milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2015 about Debt collection (I do not know) with Boich Law Offices (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX, phone XXXX, has been sending me notification of a debt, but absolutely no details on the original account or the proof of claim. The Agency listed is the Department of Taxation. I contacted them and they said that I have no outstanding debts. I have refunds on all of my tax returns for the past ten years. If I owed anything, they would have seized my refund. 
Bloich representatives continue to call despite my request for all communication in writing. So far they have refused to send me the documentation with a copy of the original debt and the legal documents that verify Bloich 's ownership of the debt. I can not audit a debts and verify its legality based on " Principal ... .Interest ... Amount Owed. '' I sent three requests to the Ohio Attorney General 's Office and they provided no information on XXXX XXXX 's claim. I do have zombie debts from a 16 year old chapter XXXX bankruptcy.

Company response to consumer: Untimely response
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been having a problem with Navient since XXXX 2016. They REFUSE to acknowledge that I have properly sent them paperwork for an income based repayment plan. I have fax machine confirmations that the paperwork has been properly sent. Earlier this year I contacted them about this problem because they have falsely reported to credit reporting agencies that my account is delinquent. They put the loan into forbearance and gave me until XXXX to fax the paperwork again. I did this in XXXX. Now I have credit reporting agencies calling me again telling me that Navient is once again reporting the account as delinquent despite having the paperwork they demanded. Once again, they say they never received it. The fax confirmation says otherwise. They are DESTROYING my credit report maliciously and without provocation. I have done everything I am supposed to do. They are doing this to millions of people, it 's why you 're already suing them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I had XXXX HELC loans with XXXX XXXX that were sold to PNC Bank XXXX account XXXX was coming up for renewal XX/XX/XXXX, XX/XX/XXXX I received an offer to convert XXXX to a 30 Year Fixed rate at the rate of 4.74,. which I did and started making the new payments as of XX/XX/XXXX. The other XXXX loan ending in XXXX which was coming due XX/XX/XXXX I was not offered the same program, when I questioned PNC, I was told verbally that my payment history was not sufficient, never late and I am the same borrower that PNC converted the other HELO loan to a 30 year fixed. I was told that I could apply for a modification or refinance. Modification was out of the question, I have excellent credit and in PNC paperwork they state that a modification may effect my credit. I got my new payment for XXXX due XX/XX/XXXX {$960.00} ( {$540.00} ) more than my old payment, 20 year ammorization @ 6 % interest. I was not disclosed as to a rate or term prior to my receiving a bill. I asked at the branch and I was told that I received letters in regards to my payments, I did, but never what my rate was going to be, never what the treasury bill that determine the rate was, just here is the amount, pay it. I feel that I was not properly disclosed, I had requested by email and in a verbal conversation for PNC to sent me copies of the last XXXX disclosures they sent me. To resolve this I am requesting that PNC give me the same terms on the XXXX loan that they gave me on the XXXX loan. Thanking you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Problems when you are unable to pay

Complaint: AHFC is reporting outdated information about my account which has always been delinquent since 2008 and now charged off account to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Account opening, closing, or management

Complaint: Opened a business checking account at the XXXX, NJ Chase branch. The account had a promotion of {$500.00} for depositing {$500.00} and keeping the balance for 60 days. I have inquired about the bonus not posting and have been informed that the deposit funds needed to be new to Chase. This was never communicated to me by the branch personal banker who transferred {$1000.00} out of my personal account at Chase into my business acccount to fulfill the promotion requirements and to hold a minimum amount in the account to avoid the $ 20 monthly fee which is waived for the first 2 months anyways.If new money needed to be deposited, then there was no reason to transfer the {$1000.00} on that account opening day. I could have easily changed my direct deposit to go from my personal account to the business account. There was a lack of communication on the banks behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had several investigation going on in the past with Equifax Credit Bureau. Recently in my communication with Equifax they discovered I had multiple credit report with them. When I spoke to the representative I ask her when they combine my reports will the deleted credit come back on my credit report and the representative stated no that will not happen. I received a notification from XXXX XXXX today and my reports were merge and the items that were deleted appeared on my new report. I call Equifax once again and I did not receive any resolution. Also I am a authorized user on some accounts and those credit card accounts are not showing up on the new report. This has been a frustrating situation dealing with Equifax. Why should the consumer have to deal with this unprofessional company. I worked as a XXXX for many years and have not had these unusual situations. With Equifax you have one representative telling you one thing and another telling you something totally different. I had XXXX collection account with AR resource that were deleted off of my credit report about 4 months ago and NOW the accounts are reporting back on their. Also XXXX XXXX XXXX XXXX account were deleted and back on the report one again. I spend a lot of time in the past faxing things over to Equifax showing them that some of the credit item were NOT mind and turn around and have to start all over once again. The government is paying a whole lot of money for Equifax representative to mess up my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was dismayed after I ordered my Equifax, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I found out I was going to be out for XXXX surgery. I would be out fo for 3 months. I was able to contact my creditors and have payments reduced r for this period of time do to XXXX only covering 65 % of my salary. Ocwen, my mortgage holder, gave me a hard time about this, barely understanding tanding them, she said she would send a form to fill out and it would be reviewed for consideration. form received and sent back. I did not hear anything from them so we struggled with the the full mortgage payment. For a company who says they will work with you it seems like smoke and mirrors. no one else had a problem adjusting for me. I I t seems iam held hostage for a medical problem that I had no control of. Can this be removed from my credit report so I can move on? Thanks for consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST NATIONAL BANK OF OMAHA (MI).
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: Good morning all, I have two credit cards that were opened in my name. These are not my accounts due to someone opened these accounts without my knowledge. I am disputing these charges and the credit card companies are moving forward trying to collect the money owed on the accounts. I have filed a complaint with the Federal Trade Commission. I want these accounts taken off my report as I'm not responsible for the charges.

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 12/13/2017 about Debt collection (Other debt) with Professional Bureau of Collections of Maryland, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/2017, I received a debt collection letter from Professional Bureau of Collections of Maryland , Inc. regarding XXXX XXXX XXXX XXXX in the amount of {$120.00}. The letter is dated XX/X/2017. 
I have never agreed to contract, nor purchased anything from XXXX XXXX XXXX ever. I visited a personal trainer, XXXX XXXX, at this gym over a year ago, but paid HER for her services. I asked her today if she signed me up for anything, she said no, and to file a complaint with the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Rewards

Complaint: Applied and was approved for American Express Business Gold card with XXXX point sign up bonus after spending {$10000.00} on the card in the first 3 months. I was approved on XX/XX/2016 ; however, I did not receive the card until XX/XX/XXXX nd was not able to complete the minimum spending the 1 month ( instead of the allotted 3 ). I have requested multiple times ( at least 6 ) for a review, and was consistently told to wait for XXXX months for XXXX different " investigations '' totaling almost 6 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2015 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Deposits and withdrawals

Complaint: I deposited a check into my account on XXXX/XXXX/15, and the bank charged me {$140.00} in overdraft fees for activity that occured that day. The banks ledger has it stated that they processed the check prior to sending out any payments, yet they charged me {$140.00} in overdraft. I contacted the bank and they are refusing to refund my money and to stand behind their own ledger, stating that they did not process the check before they sent the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Consumer Loan (Installment loan) with loanDepot.com, LLC (MD).
Issue: Shopping for a loan or lease

Complaint: Approached by Loan Depot for personal loan ; after reviewing the terms of the loan, I the consumer declined/rejected the loan. I received an Adverse Action Notice from the loan company making it sound like they denied me credit. Mentally this is shocking, since I refused to take out a loan with them, it sounds like an attempt to ruin my credit score. This can not be right. 
Please advise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit card () with Alliance Data Card Services (IA).
Issue: Late fee

Complaint: For my XX/XX/XXXX statement, the minimum payment of {$27.00} was due on XX/XX/2017. On the due date for my payment, I made a return to the store and received a credit for {$42.00}, which is more than minimum amount due. I was still charged a late payment fee even though I had made the payment, in the form a return, by the due date. Comenity Bank has refused to reverse the late payment fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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 mailed in two dispute letters requesting that Experian to verify negative accounts on my credit report. They " verified '' these accounts after online dispute. I have since mailed two different dispute letters, and both times, I got back from them a letter in the mail stating they will not reinvestigate. I called and spoke to an Experian representative named XXXX. She stated to me that they do not have an original signed contract from the original creditor as required under the FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Experian has failed to provide the method of verification as required under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617 of the FCRA, if the CRA fails to comply with the federal law. I demand the following accounts be VERIFIED OR DELETED IMMEDIATELY. 

1. XXXX XXXX XXXX  XXXX  ( accnt # : XXXX ) 2. XXXX XXXX XXXX ( accnt # : XXXX ) 3. XXXX XXXX XXXX ( accnt # : XXXX XXXX 4. XXXX  XXXX XXXX ( accnt # : XXXX ) XXXX. XXXX XXXX ( accnt # : 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 03/28/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On the XX/XX/XXXX early afternoon PST, I was swamped with around 2000 emails, 999 to my inbox and the balance in junk mail. Whilst deleting those emails I came across one from Bank of America notifying me of a transfer of {$7000.00} from my business account to another BOA customer. I immediately rang BOA and the full story is attached below. While the event has been resolved and the {$7000.00} returned I was appalled by the treatment and complete disregard for the safety of my other accounts that could easily have been compromised during this period.

The only credible assistance offered was by the fraud investigator XXXX XXXX XXXX of BOA, however this was not until after 30 days had elapsed.

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 04-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Account opening, closing, or management

Complaint: I ASKED BEFORE CASHING A CHECK THAT IT BE VERIFIED AND WAS TOLD IT WAS GOOD. IN FACT IT WAS N'T AND NOW I AM BEING PENALIZED AS OWING AND REPORTED TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Payday loan) with Evans Law Associates, P.C. (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I had a lady calling me asking if I was this person I said who is this she goes I 'm a secretary let me transfer you to the investigator while I was waiting you can hear a beeping like she was calling three way.Same lady gets on the phone and started harassing me over an old payday loan telling me I 'm going to have a felony warrant out for my arrest for fraud. I used my old roommates credit card to pay what I could back in 2012. Well she was stating she is having my old roommate charged with fraud also because I used his credit card. I called local police department and told the officer what was going on and the officer told me I can not be arrested over a payday loan because its a civil matter. The lady said she works for Evans and associates. I googled the phone number and it came back with a bunch more phone numbers. The phone number they called me with is XXXX. The only company with the name is a construction company in XXXX, Washington. She is harassing my family and friends.She threatened to have my child taken away from me. Instant panic and crying. I googled the Evans law associates and the XXXX has XXXX complaints against Evans Law Associates

Company response to consumer: Untimely response
Consumer complaint received 09/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with LENDER LIVE (SC).
Issue: Loan servicing, payments, escrow account

Complaint: 1 ) Repeated failures to mail the monthly loan statements to our home in time for us to mail payment and make the first of month due date. For example, today is Sunday XXXX XXXX and we have still not received the XX/XX/XXXX Statement. We pay by check because we always add varying levels of additional principal to our mortgage payment. 
2 ) We are also experiencing very long time periods from the date we mail our mortgage payment and the time our payment is shown aas being received by them. Note that because of the above stated problem of not receiving statement in a timely manner, we ALWAYS try to mail our payment on the same day we receive the statement. 
3 ) The additional Principal paid with the monthly mortgage payment is not credited to the Principal Balance until the month after the mortgage payment is credited. 
4 ) Note also that I have called and talked to them about these issues, They stated that the Company is in the process of consolidating their loan processing centers and this is the reason for all the delay issues,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed these accounts as being fraudulent and not my accounts or opened by me. They have refused to remove the accounts or have removed them at XXXX time and then re added them to my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The three credit Bureu still showing all accounts closed, paid in full, also have student loan closed due to my XXXX, please somebody help me I am so tired to leading with this problem. 
Cause me hard time and disappointed in my life. 
I need my credit back. 
Thank you very much XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: I cashed a check for {$300.00} in my checking account on XXXX/XXXX/XXXX. XXXX week later on XXXX/XXXX/XXXX, Chase bank debit me for {$500.00} because they say their teller system processed that check for {$800.00}. But I did n't receive the extra {$500.00} when I cashed this check. I asked the bank to send me an evidence that they actually paid me {$800.00}. But they do n't have. Instead, they use an internal Deposit Account Agreement that they can always to debit me for any debt. They ca n't prove I own them any debt. This is complete nonsense that the bank debits me {$500.00} for their internal operation error.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Other

Complaint: Bank of America recently deactivated my ability to make payments online. They provided a number to call, but I never get through. I do not have time to wait hours to get a hold of anyone. I 've talked through email and online chat, but those individuals tell me to call the number again. I have n't lost any money yet, but technically I will be paying more interest if I have to mail by payment since they are making it inconvenient. I have never experienced this from my other banking relationships.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation