milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: In XX/XX/XXXX I opened a XXXX account, with the hope of building my credit. I paid the {$30.00} fee and ordered 1 item. However, there were delivery issues and the item was returned by the post office. Thus, my account still had a {$0.00} balance. So, I tried again, ordering a smaller item and unfortunately, I had the same issue with the item be undeliverable and sent back to XXXX. After the second attempt, I was given my {$30.00} enrollment fee back and closed my account. Fast Forward to XX/XX/XXXX and the harassing collection calls begin. XXXX was contacting me, stating I owed {$100.00} in interest only charges. I spoke to the billing department and 3-4 people over the course of 5-6 months ( beginning XX/XX/XXXX ) and they all confirmed that I did not owe any charges, as I never purchased an item and the mistake would be corrected and the calls stopped. The calls did stop, for a while ; however, my credit report still showed a {$100.00} balance and 30 day delinquency on the balance. So, I reached out to XXXX 's credit department and they agreed that my report was in error and promised to update it. After two months, I reached out to the again, because although XXXX showed the account as closed, it still showed a {$100.00} high balance. XXXX  shows no balance, but a 30 day delinquency and not closed. XXXX shows a {$100.00} high balance and not closed. I have disputed this information with all 2 creditors and the account was " verified '' ; however, this info is incorrect. I have talked to XXXX and they claim my account was deleted on all XXXX bureaus, but as of today, it still stands.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have paid this account in full and satisfied my obligations. I would like this Negative Account removed from my Credit Report. 

This is listed on my negative Accounts XXXX and I paid it in full.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with American Collections Enterprise, Inc. (DE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collection agencies listed below are NOT licensed in my state ( Delaware ). I am requesting for them to be removed from all three credit bureaus ( XXXX, XXXX, XXXX ). 

American Collections ENT XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX 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 10-08-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Customer service / Customer relations

Complaint: They have been calling my cellphone after I repeatedly told them i am at work and they cant keep harrassing me sometimes its a machine sometimes a live person they call say something and hang up. U was told because i couldnt post date a payment i wasnt allowed or qualified for a special program and i didnt have the right to call in on my pay to make a payment on my own they refused to stop the calls and refused to remove my number

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been contacted by Monterey Collections claiming I owe a debt for annual maintenance fees for a timeshare unit in XXXX. I timely responded to their initial correspondence requesting proof of debt, including signed documentation proving I am personal liable to pay this debt. 

Such documents do not exist as I am not the original owner and never signed any. I bought this unit in the after market and at that time only assumed the then current year 's maintenance fees which were paid at the time of purchase. 

They have not supplied me as requested any documents showing a legal responsibility to pay this ongoing fees for some undetermined time and have been reporting to the credit bureaus a debt that I do not owe, thus negatively affecting my credit. 

I have disputed the debt twice with the credit bureaus and each time they have sent me as letter which is attached stating : " Please note that per the FDCPA, you had 30 days from the date you were notified by Monterey that your account had been placed with Monterey Collections, to request to dispute this debt. You were notified by Monterey Collections on XXXX/XXXX/2013 and were sent notifications at that time. You failed to request for verification within the necessary time frame. " I have responded to both of these letters that this claim is false and sent them proof in the form of a letter on their company letterhead that is dated within the 30 days of their original collection attempt letter acknowledging my receipt of my request for debt validation ( also please find attached ). Even though I did timely respond, they continue to hid behind this excuse and continue to falsely report this debt. 

This company has ignored my repeated threats to file a complaints which is why I have been forced to finally do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (Other debt) with Advantage Financial Service LLC (Idaho) (ID).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Received notice from Mortgage broker that had collection account on my file from Advantage Financial Services, called company requesting a validation od debt, advised they would not do it, should get from original creditor, stated they would make sure thus stayed on my credit report, even if not accurate information. I called original creditor ( XXXX XXXX XXXX XXXX, who emailed me a statement, showing that there charges were based on a physical inspection made on premises XXXX/XXXX/XXXX, this was amazing since I didnt move my property out until XXXX/XXXX/XXXX, have pics and phone logs showing I called original creditor, to set up walk thru time for premises, subsequently call Advantage back. spoke with XXXX, stated she does see the XXXX/XXXX/XXXX date, as date of inspection, but does not care if information is not correct, advised her that her company under FCRA has obligation to provide accurate information to credit bureaus, stated it is her job to collect money and does not care if my credit report is not accurate, threatened to sue me and I advised her that would be perfectly fine. Every company has an obligation to make sure the information they provide is accurate to Credit Reporting Agency and these people will not confirm information is correct,  costing a higher interest rate on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TRANSUNION COMPLAINT : Complaint regarding dispute sent to Transunion regarding inaccurate status reporting on XXXX XXXX XXXX XXXX real estate account. 
1 ) Failure to review documented evidence to support the dispute claim which proved the account was never late during the disputed time period. 
2 ) Failure to respond to second dispute letter. 
3 ) Failure to record that the account was in dispute on the credit report within 30 days. 
Two Dispute letters were sent certified return receipt received XXXX XXXX, XXXX and XXXX XXXX, XXXX. The following documentation was provided with the dispute indicating XXXX incorrect 30 day late payment status marks on my credit report : Copies of the XXXX Canceled Checks ( see the schedule of due date and canceled checks below ) Copy of driver 's license for identity purposes. 
Transunion reported 30 days late from XX/XX/XXXX-XX/XX/XXXX Payment Due Date Ck Posted ( received Prior ) Check # Amount Due Amount Paid XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$670.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$660.00} {$660.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} Total : XXXX {$9600.00} {$9700.00} Response : The response I received from the first dispute letter fromTransunion was that the status was " verified '' by the creditor and would remain on my credit report. A response was never received to date from the second dispute letter received XXXX XXXX, XXXX. Transunion never posted a statement on my credit report as in dispute as they are required to do within 30 days therefore violating FCRA 623 ( a ) ( c ). 
Impact : Inability to FHA streamline refinance for 13 months- cost in excess interest paid ( {$9100.00} ) Denial of Credit due to inaccurate delinquency reported. 
Resolution Requested : The Transunion status of 30 days late from XX/XX/XXXX- XX/XX/XXXX changed to a status of OK. 

Support Documentation Uploaded : XXXX Canceled Checks as listed above Dispute letters sent certified return receipt Time stamped copies of Transunion Credit Report Transunion Response to Letter # 1.

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 07/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: BOA Closed my account without any warning and now they wo n't let me redeem any of the total rewards points that I 've earned.

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 06-05-2015 about Debt collection (Medical) with AmeriCollect (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a debit from my doctor and i couldnt pay it so they forward it to AMERICOLLECT, this bad company didnt just place the collection for the amount, they split it into XXXX collections to harm my credit and force me to pay it, i called them and i asked to pay each one separately as they posted on claims, i would pay XXXX and they would remove it i said, they refused and they wanted me to pay for the whole thing. 
i do n't know whats going on and how they are able to twist the law like this, for XXXX claim they separate it into XXXX and refuse to settle each XXXX separated as they posted, i believe there is no control on these companies who abuses the collection laws.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with RGS Financial, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/2015 I began receiving calls and letters from RGS regarding account # XXXX for a debt of {$180.00}. The creditor is listed as XXXX but I do n't have any credit cards or loans with them. RGS has failed to provide me with any further information and have been calling me repeatedly about paying. I gave it a couple months thinking they 'd figure out it was n't mine, but the calls keep coming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I opened an account with PNC bank two years ago. When opening this account I explicitly opted out of their overdraft service. Today, I found that my account had received over {$150.00} dollars in overdraft fees. I used PNC online banking service to confirm that my account had in-fact opted out of PNC 's overdraft service, yet despite this I was still receiving overdraft charges. 

Even though I called PNC and was able to have the charges removed, the fact that I was charged at all is in violation of federal law. I would ask that the CFPB investigate PNC banking practices to see if other customers are being charged for unwarranted overdraft fees. I have reason to believe that PNC was fully aware of the fact that I had opted out of their overdraft service, but was attempting to charge me for the service regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I contacted XXXX, spoke with XXXX XXXX ( Special Handling Supervisor ) to dispute the three US Bankruptcy items on my credit report. I asked XXXX to verify and validate where he received his information about the US Bankruptcy files. XXXX stated, " we verified this information straight from the US Bankruptcy courts. I then asked if he could send me a letter validating the information in regards to the US Bankruptcy items on my credit report. XXXX  stated, : I would need a subpoena to validate that information. I then advised XXXX, that I contacted the courts whom stated they do not give out any information pertaining to any bankruptcy cases. I then asked to speak with his supervisor. I spoke with XXXX XXXX  whom stated, " they verified this information with a third party vendor and then turned around an stated that they verified this information straight from the courts. I submitted XXXX letter asking for this information to be validated and a letter sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 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 information incorrect

Complaint: After reviewing my credit report I see that XXXX XXXX has reported my account 6 times late 30-59 days late. I have attached my payment history and a few months I made two payments in 1 month. I sent them a good will letter to get it resolved and its has not helped at all. If anything my account should only reflect 1 payment late in XXXX 2017.

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 07/20/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I originally borrowed {$54000.00} for my education with the last of the student loans taken out in XXXX. I now owe {$390000.00} because of interest, and fees, and a massive consolidation charge tacked on to my loans in XXXX. The law states that student loan interest and fees must be reasonable. My situation is by no means reasonable, fair, or justifiable. By continuing to maintain this balance XXXX is breaking the law, and is in fact engaged in indentured servitude as this payoff amount versus my income ensures that I have no chance of paying this off before death. This amount also ensures that I can not save for my XXXX children 's education, I can not get credit for a home, transportation or again my children 's future education. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: XXXX/XXXX/2017 - called Navient to request forbearance, due to the fact that I do not have money to pay and I am past due by 118 days. They stated that I would have to pay {$100.00} ( {$50.00} for each loan ) to put my loans in forbearance, which I can not afford, because I do not have the income to do so at the moment. I was questioned about how I was paying other bills, and asked if I had someone else I could borrow from to place the loans in forbearance. I explained that I do not have anyone I can borrow from. Navient told me there was nothing they could do to help me until I had money to place my loans in forbearance. I also asked if I would have to pay an additional fee to keep my monthly loans in forbearance. Navient said yes, I would have to pay another {$50.00} per loan to keep in forbearance, at the end of each month. I told Navient I would have to call back, because I do not have the funds at this time. The support agent said I could schedule a payment for up to two weeks in advance. I explained that I would still not be able to make any payments in two weeks. I will not be able to make any payments for at least 3 months with my current income status. Navient support agent said she would note it in my account, but the collection calls and credit reporting would continue until I was able to make the minimum payment of {$50.00} per loan to place the loans in forbearance. I asked if there was any way to place my payments on an income driven repayment plan, and the Naviant service agent said no and that I was on the lowest payment plan of {$140.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Medical) with Professional Adjustment Corp. of S.W. FL., Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This bill has already paid by work compensation.their phone number is XXXX.please if anymore questions please contact them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Account opening, closing, or management

Complaint: Bank of America is reporting Suspected Fraud Activity on XXXX and this is not accurate. I would like to dispute this and have it removed from XXXX. This was reported on XXXX/XXXX/2013 with a charge off amount of {$98.00} which is not accurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: Chase Bank requires that I furnish my SS # on a Recorded Line or they will refuse any communication re. my XXXX Bank Accounts and XXXX Mortgage. I request that they accept the last XXXX digits of my SS # like other institutions, they refuse, it is not their policy. Or I offer to give them my entire SS # on an unrecorded line, they refuse. I ask for alternative verification, there are none. I ask to be referred to a Supervisor and each time I am transferred, I receive this message after a few minutes : " Sorry, we can not continue processing your call ''. 
With serious Privacy Concerns these days, I am very careful who I give my SS # to, and do not trust that a recording of my SS # will not be shared with others. I believe this is an act of " Invasion of Privacy '' and request your intervention. 
Chase 's only solution, according to Exec. Offices, is to go directly to a JP Morgan Chase Bank to transact business there, which is somewhat inconvenient when I simply want to ask a few questions. I usually have to wait for at least 1/2 hour before I receive any service. 
When I contact Consumer Financial Protection Bureau and Office of the Comptroller of the Currency, I am informed that if I am unable to obtain assistance from my bank, I should file a complaint, which I am currently doing. 
Can you assist me with this problem with Chase Bank?

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have requested numerous times to show me proof of alleged Bankruptcy on my report XXXX Chapter XXXX XXXX XXXX all the bureau keeps telling me is that the info was consumed from XXXX XXXX a XXXX party reporting agency but can not supply me with proof or a copy of bankruptcy

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 06/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: For years I have tried to get Income Base Rate the payments they tell me I can afford went from {$800.00} a month to {$520.00} a month. I live in XXXX, ohio. although I have a XXXX XXXX I do not have a XXXX XXXX income. I made no more than {$15.00} an hour and was a single parent could never afford that amount. barely made rent. between losing job being homeless and now regaining employment and a place to live. Navient a.k.a Department of Education has never been helpful. I filed a chapter XXXX, XXXX. which included my loan to Navient/Dept. Education. department of education sent me a notice XXXX/XXXX/XXXX telling me they now hold my default loans. and want all the money now {$57000.00}. the banckrupcy trustee is paying my debts to them from the with hooldings from my payroll. they are also fraudulent reporting on my credit report. the original amount was only around {$42000.00} I called and told them they are not allowed to harrass me for payment. navient, department of education and XXXX are all the same company. they bounce my account back and forth like they sending it to a whole entire diffenent company.

Company response to consumer: Closed with explanation