milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2015 about Debt collection (I do not know) with Highland Capital (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A male who said his name was XXXX called both me and my wife saying he was a Process Server and that he was letting us know that he would be at our home or place of employment to serve legal papers unless we called this number XXXX we called that number four times and all we get is a voice mail. With his last phone called he said, " that was your last chance and I 'll be at your home at XXXX on a specific date, Ill see you then. '' He leaves no other information on this matter. '' I contacted my Lawyer and he had me file a police report, file his complaint and keep any other contact with this person. My Lawyer informed me, plus the Police taking the complaint that Process Servers do n't call you before they serve papers and this was most likely a scam or and illegal attempt by a collection agency to collect a debt with scare tactics.

Company response to consumer: Untimely response
Consumer complaint received 05/31/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX Date XXXX/XXXX/XXXX Dear Experian Re : Inquires According to the Fair Credit Reporting act ( FCRA ) it is your responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer. 

I request you to show me these companies below met the proper requirements of the FRCA on the dates listed by providing me the hard inquiry. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX If you are not able to do so, please remove this inquiry immediately. I am providing my social security number ( XXXX ) to assist you in making this transaction a little easier and faster. 
Thank you for your time, 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 03/15/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: Today I received an e-mail purported to be from XXXXXXXXXXXX. It read : A change has been made to the e-mail address for your Equifax account. This confirmation message has been sent to the old and new e-mail addresses. 

If you feel this is in error, please call us at XXXX ( XXXX ), 7 days a week between the hours of XXXX - XXXX Eastern Time Zone. You may e-mail us any time at XXXXXXXXXXXX. Or you may write us at Equifax Consumer Services , Inc. XXXX XXXX XXXX, XXXX , GA XXXX. 

Your Equifax Customer Care Team NOTE : This e-mail is for your information, and does not require a response. If you need assistance on this or any other Equifax product, please contact us at XXXXXXXXXXXX, or call us at XXXX ( XXXX ). We kindly ask that you DO NOT REPLY to this e-mail. 
Based on viewing my Equifax report on your site, and my phone calls to Equifax , I can only conclude that this is a phishing expedition on their part to get me to buy protection services from them, as I have not had an account with them for many years, and I certainly did not change my e-mail address. 

Please look into this. I do n't believe they are allowed to use scare tactics ( ie : someone has accessed your account and changed the e-mail address ) to get people to buy protection from them. 
By the way, I did not call the number above, but rather contacted them on their web site number of XXXX XXXX, as I could not be certain the above number was actually them. 
Respectfully ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NCB MANAGEMENT SERVICES INC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: On XX/XX/2017 I received a call from NCB Management ( XXXX ) regarding an account I have with XXXX. At no point during the call did she advise me this was an attempt to collect a debt and that any information obtained would be used for that purpose. This is a blatant violation of the FDCPA and I 'm requesting the debt to be erased or restitution made to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Credit card () with BANCORPSOUTH BANK (MS).
Issue: Other

Complaint: Hello, I am trying to resolve an issue with a charge from XXXX XXXX in the amount of {$990.00} for services not as described, details enclosed for your review. 

ThanksXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Consumer Loan (Installment loan) with SB Holdings, Inc. (CA).
Issue: Managing the loan or lease

Complaint: I make online payments, on time, then find  out ten to twenty  days later that the payment did n't go through. The company then charges me {$140.00} late fee for a monthly due amount {$110.00}. This has happened 3 times in 4 months. They do not send out statements and do not offer them online. I can not verify my amount owed through their records.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/16, we sold our primary residence and paid off XXXX our XXXX mortgage with XXXX and our XXXX mortgage ( HELOC ) with Bank of America. Both payoffs were made via federal wire transfers. 
The payoff of the XXXX mortgage was promptly reported by XXXX to the Credit Reporting Agencies ( CRAs ). However, the payoff of the XXXX mortgage HELOC has not yet been reported to the CRAs by Bank of America. 
When I called Bank of America and asked them why this payoff had not yet been reported to the agencies, I was told that it will not be reported until XXXX XXXX, 2016 in accordance with Bank of America 's policy ... that I have to wait until the next " interest payment statement calculation '' before this XXXX loan payoff will be reported. 
This means that it will take nearly 30 days after the payoff date for Bank of America to report this loan payoff, and likely even longer before the CRAs update my credit report and XXXX score. 
This is damaging to my XXXX score, because the CRAs treat a HELOC loan as if it were a credit card for purposes of their scoring models, rather than as a XXXX mortgage secured by real estate. That is unconscionable, in my opinion, and I hope that someone brings legal action against the CRAs for that practice. 
That CRA practice aside, why should anyone have to wait for 30 days for Bank of America to report that the HELOC has been repaid in full and that the account is closed? 
I can no longer borrow on that XXXX as it has been closed, yet Bank of America is preventing my loan balance, financial condition and credit score from being accurately reflected. This is unfair treatment by Bank of America of every consumer who pays off a HELOC loan.

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 08-08-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: RE : JP Morgan Chase Account ending in XXXXI think {$830.00} in overdraft fees and interest on fees is rather usurious. 
I have been advised by a consumer protection attorney that there is a very strong case here for a class action, but really I 'd rather not tie up the court system and would rather have an uneventful resolution to this matter. 

I have been advised by council to try to seek a resolution through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient ( when they were XXXX XXXX ) tried to send me to collections while I was attending school full time, and when I graduated, they immediately sent me to collections without mailing me any info about repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo, servicer on my primary home mortgage, has made repeated, unauthorized hard inquiries just months apart that have affected my credit score. I have never been late on a mortgage payment in the eight years since the loan originated. I did not apply for a refinance or modification of the loan, although I have received numerous calls and letters from Wells Fargo suggesting that I do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I recently applied for a HELOC ( home equity line of credit ) with Bank of America ( " BOFA '' ) and they quoted me a {$100000.00} HELOC at variable rate. Before asking me to run my credit, they told me their desktop appraisal provided a value for my property sufficient to cover a {$100000.00} HELOC. I agreed to have them run my credit based upon the interest rate they quoted me and based upon the property value they quoted me. Had the interest rate they promised and the property value they quoted me been less than as represented by BOFA, I wuld never have allowed them to run my credit. BOFA informed me that my application had been approved and also opened up a web portal for me to submit paystubs and w-2s. After I spent significant time and energy, they informed me that they had re-reviewed my application and that suddenly I did not qualify for the HELOC as represented and that they suddenly needed more information to review the property value on my home. After a couple of days, they contacted me and told me that I did not qualify for my HELOC suddenly and a few days later, I received a letter informing me that I had been denied credit. BOFA is engaging in a bait and switch process that has now hurt my credit because the credit inquiry remains on my credit reports. This is fraudulent conduct and I am demanding that BOFA remove the credit inquiry they conducted based upon false pretenses. Had they not told me that my property qualified for a HELOC ( based upon value ), I would never have allowed BOFA to run my credit. BOFA 's credit inquiry should be removed from my credit report.

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 02/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX ( XXXX ) Debt collector did n't verify collections. No contract no signature

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 04-07-2015 about Debt collection (Credit card) with National Principal Group, LLC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX called me, my daughter and my sister. Saying he needs to verify my home and employment address. So he can summon me for court and jail time. Then saying I have been notified. XXXX File # XXXX. He is very threatening and mean. He has no respect in his voice.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Consumer Loan (Vehicle loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (OH).
Issue: Problems when you are unable to pay

Complaint: I got a loan for a harley davidson bike, i fell on hard times and could not make the monthly payments. To my knowledge i think the bike was repoed after i was contacted by a repossession agent regarding the bike. The bike is now on my credit report stating i owe almost XXXX damaging my credit really bad

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: My information was compromised due to the Equifax negligence. I contacted Equifax about this information. Equifax has granted the TrustedID program and waiving the freeze fee by Equifax. However, there are other agencies where my information is at risk due to what Equifax has done. I have to put a freeze on my account with those agencies as well. Those freezes cost money. Equifax should cover the fees of putting these freezes on my account with other agencies because without the negligence from Equifax I would not have to put these freezes on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (I do not know) with Erin Capital Management, LLC (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received the attached ( to this complaint ), notice form the XXXX New Jersey on XXXX XXXX, 2016. It states that a judgement was made against me for {$13000.00} in favor of Erin Capital Management. 
This case was settled without my knowledge. I have never received any summons nor was I served any papers giving me opportunity to defend against Erin Capital Management 's claim. 
Regarding Erin Capital Management : I have no knowledge of who they are, any purchase they may have made of a debt of mine, from whom, or what they paid for said debt. 
The notice from XXXX XXXX XXXX, court officer, also states that a copy of the writ of execution was attached. No such copy of a writ of execution was attached to his notice. This notice came in regular first class mail. 
I believe that Erin Capital Management is in violation of the Fair Debt Collections Practices Act ; and, improperly used the XXXX XXXX XXXX New Jersey.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (TX).
Issue: Problems when you are unable to pay

Complaint: Ally Financial is reporting XXXX 30 day late payments in the same month, XXXX 2015. I currently do not owe any payments until XXXX 2015 and have cleared bank debits of XXXX payments in XXXX due to poor communication on behalf of Ally and poor record keeping and reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient had notoriously taken my over payment and applied it to interest and advancing my payment due date, rather than applying my extra payment to the principle of the loans. This extends the life of the loan and the financial hardship on myself.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Transaction issue

Complaint: I placed an order on Walmart.com on XX/XX/2015 for XXXX coats for a total of {$69.00}. Neither item fit so I requested a return for both items. They supplied me with a return label on XX/XX/XXXX. I returned both items in the same package on XX/XX/XXXX. I received an acknowledgement that the return was received on XX/XX/2015 but I noticed they only refunded XXXX item. I called the next morning to follow up and was assured they would process the rest of the order shortly. I followed up on XX/XX/XXXX as the other item had not been processed yet. I was assured that I should wait as they are busy. I waited again, until today XXXX/XXXX/2015. I have called them 4 times, have been disconnected each time after waits of up to 455 minutes and can not receive any assistance. They need to audit their returns and I need to be refunded!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose prepaid card) with Blackhawk Network Holdings Inc. (CA).
Issue: Unexpected or other fees

Complaint: I received a {$270.00} pre-paid Visa card from MyPrepaidCenter.com in   XXXX   2016. The card was labelled as " Valid Thru  XXXX  ''. I last used the card in  XXXX  2016 and it still had a value of {$93.00} according to MyPrepaidCenter 's own website. I called them today to have a new card issued and they said they would only do it if they charged me a {$15.00} fee and also they have been charging me a {$3.00} maintenance fee every month for the last 8 months since this arbitrary " valid thru '' date passed. Now they say the value is {$62.00}. I believe these fees are illegal and violate the CARD act, and a {$15.00} reissue fee is excessive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2016 about Debt collection (Payday loan) with Lionstone Holdings Group (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: They called twice to serve me with legal papers unless i contacted them. They want more than what the loan was for and if it was n't paid they would take " action against me ''. 
The deadline came and went nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (I do not know) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Upon reviewing my credit report i noticed a collection from XXXX XXXX XXXX. I am not sure how that is even possible. I have never been contacted by nor have i EVER done business with XXXX XXXX XXXX. I would like to take ADVANTAGE of my right as a consumer and dispute this account. XXXX XXXX needs to remove this account until i am able to dispute and they 're able to furnish me debt validation where i agreed to do any business with them hence owing them any money.

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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I tried to delete inaccurate information from my Experian credit report but Experian refused to do that. I told them to delete incorrect name but they refused to do that. I told them that according to FCRA they should correct all inaccurate information and remove all wrong names but they insisted in doing illegal behavior and they refused to delete incorrect name. 

My correct name is following : First Name : XXXX Last Name : XXXX XXXX I do n't have middle name. My last name is a compound last name so it has two words. There is a " space '' between " XXXX '' and " XXXX ''. 

All other names and aliases should be removed including the following : 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 non-monetary relief
Consumer complaint received 09-05-2017 about Debt collection (Other debt) with Fairway Capital Recovery, LLC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On/Around XX/XX/XXXX I received a voicemail that I owed {$90.00} from living at XXXX XXXX at XXXX in XXXX XXXX, MO and if I did n't pay that day I would be sent to collections.I lived in the lofts from XX/XX/XXXX- XX/XX/XXXX. I paid all my rent in full and sent my notices to vacate prior to moving out. I never received a notice prior, then two years later get told I am getting sent to collection that day. I have contacted XXXX XXXX as well as Fairway Capital to get to the bottom of this with no avail. In XX/XX/XXXX I got a letter from Fairway Capitol only after reminding them that they were in violation of creditor law letting me know what I owed for. The letter has no dates and is extremely vague but says an auto charge on XX/XX/XXXX in the amount of {$81.00} and that the rest is for utilities. I moved out before the end of XX/XX/XXXX. I never lived in the residence after that and I gave numerous notices ( more than 90 days ) that I was vacating. I had moved out over 30 days before the dates listed on the letter provided by Fairway Capital. In XX/XX/XXXX I again contact XXXX XXXX and was told I had to talk to the owners of the property ( XXXX XXXX ) and was given the email address for a XXXX XXXX. On XX/XX/XXXX I contact XXXX XXXX via email and explained the situation but did no receive a response. Fairway Capitol discontinued contacting me until XX/XX/XXXX when they resumed calling me numerous times a day from different area codes. The agency has also reported the debt to collection agencies and it has negatively affected my credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Payoff process

Complaint: My XXXX suggested I use Credit Care/Synchrony Financial for a couple of root canals since I could not afford it on my own. CC gave me a whole year to pay monthly at 0 % APR yet, then after that year the APR would increase to 26.99 % APR. Within that first year ( XX/XX/XXXX ) I paid {$1600.00}. But, when the year was over ( XX/XX/XXXX ) CC added back the amount I had paid along with the 26.99 % APR. I have never had that happen to me before with any other credit card, that when the promotional rate is over, your hard earned payments during that time are added back to the card! I talked to several customer service reps saying that this is how they handle all accounts if they have not paid in full during the promo time. I find this abusive to the consumer and unjust. I now have to not only pay the {$1600.00} all over again but with an additional 26.99 % APR. This is just downright consumer abuse.

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