milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been a member at this gym for a number of years. Recently, due to the XXXX and a job that requires a great deal of travel, I have not had the ability to use my gym membership. I continued to allow myself to be billed for a number of months. A few months ago my credit card expired and the local gym manager ( I do n't have his name ) asked me if I would provide him a new XXXX. I said I would like to cancel and explained my situation to him. He said " ok '' and hung up. A XXXX later, a new gym manager called and asked me to provide a new credit card. I explained what the prior gym manager told me and he said that was not a valid cancelation and that I would need to go in to the location and physically cancel. This is not an option for me. I then contacted the gym ( local and national office ) and provided them a written cancelation, which was not honored. I finally was forced to take the step of putting a stop payment on the payment with my bank because despite my revoked authorization, they kept pulling money from my account illegally. Today I received XXXX calls from a rude debt collector. At this point I feel that XXXX XXXX is preying upon my family. They are trying to send me to collections for a service I canceled in writing. 

Furthermore, there was no extension of credit. This is an extremely deceptive and abusive practice.

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

Complaint: My personal information was leaked by Equifax due to inadequate cyber security measures.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Vehicle loan or lease (Lease) with U.S. BANCORP (WI).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: My XXXX lease ended in XX/XX/XXXX or XX/XX/XXXX. I turned the car in a few days before the end of lease as I was leaving on vacation and had chosen the next car to lease. I have leased many XXXX ; this may have been my fifth or seventh lease. I have never been charged for excess wear and tear. Again this XX/XX/XXXX, I was told that XXXX XXXX had looked over the car and was willing to accept it with no additional charges due to the careful way I keep " my cars. '' I had had scratches and small dents repaired twice during the time I leased it and also purchased new tires in the fall of XX/XX/XXXX before taking a trip. Returning the leased car has never been a problem ; I have simply returned it to XXXX or the predecessor owner of the XXXX, WI., XXXX dealership. I believe I was told that XXXX would ( probably? ) be purchasing the car I was turning in and they knew the condition of the car in response to my telling them I had received a letter or call stating I needed to have the car evaluated by the bank ... so I could ignore that call. <P/>But then I began receiving letters from USBank starting that I owed them {$1500.00}. This came after I had turned the car into XXXX XXXX. They listed small scratches ; it appears they expect me to turn in a car that is completely untouched after a three year lease. <P/>I have talked with the sales person and the sales manager at XXXX XXXX in XXXX, WI., and they have said XXXX would deal with it. But I have had difficulty reaching those people again/or getting them to return telephone calls. I have given them weeks in between calls to have some information to give me. I have no reason to believe they have done anything regarding this problem.

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 08/25/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I sent Equifax all information on tax lien from XXXX XXXX XXXX I sent youConsumer Federal Protection Bureau this informationCase # XXXX where tax liens were reported in error Equifax only put mystatement but did not remove CFTB has this information it was sent toyou by me XXXX removed from file Equifax has not removed only XXXX and left the other with my statement I want it removed and for CFTB to view supporting documentationI sent you back in XXXX XXXX 2014 CASE # XXXX sent you this information Consumer federal trade bureau XXXX XXXX 2014

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America ( BOA ) misrepresented certain facts, Made oral promises that they have failed to fulfill and induced me into legal action which was detrimental to my legal interests and financial future. During the pendency of my divorce in 2010, BOA representatives advised me to sign a Quitclaim Deed so that my ex-husband could keep the house and sign the mortgage modification. They led me to believe that I would be removed from the mortgage after my ex-husband XXXX XXXX has successfully paid the mortgage for a year on his own. ( I have an Affidavit signed by XXXX XXXX ). I was never advised to speak with a lawyer before signing the Quitclaim Deed. BOA then subsequently agreed to a mortgage modification for my ex-husband due to the reduced earnings in his household post-divorce. That mortgage modification was agreed to and signed by my ex-husband after the divorce was finalized. Despite the fact that I was not a signatory to that agreement, BOA has continued to hold me responsible for that mortgage. BOA has never released me from this mortgage obligation as the representative stated would occur ( I have a confirmation email to BOA rep by XXXX XXXX ). Moreover, BOA then sold the mortgage to XXXX who continues to hold me responsible for a modified mortgage I never agreed to and to which I do not hold title due to the advice of BOA reps who told me to sign the Quitclaim Deed. As a result, I have suffered financially. I have been unable to individually purchase a home and qualify for a mortgage as a result of the misrepresentation and improper legal advice provided by a non-lawyer representative from BOA Despite many years of my ex-husband paying the mortgage on his own, and despite recent attempts on my behalf by my lawyer, BOA still refuses to release me from this mortgage obligation ( absent long and expensive litigation against BOA ). Nor could a family lawyer convince the Court to force my ex-husband to refinance. Nor do I have standing to file a Petition to Partition the property to force a judicial sale ( since I am no longer on the title ). Therefore, if my ex-husband never sells the property I am saddled with financial responsibility for this mortgage for the rest of my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 10/30/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Settlement process and costs

Complaint: On XXXX Bank of America sent a notary to my property @ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX for me to sign DEED IN LIEU paperwork. 
Bank of America has not submitted this paperwork and has reported the property as " abandoned ''. 
Bank of America has forced me out of my home that I built in XXXX, ruined my credit, and caused me undue amounts of unnecessary stress related health issues. Bank of America has harassed me to no end while trying to work out this issue. They were supposed to modify my mortgage, then turned around and SOLD my house! I got that issue resolved and then they still have n't ended this nonsense. Earlier this year, I thought filing bankruptcy was the answer, however, I rescinded that option. I thought signing a Deed in Lieu would bring me some closure with Bank of America and it has not. 
Please, can you help me with this situation with Bank of America.

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 03/16/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: i told them many times to stop calling they stop and now are are robocalling me

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 10/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Cash advance

Complaint: My credit card bill wont go down and I 've never miss a payment. I call my credit card bank which recently changed their name and they tell me that I did a cash advance for {$84.00} before 2009, I just learn what a cash advance is. I told them to give me a copy of the transaction and they claimed that they dont have it to call the old company and vise versa. Im a XXXX that really doesnt know that much of banking. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Debt collection (Medical) with P.S.C., Inc (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have recently learned that I have become a victim of identity theft and my social security and date of birth has apparently merged with another person. Because of which multiple debts and accounts have been now established with my information as my owing these creditors. XXXX of which is Puget Sound Collections. They are currently reporting to the credit bureaus that I have outstanding debts to them or their clients under a different name than my own. I have since disputed these accounts via all ( XXXX ) credit Bureau reporting entities and felt it important to also follow up utilizing this forum to help expedite the process in correcting this information and subsequently deleting my information from their records permanently.

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 09/27/2016 about Debt collection (Medical) with Fenton & McGarvey Law Firm, P.S.C. (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was served to appear to respond to a credit card debt owed. 
I never received a failure to appear from the court in a amount that was incorrect. I was informed by a Law firm that a judgement was rendered in the incorrect amount and I authorized them to with draw from my checking account a amount that I could only handle for seven months. The law firm would not accept a lesser monthly amount. The original loan was {$1900.00}. I paid to XXXX XXXX {$700.00}. 
XXXX sued me for the arbitrary amount of {$3200.00}. I paid the Law firm {$700.00}, which brings my amount to {$2200.00}. Despite paying {$1400.00} on a original loan of {$1900.00}. This is my second complaint concerning this practice of playing loose and fast with the process. 
Last week I called XXXX XXXX XXXX XXXX. They had no knowledge of any of my dollar amounts and told me to call, Fenton & McGarvey Law Firm, P.S.C. Each of those collectors told me too call the other collector. No one would offer any advice other than wait for my bank to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To whom this may concern : I recently received a copy of my Equifax credit report. I 've submitted a dispute to Equifax to remove inquiries off my credit report. I understand it should n't be allowed to put inquiries on my file unless I have authorized it. During my first and request Equifax stated, " They did n't receive my request to remove any inquiries and/or information. However, I 've submitted these disputes electronically and through certified mail. During, my third request Equifax stated, " The unauthorized inquiries were factual, and I should contact the reporting companies. '' However, I 've contacted the reporting companies for request for removals and I 'm getting no answer. Please have Equifax remove the inquiries from my credit file because it is making it very difficult for me to acquire credit. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

Thanking you in advance, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Mortgage (FHA mortgage) with 21ST MORTGAGE CORP. (OK).
Issue: Loan modification,collection,foreclosure

Complaint: I have asked 21st Century Mortgage twice to stop calling my place of employment. I 'm not even 30 days late on my mortgage. 
They know I pay the second Wednesday of every month. 
Today XXXX/XXXX/16 is the second Wednesday and they called my place of employment. They have been told twice to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Payday loan, title loan, or personal loan (Payday loan) with Kashia Services (CA).
Issue: Can't contact lender or servicer

Complaint: I had started to receive a bunch of emails from different companies stating they had received my application for a loan, and to sign here. I NEVER APPLIED FOR A LOAN, AND I NEVER RESPONDED TO ANY OF THESE EMAILS. ONE COMPANY XXXX XXXX, HAS CALLED ME REPEATEDLY, EVERYDAY FOR OVER A MONTH, AND NEVER LEAVES A MESSAGE. YESTERDAY I PICKED UP THE PHONE AND TOLD THEM TO QUIT CALLING ME AS I HAD NEVER APPLIED FOR A LOAN. TODAY, THEY CALLED ME AGAIN BEFORE XXXX. I AM SICK OF THIS. HOW DID THEY GET MY EMAIL IN THE FIRST PLACE, OR MY PHONE NUMBER, AND THEN WHAT GIVES THEM THE RIGHT TO CALL ME REPEATEDLY EVERY DAY FOR OVER 30 DAYS AND NEVER LEAVE A MESSAGE. I AM SO SICK OF THIS. THE TELEPHONE NUMBER IS XXXX SAYS FROM XXXX, CA.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Today i Went to XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX store # XXXX '' ) on XXXX XXXX XXXX XXXX  XXXX XXXX new york XXXX Spoke to customer sales counselor XXXX XXXX, from whom I was asked if I wanted to apply for a store card. I expressed interested and after I completed the purchase, I found out that the " store card '' was in fact a store branded credit card that was issued by SYNCHRONY bank. Synchrony bank, as an issuing bank, shouls be accountable for the actions that these sales people take part in. This is completely unacceptable, trying to mis lead customers into thinking they are getting a perk but in fact they are signing up for 26.99 % APR credit terms.

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 02/15/2018 about Vehicle loan or lease (Loan) with BB&T CORPORATION (VA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Based on my research, the loan was established in XX/XX/XXXX and it was paid in full in XX/XX/XXXX, later receive a notice showing balance of {$620.00} of late fees, later we spoke to a rep in reference to that amount and as per discuss, If we pay {$260.00}, they will relinkgage the balance to zero and send us the title, as of this date today 's date on XX/XX/XXXX, We still have not receive the title until remaining alleged balance and interest charges still acrued. We would like to have this matter investigated and our title release.

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 06/27/2017 about Debt collection (Medical debt) with Certified Credit & Collection Bureau (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from a company called Certified Credit & Collections Bureau, stating that I owe a debt of {$910.00} to XXXX XXXX XXXX. I paid in full any debt that I had to the medical center. Further, I feel based on the letter that I received that the company is a scam. The address listed is XXXX XXXX XXXX XXXX XXXX NJ XXXX. They list a website that appears odd as well ; XXXX and a telephone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IL).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: I was behind on a payment on two of my credit cards serviced by this company. They called a number of a estranged family number to get information. They gave this person who answered the phone private information on my account including total amount owed, payments made and payments needed. This is a personal credit card. I have no additional signers and have not authorized anyone to have access to information regarding these accounts. I am not married, phone collector assumed they were speaking to a spouse and gave all information to them. I have no relationship with the person they spoke to about me. This happened onXX/XX/XXXX andXX/XX/XXXX. I called the company and was given a number to their corporate office. I called that number, sat on hold for twenty minutes and then was dumped into a voice mail box and have not heard anything back from the company since. I have two accounts through this company, and they did it on both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I have been working for the last week to temporarily lift a feeze on my equifax credit report. I called in, and they informed me that I have fax them proof of my current address in the form of a copy of my driver 's license and a bank statement. I faxed them this information twice, and received successful transmission confirmations both times. Yet when I call in, they tell me that they have not received the documents. So it would appear that they are losing my personal information. They are giving me no options to release the freeze over the phone, they only say that I must either fax the information or mail it. I am hesitant to do this, as I am afraid that they will just lose it again. I find it to be absolutely ridiculous that I am unable to release a freeze on my own credit score, and that equifax has misplaced secure documents that I was asked to provide to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2015 about Credit card () with SYNCHRONY FINANCIAL (OK).
Issue: Customer service / Customer relations

Complaint: I used a credit counseling service called consolidated credit. They made arrangement 's with Sam 's Club credit to lower my interest and my payment. It has taken to long to pay off so I dropped consolidated and called Sam 's to continue the agreement or to work out some other agreement so I could pay the bill myself. They would not deal with anything and my interest rate has been raised to a high rate and so has my payment. I have never missed a payment. I also have several other accounts with Synchrony Bank. They only work with credit counseling not their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I called to get a duplicate card for my wife. The previous card request was never received. I was told that it was sent. However, I never received it. For security purposes, they closed the old card and issued a new card to both in my name and my wife 's name. I was told that I would receive the new card within a week. I did not even receive the credit card, I got a call from Bank of America, telling me that purchases are being made on it. The purchase was made on XX/XX/18, the same day the card was issued for {$2900.00}. My question was how can a purchase be made on a card that was never mailed out? Now, when I filed a complaint and a request a new credit card, I was told that after reviewing my request they could not issue me a new credit card. I feel that I am being victimized multiple times. First they stole my identity to make a purchase and I lost my credit card privileges. In addition, I tried to get a loan, I am also turned down by Bank of America, all of this as a result of one act that was out of my control.

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 08/30/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our home mortgage about three years ago ; because we were cash-poor at the time, we acquired an FHA mortgage that was later sold to Wells-Fargo. At the time, a MIP payment of about {$200.00} a month was attached. I got that -- we did not have the money needed so we were considered high-risk. Three years later, our balance is around {$190000.00} but our home value is over {$300000.00}. Am I on the hook for MIP still, or is there some process I can follow to have the MIP lifted from the loan so that I could use that portion for a home equity loan payment? 
I just want to make better use of my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Nissan decided to run hard inquiries on my credit report for 3 consecutive days, totaling close to 17 hard inquiry hits on my report, causing my report to decline drastically. By almost a 100 points. I never gave them written permission to run my report. I only gave them written permission to run my credit one time through the Nissan Website that I already had 5.9 % financing through. Then I bought the car for XXXX $ US dollars, and 8 months later they claim it is only worth XXXX $ even though the car was brand new under factory warranty. Which they don't warranty nothing. They are price fixing, gouging, and currently breaking Anti-trust Federal Regulations. I will be suing them in court to have this removed from my credit score.

Company response to consumer: Closed with explanation