milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-11-2016 about Debt collection (Medical) with BCA Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: First of all BCA Financial is trying to collect a bill from University XXXX that does not exist. When I called University XXXX they said there 's no balance such as {$2700.00} from XX/XX/XXXX/2008. 
Second of all, even If I owned it should not being reported to the credit agencies because they are saying the procedure and the bill was in XX/XX/XXXX/2008 which is over 7 years to be reported. 
I already gave them the opportunity to remove, but they said they wo n't to remove. 
BCA Financial XXXX XXXX - XXXX # XXXX XXXX XXXX billing dept : XXXX XXXX University XXXX : 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 05-04-2016 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (MN).
Issue: Managing the loan or lease

Complaint: Monday, XXXX XXXX, my car was repossessed from the parking lot at work. I pay my loan through Fifth Third Bank, and have made regular monthly payments ( plus extra ) for the agreed amount when I purchased it. According to the bank, I did not have full coverage insurance ( which I did. They had my policy number on file when i called to investigate. ) they then said they had sent me letters, but they had miss-typed my address by XXXX digit, so i did not receive any notice. In XXXX, 2015, I was made aware of the insurance issue, told them that there must have been a misunderstanding and had the declaration page faxed to them and also XXXX to my work ( which I still have on file ) I faxed over the same information on XXXX XXXX. The insurance branch reversed the charges accumulated, but collections still demands i pay all of it including : {$1200.00} for what i supposedly owe, {$89.00} for late fees, {$560.00} for the repossession fee, and any extra fees for me to release the car from the lot. There are several complaints similar to this XXXX on the internet that i have read in regards to Fifth Third Bank. I have personal property in my car. I do n't know how or why things have gone to this seeing as how i have made my payments every month. I do n't know how I will keep my job that is XXXX miles away. And I also do n't know if I will continue to be charged after my car may be sold off. Please help if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Other debt) with North American Credit Services (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have gone to the hospital and advised them that this is not my bill I have never been to there hospital and definitely have no reason to visit hospital. Now I have this collection agency attempting to collect from me for an emergency room visit I did not do, however I have called my insurance XXXX XXXX to advise them that they paid on a bill that I did not incur my purse was stolen at XXXX Mall approx. XXXX week prior to this visit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Back in XXXX of 2017 I noticed something on my credit report from Diversified Consults in the amount of XXXX . I reached out to them by letter and they replied that the debt was for a XXXX account I supposedly had. I requested the debt be verified with a signed contract, a receipt, anything besides this company claiming I owe it. They replied with the same letter showing my name, an amount and XXXX name. I have subsequently requested this debt be verified in XX/XX/XXXX and again in XX/XX/XXXX. They have not verified the debt and continue to re-report onto my credit report every month, gaming my credit score. Not only is this an unverified debt, it is predatory collection as they know its not a valid debt and continue to report false and misleading information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have continually been contacted by multiple Debt collectors for a termination fee charged me by XXXX that I do not owe. I never signed a contract with them, and therefore this is invalid. The issue is that they keep sending it to different debt collectors. I have tried contacting XXXX to drop this collection attempt but they refuse to do so. They have a known issue with deceptive practices as noted on the XXXX website including not disclosing contracts, price switching ( which they did to me ), etc. I need to know what can be done to get them drop this charge that is not valid. I do not want to have to continue to send certified letters to debt collectors until the end of time while they continue to pursue this frivolous charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Student loan (Private student loan) with HEARTLAND PAYMENT SYSTEMS INC (KS).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have a school loan with a company out of Kansas that was called Educational Computer Systems Inc. or ECSI, now they are known as Heartland ECSI. My current balance is XXXX. The last statement I received from them is a bill stating that I am 30 days past due. Which came as a surprise to me, because I am supposed to be " in-school '' status. I am currently attending The XXXX XXXX XXXX XXXX online. I did have to drop from full time status for one semester because of the class schedule they have worked out for me. I have tried to get in contact with ECSI once I realized this and for the past week on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to no avail. I have tried by phone, by chat and by their site. Apparently their site is down. I can understand the site being down, but what about the phones? Ive put my number on their list to call back three times, ... nothing. I was on hold for over an hour on the XX/XX/XXXX too. I ca n't help but think that they are n't doing every  thing that they can to keep in contact with their borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: In XX/XX/XXXX my sister passed away. She had a health care savings account. I am the Executor of the will. In XX/XX/XXXX I contacted Bank of America to notify them of her death and request release of funds. I was told to send a copy of the death certificate which was faxed to them on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Bank of America requesting additional documents which stated I needed to send 1. I immediately sent them another death certificate and the XXXX XXXX XXXX XXXX. This was sent on XX/XX/XXXX. On XXXX XXXX, XXXX XXXX and XX/XX/XXXX I sent the same information along with telephone calls. Telephone calls were also made on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was told that they would have to send me a Beneficiary Designation Form which I informed them that she could not sign since she had died. I filled out the form and faxed it back to them on XX/XX/XXXX. On XX/XX/XXXX I received a letter saying they needed additional documents. I spoke with my attorney and the office of the Probate Courts and both told me that those documents are not necessary. They both informed me that they are just delaying payment. On XX/XX/XXXX I contacted Bank of America once again by telephone to resolve this to no avail. On XX/XX/XXXX I was informed that they did not have a death certificate and now they needed different forms. I called them again on XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. I can not get any resolve to this matter. There should be {$480.00} in this account but Bank of America keeps deducting monies from the account.

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 11/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been making payments on my loan for 5 years. The numbers do not add up when I do the math and I tried calling them many times in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I spoke to multiple people over the phone and then tried to chat and still no help. We just went around and around. I told them I was going to have a company look into how much they were charging me and they quit responding to me. I just kept making my payments until this month when they charged me over {$200.00} in interest. I have a pretty good log on payments and balance and just want a clear and transparent explanation of why I am being charged so much. Please help! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (Home equity loan or line of credit) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Credit decision / Underwriting

Complaint: I applied for a Home Equity Loan through First Tennessee Bank ( XXXX, TN call center assisted ). I asked what is the Maximum amount I can be approved for ; They sent me the proper disclosures based on the estimated value of the house and told me after the appraisal comes back we could adjust loan amount. The appraisal of my home came in higher than we initially thought. XXXX XXXX assisted me through this process and as loan came through underwriting she called me back and said " XXXX XXXX, I know you asked previously what is the maximum loan you can receive. I wanted to call you today to let you know the underwriter is willing to give you a loan up to {$450000.00}. '' I said, " wow, I 'm flattered. Let me think about it and I 'll call you back next week. '' When I called back the next week to accept their offer ( I told them I would take a loan of {$410000.00} ) I learned that XXXX no longer worked at the bank. They passed me off to XXXX and at that time XXXX said my rate would go up .XXXX % if I took a loan of XXXX. I explained XXXX had verbally offered me up to $ XXXX last week and did n't disclose the terms of the loan would change. The bank would n't honor this after I spoke to XXXX XXXX and XXXX XXXX. They agreed to lower my origination fee from XXXX % to .XXXX % because they knew they made a mistake ; XXXX said, " It was XXXX last day at the bank, and she was n't on her " a '' game. '' I appreciate that everyone makes mistakes, however this was an offer from the bank, which I called back and accepted under the current terms ( 3.4 % APY for 15 years ) The bank will not honor the verbal agreement. I consulted an attorney and he said the bank extended me an offer, which I called back and accepted a week later that was n't honored ; He feels the bank is liable ; For your information- The call has been recored and is on file at the bank. He suggested I file a regulatory complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Bank account or service (Checking account) with KEYCORP (IN).
Issue: Problems caused by my funds being low

Complaint: I have had an account with Key Bank for going on 3 years. I do not have overdraft coverage, do not have a substantial amount of savings, do not have anything in my bank account due to loss of work. 

Recently, a foray of payments have hit my bank account - XXXX or better. Obviously, I do not have overdraft coverage, and I have asked the companies who are taking automatic payments out to stop. I 've gone online and even deleted my bank account from each company 's site. 

I have an equal number of overdraft fees - XXXX. Each XXXX, {$37.00} each. As I do not have overdraft coverage and since I obviously can not afford almost {$2000.00} in overdraft fees, my local branch is calling me and asking me how to square this up - I can not believe I 'd be asked such a question since these were automatic actions not initiated by me. 

This is another case where Key Bank ( with customer service that has gone downhill since the First Niagara acquisition ) is simply capitalizing on another man 's misfortune.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit card () with STERLING JEWELERS, INC. (FL).
Issue: APR or interest rate

Complaint: I have found an account for Kay Jewelers on my credit report from 2008 that was charged off. I do n't recall ever charging anything to this account. When I call to get information on this debt the representative on the phone informed me that the account was transferred to XXXX and they had no other information. The amount of the charge off is {$120.00} which I always paid my bills but in store with cash. I would never carry a balance on this card as their interest rate is 25 % APR which is usury in the State of Florida as the Florida Stature caps interest at 18 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Credit card) with High Point Asset Inc (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A computerize message asking for XXXX XXXX, and I have no clue who this person is, asked to call back due to bad debt and to contact them. Other previous calls mentioned credit report/lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I became delinquent on my credit card bill k in XXXX. In XXXX I made arrangements with to settle the account for less than what was owed. The agreed that if I paid one lump sum the account would be marked as paid in full. In XXXX XXXX I received an letter from Portfolio Recovery Associates, LLC collecting on the debt. I sent a dispute letter and they replied with copies of my monthly statements from XXXX to XXXX. I received a confirmation letter regarding the status of my account but have disposed of it because so much time has passed. I have also switched financial institutions and do not have access to statements showing the payment. I am trying to receive a copy from the financial institute. The disputed balance is XXXX due XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Someone else used my information to open an account. I 've never lived outside Oklahoma and this was an account from Missouri. I 've talked to them before and am told I have to file a police report. I work and have a family I do n't have time to hassle with a false account from years in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: My account was accessed by someone on XXXX/XXXX/XXXX and they made an unauthorized transfer. When I called Chase Bank, they suspended the online access and advised me to call a separate number to change my login/password. When I called the number, I was advised that my whole account would have to be closed and a new one opened but in order to do this I would need to visit a branch. This is not possible as the closest branch to my location is 143 miles away in a different state. I 've spent over 3 hours on the phone with Chase and they have not presented any sort of solution.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Hi I am in arrears on my mortgage while i had a drastic reduction in income, since then i am working full time, my wife is working as a source of other income and ive obtained my brother in laws help as a renter to help us pay the mortgage. Ive been working with  XXXX  / Bayview loans  for what i believe 3 years on a modification. My math says we can afford to pay the new higher loan with the arrears. They keep stalling on an answer, meanwhile they got a judgement to forclose. Now we, my wife and children, are panicking and  Bayview  is not really giving me an answer here, so i do n't know what to do.   My loan number is  XXXX  with Bayview

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Problems when you are unable to pay

Complaint: I 'm late in payment, there is no dispute there. The problem is how late and the lies that I 've been told both by capital one auto and speedy recovery. 

I 'm 3 months late, which is no more than {$1000.00} past due including fees. 

The repo agent came to the door and I asked him if he had a replevin order. He said a writ of possession will be filed very soon and then he left. He also told me that the past due was {$1900.00} in range. I then called Capital One Auto. 

I was told that by their agent named XXXX that I was past due {$1400.00} at the time of the call and that it was scheduled to charge off that day, XXXX XXXX, by XXXX. I told her I had just started working and could make my payment in 3weeks. She said no, it will charge off by XXXX that day. She also said that XXXX XXXX said I told them they 'd have to go legal. I never said that. I asked if it was already legal, but after three months only -- I assumed it was not. 

I did n't have the money one week later, but another rep told me that it was not about to charge off at XXXX that day. And that the first rep had deceived me. 

Today, they continue. I received an odd vmail from what I believe is the repo company requesting I call back. I 've never called that number and do n't know any XXXX. I also received a call from Capital One on my vmail stating that the loan was charged ( the word " off '' missing ) and that they were moving forward ( after only 90 days ). It charges off at the 120 day mark which would be in this month, not last month. 

The abusive concepts and scenarios are amazing and shocking to me. They literally are creating precontext for dishonesty, abuse, and deception at a major bank and recovery company.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax had a data breach at the end of XXXX, XXXX and only declared so publicly today, XXXX XXXX, XXXX. They mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 

They took their time to deliver the news ( which could even further harm innocent people who were potentially exposed during that time period ) while the executives unloaded their stocks. 

This is foul beyond all means and must be rectified. There are 143 million people at risk now due to their incompetence. 

Retribution is not only just, but demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: The terms of my Chase Private Student Loan were not explained thoroughly, and I was not informed there was a default repayment date set, even though I was enrolled in school. While trying to maintain monthly payments, my private student loan went into collections, and then without warning or notice went into default. I am a student at XXXX XXXX XXXX in XXXX, CA.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After reviewing my credit report, I noticed a hard credit pull from a company that I did not authorize. My credit is very important to me and I did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 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: The equifax company leaked my information to people, including ssn, date of birth, name, sex, address. This is unacceptable and very unprofessional! I feel very unsafe now.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Payday loan, title loan, or personal loan (Title loan) with Olympia Title & Escrow Corporation (FL).
Issue: Loan payment wasn't credited to your account

Complaint: To whom it may concern : The broker XXXX XXXX, president of Olympia Title & Escrow Corporation, handled the closing for my house ( I was the seller ). XXXX XXXX scheduled the closing for XX/XX/2017. Since I was not going to be able to attend, XXXX XXXX asked me to go to his office to have the documents notarized by XXXX XXXX, the day before the closing. His office is located on the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. Phone number XXXX, e-mail : XXXX. Enclosed you will find the Closing Disclosure, on line 12 for Due from Seller at Closing, theres a utility escrow for {$300.00}. XXXX XXXX explained that once they verified that the accounts for the utilities in my house were not deliquent, they would send me a check for {$300.00}. 

Two months have passed since the closing. I sent several e-mails to XXXX XXXX trying to find out the status of the refund of that Utility Escrow, yet I haven't received an answer. 
I would really appreciate your help on the resolution of this issue.

Company response to consumer: Closed with explanation