milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Today, I learned that my credit card account number had been changed by the issuing bank, Bank of America. I called to find out why and they told me that a vendor I recently used had data stolen, which may have included my former credit card number. For security purposes, they issued a new number. However, they would not tell me who the vendor was. I said that was very unfair to the customer, and they are protecting the vendor at my expense. BOA claimed legal obligations prevented them from revealing the vendor. I 'd like to push back on that by filing this complaint to force them to reveal the vendor. I should have the right to know which vendors ca n't keep their data secure.

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 08/21/2017 about Debt collection (Other debt) with NowackHoward LLC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: On XX/XX/XXXX, I was served with a civil suit for a collection company Nowack Howard on behalf of XXXX XXXX for HOA fees. According to the civil suit, I was accused of not attempting to work out my debt with the collections company. This was not true. 

I spoke with XXXX XXXX, employee of Nowack Howard, and notified her about my financial situation. In our conversation, I told her that the house was on the market for sale and needed to workout any fees. On XX/XX/XXXX, I received a follow up call from XXXX XXXX XXXX, an employee of Nowack Howard. She notified me that everything was clear and emailed me a lien release. I still have the email. 

After receiving the civil suit, I tried numerous times to call and work with someone at Nowack Howard. Finally, I received a call from the Collections Manager, XXXX, and she was supposed to provide an account statement. However, she never did. 

On XX/XX/XXXX, I received a call from XXXX XXXX, and she was able to assist. I told XXXX about the lien release from XXXX, and she said that she sent the wrong information. I offered two settlement offers to the HOA because I did n't agree with the services rendered and all the cost associated. Both of the offers were declined. 

On XX/XX/XXXX, I started seeking legal advice. An attorney pointed out that I needed to answer the complaint with the courts and utilize my grace period. I thought I was supposed to work with the Collections Department at Nowack Howard. On XX/XX/XXXX, I filed an answer to the complaint. 

Due to not having adequate time to research, I ended up being forced to pay all fees, including attorney fees because we have a closing coming up on the house. Nowack Howard did not take proper responsibility for their actions. However, they took the opportunity of my lack of knowledge in the court process to gain money during my financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Student loan (Federal student loan servicing) with Premier Student Loan Center (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: This all started XXXX/XXXX I signed up with Premier Student Loans because they said they could get me signed up on the new Obama Plan, This plan was suppose t reduce my student loans from {$44000.00} to {$8000.00} if I paid 240 payments. I had to pay the first three months {$300.00} and the remaining months would be {$30.00} per month. 
I became aware of this XX/XX/XXXX when I received a call from XXXX stating I have n't paid them since XXXX/XXXX. They said I made a {$300.00} payment to them which I do n't remember paying so that must have been Premier paying on my behalf for that one time. 
I checked my credit report last month and discovered I still owe {$44000.00}. I received a call from Premier asking for me to provided income information and I did n't feel comfortable with it. So, I went on line and sent my income information to XXXX because they were the original loan company thinking that Premier would get the information. Premier then advised that they are a third party and not affiliated with XXXX. At this time I decided I wanted to cancel their services and stay with the known company of XXXX. Premier began to give me the run arounds. They would not give me an email confirmation of my cancellation. They just told me the check for {$330.00} will be sent to me, They did not verify that they will cancel the automatic charges of {$30.00} that they deduct from by debit card monthly. The number I call to reach the is XXXX and the case manager is XXXX. He 's extremely rude and arrogant. I have also spoken to a guy there name XXXX and neither one would provide me ID # 's or some form of cancellation receipt. They laugh in my face as though they have all the power. I just want them to cancel my service and refund my money. The main number to Premier is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2017 about Prepaid card (General purpose card) with NETSPEND CORPORATION (AL).
Issue: Fraud or scam

Complaint: I received a prepaid small business Master Card debit card in the mail that was unsolicited from NetSpend. I 've never heard of this company and have not applied for a debit/credit card. This company is sending debit cards to people where their identity can be stolen in the future. The card indicated that I needed to activate the debit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Experian on several occasions letting them know that these address do not belong to me. ( XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX GA, XXXX XXXX GA ) I do not know how these addresses got on my credit report but I have been receiving letters and phone calls from foreign companies and people I do not know that have mentioned these addresses along with my personal information. I feel that my safety may be threatened because whoever these people are contacting me they are tracking me through my credit report with these addresses that do not belong to me. I have attached a police report because I have been a victim of identity theft in the past but Experian does n't seem to care about my personal safety at this point by leaving this information on my credit file.

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 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I, XXXX XXXX have to report to the Consumer Financial Protection Bureau, that I, recently, on XX/XX/XXXX find negative and very inaccurate information, was posted on Experian CreditReport on XX/XX/XXXX by unknown parties called XXXX XXXX XXXX. This parties claimed unpaid {$120.00} to XXXX. : phone # XXXX ; XXXX XXXX XXXX, XXXX XXXX, MNXXXX. 

My Account with XXXX was permanently closed in XXXX, all equipment was return and NONE unpaid balance was EVER Exist. How in the WORLD this very strange XXXX XXXX XXXX 4 years later claimed unpaid weird balance of {$120.00} and posted on CreditReport without ANY Proof, just to make sure to put dirt on my Credit History. 
XXXX provide absolutely awful TV Service, I was unable to watch my TV most of the time on cold and rain weather. I closed my account because of this. 

Consumer Financial Protection Bureau, please, investigate this matter from Experian Inc., why they let XXXX and XXXX XXXX XXXX.posted CLOSED Account on XXXX on Experian Credit Report in XX/XX/XXXX and should listed until XX/XX/XXXX with weird {$120.00}?? 
Please, help me to REMOVE Inaccurate {$120.00} from my Credit History on Experian Credit Report. 

Experian Inc.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Sincerely, 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 04-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I am extremely upset! Bank of America is Charging me XXXX overdrafts fees in the amount of {$35.00} each. I get direct deposit, and the money comes in regardless a. They continue to still charge my account with extended overdraft fees, and it 's a lot of money for someone who does n't have {$250.00} to throw away in overdraft fees. I 've been told about Bank of America doing this to their customers, and I should have listened. Now I am the victim of it, and it horrible. XXXX item goes through, and your being charged so many fees! What a joke of a bank this is. I ca n't wait to close this account. WARNING!! Do not open an account with Bank Of America. This should be called the Bank of Fees for Americans!!!

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 02-07-2017 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Delinquent account

Complaint: I received a letter from Synchrony Bank telling me that they reviewed my account and due to XXXX returned payments, they were closing my account to further purchases. On XXXX XXXX, XXXX, I scheduled a payment not realizing that it was scheduled to be debited from a checking account that is closed. When it returned, I called Customer Service to find out and they told me. I asked them if there was a way to remove the checking account from my profile and the representative told me no there was n't. So, that checking account will remain under my profile until I pay the card off. On XXXX XXXX, XXXX, I scheduled a payment to be debited on XXXX XXXX, XXXX. I got my direct deposit on XXXX XXXX, XXXX and made XXXX payments to other creditors and I had planned to make a deposit into the account by the XXXX on the XXXX. I was n't worried about the Walmart payment because it should n't process until after midnight on the XXXX and the funds would be deducted a business day or XXXX later. Well, that is not what happened. I checked my back account later that day to find out that Synchrony tried to process the payment that morning, well before the processing would normally occur. I was charged a non-sufficient fund fee with my bank, which they credited back to me as a courtesy because they were confused how the servicer could do that. My bank was not sure if the Synchrony would attempt to debit the account twice for the Walmart payment. So, I used my bank 's bill pay service and sent a replacement payment by XXXX XXXX. I never got another message from Synchrony or Walmart about my payment being returned for the second time, so I figured everything was good. 
Now, almost a month later, I received the closed account letter and I called Synchrony. She told me that due to the XXXX NSF 's the system automatically closed the account. She said that the XXXX XXXX return was due to a closed account and that in XXXX XXXX, I had a payment return on XXXX XXXX and XXXX XXXX due to NSF 's. I told her I did n't know anything about the XXXX on the XXXX and I sent a replacement payment of {$54.00}. She put me on hold and came back a couple minutes later advising that she tried everything, but she could not reopen my account. I have been with them since XXXX and I am highly upset by this. I feel that the early processing of the XXXX XXXX payment should not have occurred. I was involved in a car accident on XXXX XXXX and as soon as I was able to, I went online and scheduled the payment to send through my bank trying to make the returned payment from XXXX XXXX right. I do n't handle my accounts in this fashion. This is not typical of me. I would like this issue to be reviewed by upper management.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: REPORTING STUDENT LOAN WHILE OF DEFERRMENT DUE TO MILIRARY SERVICE

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 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On Saturday, XX/XX/XXXX, I went to XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX XXXX, Florida, to test drive a new car. I found a car I liked and negotiated with the saleswoman, XXXX XXXX, but we never reached an agreeable price. I specifically asked her if the credit inquiry she needed would appear as a hard inquiry on my credit report, because at that time I was not applying for any type of financing as we had not agreed on the sales price. She specifically told me that the inquiries are soft inquiries. However, I noticed today that not one, but two, hard inquiries are appearing on my Equifax report. I tried to contact Equifax online and by phone but was unsuccessful.
I would like these two hard inquires-one from " XXXX  '' and one from XXXX XXXX XXXX, XXXX datedXX/XX/XXXX, to be removed from my credit report as soon as possible, as I am currently trying to finance a new ( or used ) car.
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Filed chapter XXXX bankruptcy XXXX/XXXX/XXXX, approved for XXXX XXXX credit limit of XXXX, XXXX XXXX XXXX and XXXX XXXX for XXXX in XX/XX/XXXX of XX/XX/XXXX. Bankruptcy XXXX in XX/XX/XXXX of XX/XX/XXXX. Fast forward to XX/XX/XXXX checked my credit report XX/XX/XXXX XXXX showed that all three credit cards where added to chapter XXXX bankruptcy I then called XXXX to see how that was possible since I did not add them on list of creditors for bankruptcy. Agent then told me that sometimes when someone applies for anything before discharge date that what ever accounts are open at time will be added to bankruptcy and the creditors are the ones who contact credit bureaus with information and that I should contact credit companies. Since XXXX XXXX was the creditor still emailing me stating that I owed them I contacted them just for them to tell me the exact same thing XXXX told me. So I stopped paying on the credit card. Now here we are months later of going back and fourth with this particular situation all 3 credit cards have been added back to XXXX and transunion report and has my score droped because of higher utilization rates, late fees and now I have extra credit cards that I do n't not need because I opened 4 other cards to restablish credit now there is a total of 7 cards that I can not pay for.

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 01/14/2017 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a bill in the mail from American Medical Collection Agency stating that I had an unpaid bill from XXXX XXXX XXXX. They said the bill was from XXXX/XXXX/XXXX. Today is XXXX/XXXX/XXXX and I have never received an initial bill from XXXX. This company, that goes by the name AMCA, is threatening to take further action which will hurt my credit score. The letter they sent says that the amount they are trying to collect was n't included in my initial invoice. I should n't have a final notice from a 3rd party collector if I 've never received an initial invoice from XXXX. This seems to be a fraudulent company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX/XXXX/XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX # *********** Requesting Remove Item 30 Days Late Payment XXXX XXXX Account # XXXX I had a XXXX XXXX Account ending last XXXX # XXXX They have been reported late payment 30 days on XXXX XXXX all XXXX credit reporting agencies Experian, XXXX. 
But I am already contacted with them and they removed 30 days late payment above account on my all credit reporting agencies on XXXX XXXX. 
XXXX completely deleted there credit file ( Refer attachment Protect ID Experian report and CPFB XXXX XXXX responded XXXX already deleted ) XXXX also They removed on XXXX/XXXX/XXXX .But again XXXX XXXX reported on XXXX XXXX as a Late payment XXXX above account on XXXX report XXXX After that I complaint Consumer Financial Protection Bureau ( CFPB ) ON XXXX/XXXX/XXXX They believed XXXX XXXX send wrong information and XXXX deleted above late payment on their credit file ( refer CFPB Case number XXXX and copy attached ) Now up to date no longer shows my XXXX credit report above Late payment on XXXX there credit reports. But your reporting agency still shows above account as a Late payment. 
I submitted XXXX XXXX and XXXX XXXX though Experian to follow up my investigation above account but XXXX XXXX they response was asking supporting documentations. ( XXXX XXXX and XXXX XXXX letter attached your reference ) They failed to response with 30 days time period. Consider all facts and please helped me out to re-investigation and delete late payment XXXX account number ending XXXX Thanks XXXX 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 12/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This is what I have written to TransUnion after they falsley recorded a negative entry on my credit file : _______________Letter with evidence to TransUnion_________________ Dear Sir/Madam : I am disputing your credit report on my file number XXXX as these are completely inaccurate entries on my report regarding XXXX. I have complained to you and you have declared that your investigation is complete. You also mentioned that, " For details, see below ''. However, that " below '' is empty- blank! - Nothing is in there. 

You are the protector of our financial practice and we depend greatly upon you. However, I have no idea if you even looked at the documents I have sent via US mail. My documentation has enough evidence to support that I am not responsible for XXXX. I understand you business depends on these clients like XXXX, but how about general consumers like me? 

All of these started when I tried to move my service to another carrier. How a telephone company owe {$2100.00} to XXXX individual? What were they doing? Are they really in proper business practice? How did I switch my service including phone numbers to XXXX from XXXX if I owe that much as they claim? 

I have provided you with some information and I am not convinced that you looked at it. So, I am sending more proofs in writing in a chronological order. I am also sending copies of these documents to other federal and state agencies, including the XXXX finance committee. 

As you can see from the attached correspondence, in chronological order, I repeatedly contacted XXXX, after they cancelled/suspended my account due to the fact that I told them about my desire to switch XXXX Company and made every possible attempt to resolve these issues and made so many phone calls and emails but XXXX never responded. If XXXX can provide any communication in response to my correspondence/emails, besides asking calling them, I would like to see those correspondences. I appreciate it very much if you can tell me how you have accepted such a bogus claim and put on my credit report? 

I wish I could submit this online, but your site did not work and suggested me to mail the complaint. 

Sincerely, XXXX XXXX XXXX ___________End of my letter_____________________

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