment date XXXX XXXX everything was good then XXXX XXXX the sheriff put a notice on my door ocwen says there is no sale date and is sending e-mail conformation that no sale date is pending talk to forcloseure lawyer there is one cuz the want me to pay to bring account current so now I do n't have the money to do so and feel this system sand bagged me with lies scams ive file a complain before and that only made things worst so thanks for letting me vent cuz as far as I know XXXX XXXX is sheriffs saling my home on XXXX/XXXX/XXXX this was postponed 3 times already so im at a state of total confusion my job just is not good for them but payed 12 yrs of arm payments to them ocwen loan # XXXX XXXX XXXX XXXX division # XXXX XXXX thanks for not XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Bank account or service (Checking account) with VALLEY NATIONAL BANCORP (NJ).
Issue: Problems caused by my funds being low

Complaint: We have a account at Valley National bank in new jersey, we are in retire community in XXXX nj, the branch that we got our account is there n close to us the complaint is every time we deposit or transfer money from our savings to cover some bills that i see is missing the money to cover those bills including pennies they charge us $ XXXX.every time including XXXX in same day for another bill not even when i trasnfer the money early in the morning before banking hours they still charging us {$35.00} for late fees we got other banking institutions n they never charge us when we put the money to cover bills on the same XXXX hours this bank is reapping seniors of their savings like crazy i just got charge XXXX {$35.00} for XXXX bills that i put money before they open for bank hours. please stop this institution from taking money from seniors!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX XXXX : XXXX XXXX Account # XXXX XXXX  To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. I request to be notified of the outcome of this correspondence? 
Thank you Sincerely,

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 01/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AFNI INC A DEBT COLLECTION COMPANY ADDRESS XXXX XXXX XXXX IL XXXX REPORTING INACCURATE INFORMATION TO MAJIOR CREDIT ANGENCY HOW ARE THEY VERFIED? THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Vehicle loan or lease (Loan) with Waypoint Resource Group, LLC (DC).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: The vehicle which is a XXXX ( XXXX ) XXXX was repossessed due to the difficulty to pay the note which included a 24 % interest rate. I was told that the rate was 22 %. I attempted to sell the vehicle but the value was low. The vehicle was taken in XX/XX/XXXX and sold in XX/XX/XXXX. I was not aware of the sale date as the lender -XXXX told me that the vehicle would be sold in XXXX. I could have gotten it out of repo status but I thought it was sold. 

Now the debt has been sold to WAYPOINT XXXX AND THEY WANT ME TO PAY {$12000.00} and will not accept anything less.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation