milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Payoff process

Complaint: Around 18 months ago, I took out a " direct deposit '' from my Bank of America credit card that carried a XXXX % deposit fee and 0 % APR for 18 months. The promotional period ended XXXX/XXXX/2016. I made minimum payments for 18 months and after receiving my XXXX/XXXX/2016 bill, I scheduled a payment in full for XXXX/XXXX/2016, which was within the payment period of due date XXXX/XXXX/2016. Prior to XXXX/XXXX/2016, I contacted Bank of America to inquire when my promotional interest rate was ending. I was not told by the XXXX that I would have to pay my balance in full by XXXX/XXXX/2016 to avoid any interest charges. On XXXX/XXXX/2016, I received my Bank of America statement reflecting a {$100.00} interest charge. When I called Bank of America to contest the fee, I was told that I should have known that I needed to pay in full by XXXX/XXXX/2016 because that is the date the promotional APR ends. I believe that this is a deceptive tactic, because at no point did Bank of America make it clear that I would have to make a full payment on or before XXXX/XXXX/2016 to avoid interest charges. Whenever I use a credit card, I avoid interest as long as I pay the balance in full before the due date. It made sense for no interest to accrue between by statement date of XXXX/XXXX/2016 and my next statement of XXXX/XXXX/2016 as long as I paid the balance in full. This deceptive practice has resulted in a steep interest charge that is unfair and predatory. I do not think I should have to pay this charge.

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 02/17/2017 about Credit card () with TD BANK US HOLDING COMPANY (TX).
Issue: Payoff process

Complaint: I have been working since XXXX 2016 to get a item removed Target XXXX Bankaccount # XXXX was paid to XXXX, all of the items have been removed from my XXXX bureau except this team. i call Target they transfer me to XXXX, I have been told multiple times this should not be on my credit and that a electronic submission has been sent, Please help me resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Carter-Young, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am asking XXXX for validation of debt for a collection they say I owe for an apartment complex. I have sent them 3 letters asking for validation. The XXXX letter said their client verified the name and address listed on the account was correct. I did n't ask for that, I asked for legal validation. In the XXXX letter I received, they sent a statement with my name but not my signature from a lease agreement, nothing showing my DOB or SSN. It had an apartment complex manager 's signature, not mine. That is not valid proof. The third letter flat out refused to send me anything stating they already sent proof which they did not. The XXXX major credit reporting agencies keep sending me reports back saying they verified the account and belongs to me. I requested in my last correspondence with them what their method of verification was on this account when I am not getting any legal verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Payday loan, title loan, or personal loan (Installment loan) with GreenSky Trade Credit, LLC (GA).
Issue: Charged fees or interest you didn't expect

Complaint: In XX/XX/XXXX, i received a loan from GreenSky ( via XXXX XXXX ) to do work on my home. I approved a {$7500.00} loan at 9.99 %. I currently owe XXXX on this and been paying on it since XX/XX/XXXX. However, my monthly interest even when i over pay is still coming in at above {$55.00}. My normal payments are set at {$92.00}, so almost 2/3 of it is interest right of the bat. 

The company has not explained this well and I am confused by their billing practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: On XX/XX/XXXX, an account with XXXX XXXX with a collection agency of XXXX XXXX XXXX for the amount of {$190.00} was placed into collections on XX/XX/XXXX. Account was paid directly to XXXX XXXX on XX/XX/XXXX and was advised that a supervisor with XXXX   XXXX had emailed the collection agency of XXXX XXXX XXXX to delete the account from my credit report. However, on XX/XX/XXXX, I was advised by the collection agency that no information was submitted from XXXX   XXXX and that account will remain on my credit report until notification from XXXX XXXX stating account has been paid in full. I then requested for fax number to fax in proof of receipt provided by XXXX XXXX stating that account had been paid in full. At this time, I was informed by the male customer service rep that receipt would not be accepted due to not being provided from XXXX  XXXX directly. On XX/XX/XXXX, I spoke with a supervior at XXXX XXXX who advised me that communication was previously sent on XX/XX/XXXX and that I will need to wait 4-5 business days for account be deleted with collection agency. I was advised to file a dispute with the collection agency due to account being reported incorrectly with Transunion. However, Transunion states that collection account was verified as correct reporting as of XX/XX/XXXX. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX and advised the represtative again that account has been paid in full to the original creditor. Rep again states that no information has been received from XXXX  XXXX concerning account being paid, at which point I stated that I have proof from XXXX  XXXX that account was paid in full on XX/XX/XXXX. Rep advised me to upload documentation to their website but now states that receipt has to verified by orginial creditor of XXXX XXXX and is refusing to delete account from my credit report, although, they have documentation that account has been paid in full. This is negatively impacting my credit and is delaying my purchasing of a home.

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 08-03-2017 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: Information belongs to someone else

Complaint: Hi my name is XXXX XXXX. To whom it may concern I would like this matter to be taken very seriously because they 're are several accounts on my credit that seems to either be an error, wrong, unverified. I am aware of all my rights and there seems to be a very big problem where I feel that several laws in the FCRA we 're broken and I can point them out. 1. The accounts are outdated. 2. No verified signature or paper with a signature. 3. A verbal verification or a phone call ca n't prove it 's a verification between a creditor and the credit bureau. 4. I refuse to get blamed for a fraudulent and I was wrongfully judged and discriminated against by XXXX, Equifax, and XXXX customer service reps were disrespectful, unprofessional and I am filing a lawsuit on behalf of these accounts and they way I was treated. I was treated poorly, unfairly. A. XXXX B. Equifax C. XXXX : 1. XXXX XXXX : fraud 2. XXXX XXXX : fraud 3. XXXX XXXX XXXX : fraud 4. XXXX XXXX XXXX XXXX : fraud, no signature verification, Date opened XX/XX/XXXX past 7 years old account. 5. XXXX XXXX XXXX, fraud, error late account opened in XX/XX/XXXX 6. Comcast, fraud : Learn some manners and respect whomever you  speak to when doing business. Remove all fraud and error accounts listed above. Please remove any accounts associated with the address XXXX XXXX XXXX XXXX FL XXXX. I am not associated with this address and any accounts that are under this address. Remove all addresses immediately please. The only address that should be listed on my accounts is XXXX XXXX XXXX XXXX XXXX FL XXXX, this is the only address associated with me. The only social security associated with me is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I found a debt collection on my XXXX credit report XXXX XXXX. I had very little information to go on accept the original creditor. After calling orginial creditor, who verified the debt was from XX/XX/XXXX, they gave me a number to call the debt collector, Credit Collection Services. I proceed to call the number for this debt collector. I informed the debt collector that I had never received a notice of right to dispute. The address they had delivered the first notice to I had moved out of XX/XX/XXXX.. So, In short I tell the collector I have proof that I moved out XX/XX/XXXX and they told me their first notice came to that address XX/XX/XXXX The mail was never forwarded and I was never made aware of the collection. I informed the collector this is illegal and against my rights. The collector hung up on me with no attempt to resolve this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: Transactions which I believe to be fraudulent have been posted to my XXXX business checking account for the past several months. Although my XXXX representative was able to stop payment on future charges they claim they can do nothing about the prior fraudulent charges. Those charges originate from a JP Morgan Chase bank account. They are on behalf of a company called XXXX My bank was able to provide a JP Morgan originating account number of XXXX for those charges. Although I have made several attempts to contact JP Morgan about these activities I am NOT able to get past their automated phone tree so that I can talk so someone about trying to stop future fraudulent transactions and recover the money from past transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
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  XXXX   2015  I owed a debt to the   XXXX    XXXX  in the amount of {$620.00}. In  2015  they took the amount owed from my personal taxes for the full amount. Its currently still reporting on Equifax under public records, after several disputes with them. If needed I can get a printout from the workforce for proof of payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2016 about Credit card () with PAYPAL HOLDINGS INC. (IN).
Issue: Unsolicited issuance of credit card

Complaint: I have a PayPal Credit card that I did n't " knowingly '' apply for. I thought I was making a donation to XXXX and paying for it with a credit card that I use for everything. Later I received a billing statement from PayPal. I called to get an understanding about the bill and " credit card '' and learned that I had actually opened the account. This struck me as odd and deceptive. When reading an article on the internet today, I decided to report this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Other

Complaint: Issue with Chase Credit Card : For the last week, I had been receiving calls from an unknown number, when I would n't answer they would leave a blank voicemail. On XXXX, I got frustrated and actually picked up the phone and got an automated message from Chase XXXX that my account is XXXX days past due for a charge of {$200.00} of which {$75.00} is late fees? Wait, back up a minute:1. I did n't even know I had a chase card? 
2. After XXXX hour of being transferred from XXXX department to another ( none of which can verify the transactions on my account ), I get hung up on. 
3. So, I call again and after being on the phone for another hour ( transferred from fraud to Collections to Customer service to Credit Bureau ) I am told that there is prime membership charge of {$100.00} from XXXX ( meaning the rest of the XXXX is late fees )? Why XXXX chose to charge it to that card when my default card is XXXX is beyond me. 
In any case, up until today, I did n't even know I had a chase card. What I tried to explain to all the different reps on the phone for XXXX hours ( who were just trying to get a payment out of me ) is that I would be more than happy to pay the charges. BUT, I am not okay with them XXXX my credit. I got NO statements because I was not even aware I had this card. They are playing with my credit that I have worked hard on for XXXX years for {$200.00}? I tried telling them so many times I want to make a payment but save my credit and they will not listen. From asking me to call the credit bureaus to calling USPS they want me to go through that entire ordeal for {$200.00}? Finally I am transferred to XXXX, supervisor in credit research who listens to my situation and agrees that this is not my fault and promises me ( please listen to the call ) that my credit will be fixed and she will remove the negative reporting from my XXXX and call me back on XXXX. I make the payment, and hang up. Today is monday, XXXX and I have still not received a call back. So, I call chase and talk to XXXX, their cbr specialist who tells me that my request was never approved and that i have a XXXX day, XXXX day and XXXX day report on my credit. I am in tears .. My credit score was XXXX, I have worked vry hard for it. I am originally from XXXX and moved here at the age of XXXX and have worked really really hard for it. Please do n't let them ruin this for me. I have NEVER missed a payment in my life and did not reach the XXXX score by missing payments. Need help, please help me save my credit, CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Debt collection (I do not know) with GMA Investments, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have received calls for many months on my home phone. I generally block these calls, however, on one occasion, I spoke with the representative of the company claiming to be XXXX ( when I asked what that stood for, he said " nothing. ) '' He then started quoting my personal information, social, date of birth, etc. I would not confirm that this was my information. These calls were made during the months of XXXX, XXXX of XXXX on multiple dates.
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I returned one call, and another person answered and asked. " Are you aware you are being sued? '' I said no. She stated that I had a XXXX XXXX bank loan from XXXX XXXX which I had not paid. She stated that I could settle the claim by paying her {$200.00} by credit card. I have never banked with any such institution. The phone numbers used were XXXX and XXXX. I feel that this was a result of identity theft. In XXXX of XXXX, someone had stolen my identity and tried to borrow {$4000.00} from XXXX XXXX XXXX in my name. I have an agency that monitors my credit and was able to stop the loan. I filed a police report. The matter was resolved. They ( identity thieves ) only had some of my information.
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I have frozen my credit and issued fraud alerts to the credit agencies.
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Starting on XXXX XXXX, then XXXX XXXX, XXXX, XXXX, and XXXX XXXX ( XXXX ) ; I began receiving calls from Summit Receivables. When I looked them up on line, like, XXXX, they were referred to as scammers trying to collect debt. One person was XXXX, another was XXXX XXXX, Department Manager. He stated this may or may not concern you. They also state that this is a courtesy call and that I must call to resolve the matter. Again, I have excellent credit but someone has either stolen my info and borrowed money in my name. But these do not show up on my credit reports. I get calls almost daily from multiple XXXX numbers but the call back number is the same, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland funding continues to make false claims about a debt that does not belong to me. I placed a fraud alert recently on my credit report because Midland Funding placed a debt on my credit Report that 's not mine. I also recently tried to access funds from my credit union and Midland Funding falsely sent paper work claiming that a court order a freeze to my account and I am not able to access my funds but all my other accounts are not frozen. I truly believe this is illegal and should have never happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Making/receiving payments, sending money

Complaint: I have a XXXX account for a XXXX - XXXX. We received an award from the Department of Justice and I submitted an XXXX form to have funds electronically deposited. The DOJ tried to confirm the account with Bank of American and got no response over a 2-month period. They called me with this problem and I went into the Bank of America branch at XXXX and XXXX in XXXX OK to ask them if they would contact DOJ and confirm my account. I met with branch officer XXXX XXXX. She told me that there was nothing she could do and it would have to go through a fax line. She had no other information and did not offer to assist. I asked her for a phone number to a department within BOA that could help. She offered no help. I then attempted to contact DOJ while in her office to see if there was a way to expedite a resolution. She got irate, told me that I was " wasting her time '' and " to get out of her office ''. She was screaming to get out. My colleague was with me and commented that she did n't need to yell and she then said she was calling the police. When asked what happened to customer service, she yelled " Shut up! '' I will be closing my account with BOA. I would hope no other person trying to get a problem resolved has to interact with this very rude individual who should absolutely not be working with the public. This incident was at the least an unprovoked verbal assault.

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 04/23/2016 about Consumer Loan (Vehicle loan) with MARINER FINANCE, LLC (MD).
Issue: Problems when you are unable to pay

Complaint: XXXX has continued to report a judgment on my credit despite providing proof that it should not be reporting on my credit file. This has been disputed several times and was removed from my file but reinserted several months later. I have recovered documents from my complaint against Mariner Finance with the Maryland OAG admitting that they agreed to completely absolve me of the debt, vacate judgment, cease credit reporting of the debt and stop harassment in exchange for {$3000.00}. I explained this to XXXX numerous times and they have continued to report this judgment even after being provided proof of me being released from liability and connection with the loan and judgment. The loan was joint and collections are currently against the other party and not me. There is a clear statement from the creditor admitting they did not save the written proof but verbally agreed to exonerate me of any and all reporting and collecting including the judgment. There is now written proof of agreement.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (KY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On XXXX XXXX, XXXX I disputed the accuracy of my student loans via XXXX XXXX. Today 's date is XXXX XXXX, XXXX and my dispute is still ongoing. To my knowledge companies have 30 days to investigate and update any inaccurate information or to delete any inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Managing the loan or lease

Complaint: I purchased an automobile through XXXX and it was financed with Santander Consumer USA. I had to have a co-signer to ensure that I could get the car. The car was totaled in an accident that I had where a tree was in the road and due to low viability, I drove over the tree. My insurance totaled the car out and there was a renaming balance left on the finance. During my finance I was harassed by agents telling me that my car was up for repossession and I was not even 60 days behind on my payments. I have requested validation of the payments that they are reporting to my credit history. This has damaged my from getting credit with other creditors. I would like for this to be removed from my credit report and ensure that it is not sold to another company who will then report it.

Company response to consumer: Closed with explanation