milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 


The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (Medical) with Express Recovery Services, Inc. (UT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a summons from XXXX the attorney for Express Recovery Services in regards to an outstanding medical debt of {$77.00}. The summons stated that with collection and attorney fees, I owed {$350.00}. When I called the office of XXXX today, XX/XX/2017, to discuss settling the matter prior to judgment, I was told by XXXX that to halt the judgment the full balance had to be paid today. The amount XXXX said had to be paid to halt the judgment was over {$400.00}. I was driving at the time so was unable to write down the exact amount but the amount he said would be required to halt the judgment was well over the amount listed in the summons. I stated that amount was more than 4 times the amount of the outstanding medical debt. I asked if the amount could be settled on and was told no. XXXX also stated that payment had to be made today to halt judgment. I stated that I would n't be able to remit payment until the XXXX and XXXX told me that if payment was n't made today the judgment would be submitted. I again stated that I would n't be able to remit payment for 2 weeks, and asked if he was unable to accept the arrangement if that was n't someone there who could. I was placed on hold and when XXXX returned he stated that he could n't accept an arrangement because I 'd refused information on the call. When I stated that I had n't refused to provide anything I 'd simply stated what my intention of calling was when he 'd answered the call 5 minutes prior. I stated that if he 's telling me that I ca n't work out a payment arrangement because of a question he 'd asked over 5 minutes ago that seemed pretty catty. I told him that if additional information is required to work out an arrangement is required, then I can simply provide that information. XXXX stated that this call was n't going anywhere and disconnected the call. I called back and asked to speak to someone else where I was transferred to someone 's voicemail, and have yet to receive a returned phone call. The amount that XXXX demanded to halt legal action was inconsistent with the amount listed on the summons and legal action was threatened if that amount was n't paid in full today. This is deceptive and abusive.

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
Consumer complaint received 12/17/2015 about Credit card () with WELLS FARGO & COMPANY (IN).
Issue: Late fee

Complaint: I have my credit card payment on a weekly pay cycle of $ XXXX/week. During the course of a month ( 4 weeks or 28 days ) I make a cumulative monthly payment of {$220.00}. My minimum monthly payment due on my credit card was {$180.00}, due on XXXX XXXX, 2015. 
I was charged a {$38.00} late fee on my XXXX billing due to the timing of the billing cycle and the corresponding payments. 
My due date each month is on the XXXX, but my cycle does not end until the XXXX. During the month of XXXX I had a payment applied on the XXXX, which is between the XXXX and XXXX. 
The application of the XXXX XXXX payment was applied backwards, to my XXXX payment requirement. The resulting billing period for XXXX XXXX through my due date XXXX XXXX only had 3 weeks ( 23 days ) to make my payment. My payments were made each week on XXXX, XXXX, XXXX. 
The XXXX XXXX payment should have been my XXXX payment, which would have been 4 weeks ( 30 days ). 
I did contact the company and talked to a supervisor. The supervisor did state and confirmed that I was being charged a late fee for paying my bill early and on a regular basis, but there was nothing she could do about the late fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2015 about Debt collection (Payday loan) with Internal Check Systems, LLC (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: this company Internal check XXXX XXXX out of NEW york is calling saying they are process servers from my county, and are going to have the sheriff come and arrest me if I do n't pay immediately. Also, they claim to be a government ran business and attorneys and investigators. Just using any scare tactic that they can to con you into paying. they do n't verify any personal information, refuse to verify debt or give their physical address. the spoke to my family and my boss and disclosed that they are going to arrest me if I do n't pay a bill today ... I looked online and they are doing this to everyone. someone has to stop this immediately. I did some research and the company is registered toXXXX XXXX XXXX XXXX, NY XXXXthey use the mailing address:XXXX XXXX XXXX XXXX XXXX, NY XXXXthis address is a XXXX store that they have a XXXX XXXX atthey have numerous numbers that they use, but I believe the main number is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 02/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Experian Information Solutions Inc. (NC).
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: Date : XX/XX/18 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX NC XXXX Experian Dispute Department XXXX. XXXX XXXX. 
XXXX, TX XXXX XXXX : XXXX XXXX. XXXX Act. # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX XXXX XXXX Act. # XXXX which you claim is a Negative status. The account is and has been paid in full. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. 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 03/26/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX reported that I was 60 days late in paying g on my account. They eventually corrected the report to the credit bureau and sent me a letter of correction. 
But my credit score has NOT been restored to what it was before. Which was XXXX XXXX and XXXX Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I availed of the Secured Card service from Bank of America Financial Center at XXXX, Connecticut. Their branch address is XXXX XXXX XXXX, XXXX, CT XXXX XXXX Its a Debit Card which required me to deposit XXXXUSD of which i believe XXXXUSD has been set as the credit limit and XXXX USD as security deposit. 

Me and my daugther came back to the US on XXXX XXXX, 2014. i first experienced the issue of not being able to use my card and the online banking days after we arrived. After experiencing more of it i started to call them and made several calls to their costumer service hotline to inquire about about the problem, but the service representative 's answer is that they are not authorized to handle the problem. So i went to the branch where i opened the account and asked them for the reason behind the issue i was experiencing but they told me that only the credit department can resolve this. I made several successful calls with their credit department but they too could not explain why i could n't use my card and online account. It took several months until i finally decided to close the account. I remembered being refunded my security deposit. 

A couple of weeks later i saw a zero deposit promo from XXXX XXXX XXXX XXXX if you open a savings account with them. So i met with one of their account managers, as one of their requirement they told me that they have to run my credit history. so i agreed. This is the very reason for my complaint - the credit history contained a report from BOA - " Gross Abuse of the account " and that it says that i have a balance of 200 something. Right after i saw the report and being denied of the service, i went to the nearest BOA branch in XXXX CT. I asked them if they can check their system if i have an outstanding balance, the teller check but she could n't find my account since i already closed it weeks before. I was hoping to get a collection notice from BOA but not a single one came and yet everytime i call their hotline they always say that they ca n't handle it since i no longer have an account with them. It is because of this report that i was not able to open any account from any banking institution since 2014. Until this time no one from back of america can answer me why i have that comment in my credit report. I should n't even have any balance since it was a debit card, and i why was i refunded of my deposit if i had an outstanding balance.

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 08/18/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is reporting fraudulent inquires on my credit from companies listedXX/XX/XXXX XXXX AND XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX SHOWS XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX / XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Application, originator, mortgage broker

Complaint: I have been attempting to close on a rate refinance with Chase Bank for over 3 months now. Their underwriting is AWFUL as I have to repeatedly supply them with the same information. It is almost like they hire people for as little pay as possible and then are surprised when their underwriters are idiots. The worst part about this is, CHASE HOLDS MY PRESENT MORTGAGE I AM ATTEMPTING TO REFINANCE!!! I have never seen this level of incompetance and I work in the mortgage servicing industry.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Consumer Loan (Vehicle loan) with M&T BANK CORPORATION (NY).
Issue: Taking out the loan or lease

Complaint: Dear Sir or Madam, we are contacting you because we want to file a complaint with M & T bank out of XXXX, NY. M & T financed our XXXX XXXX, year 2013. The deal was lousy, a 15 year loan and that would be fraud. M & T took advantage of my sick and XXXX husband ( XXXX years old ). He is in poor health, has a terminal illness, XXXX besides other ailments. Please give him a call at your earliest convenience at XXXX. 
If we have to, we would be more then willing to also contact our local news station. Please advise us how we should proceed. We also have numerous other financial problems that would take to long to email. We appreciate you calling us back. My husband is housebound, he is always at home. 
Thank you A concerned wife our email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Medical debt) with Grimley Financial Corporation (PA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I spoke to a collector from Grimley Financial on XXXX/XXXX/XXXX on or about XXXX. This collector never gave the mini-Miranda. I advised this collector that " I paid this account before it was placed with grimley, I had a receipt from XXXX XXXX ''. This lady put me on hold to apparently check with the clients system. She came back and advised that this was not and that I was wrong. I told her, " ok then, I want the validation in writing that this my account and I want the intake documents showing my information. I want this removed from my credit report in meantime as so you are not violating my FCRA rights and Grimley is not to contact me until such documents are provided, as per my FDCPA rights. " ... This collector then goes on to scream/berate me about how " that time has passed and that this is my balance after XXXX XXXX XXXX XXXX payed theirs '' and that I am being rude. She then slams the phone and hung up on me! When these are my rights under the FDCPA and the FCRA. I tried to call back and speak with someone who was this collectors superior ; however, my calls mysteriously could never connect to any live individual, this again concerns me. How can I not call back and report this collector for their extremely aggressive tactics and language? I called over eight times in reply but never would connect. I feel this company was beyond their rights to try and deny mine. More like " XXXX '' Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Consumer Loan (Installment loan) with INTEGRA SERVICING, LLC (NM).
Issue: Managing the loan or lease

Complaint: Dear XXXX : On XXXX/XXXX/XXXX, I purchased a timeshare with the associated account # : XXXX. 
Due to a variety of factors related to misrepresentation, fraud and breach of contract I have chose to file a complaint through the Consumer Financial Protection Bureau. 
Please be advised that this matter is under investigation at the federal level through the complaint I filed with the Federal Trade Commission dated XXXX/XXXX/XXXX in order to resolve the issues pertaining to my sales experience with your company. My next course of action is to file complaints through the XXXX subjective to the state where the contract was signed, the state in which I reside, and the state in which your company operates. 
To resolve the problem, I am requesting general release from my timeshare ownership. Enclosed are copies of my records concerning this purchase. 
I am fully aware of the rescission period related to my contract ; fortunately that issuance within my contract is not relative to the fact my rights were violated at the point of sale. 
The following statements were issued to the Federal Trade Commission and now to the Consumer Financial Protection Bureau. Please be aware of each aspect of concern related to my cancellation request. 

1. The timeshare presentation was supposed to be 90 minutes ; I ended up being there for more than 5 hours. 
2. I was told that if I left the presentation that I would not get the same deal. 
3. I expressed multiple times to the sales rep that I could not afford the timeshare. 
4. I was told that I could sell the timeshare and sell it for a profit. 
5. The cancellation process of the timeshare was not explained to me. 
6. There was not a notary during the document signing ; the documents were taken to another room to be notarized. 
7. I was not aware of my rights for cancellation on this timeshare/contract. I never was explained the process and my rights to cancellation. 
8. They did not explain the documents that I was signing ; I was led to believe that I did not have to read the documents. The sales rep said " Do n't worry, just sign. '' I look forward to your reply and a resolution to my problem. Please contact me via direct mail at the above address.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery Associates , LLC obtained a judgment against me in XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX, OH ; 12 CVF 0432. This judgment is for account/reference number XXXX, which was paid on XXXX XXXX, 2016. I was told by a representative for Portfolio Recovery Associates that they would file a Satisfaction of Judgment with XXXX XXXX XXXX XXXX within 30 days of receiving payment for the collection account. It is now over 50 days since Portfolio Recovery Associates received payment for this judgment and they still have not filed the Satisfaction of Judgment with XXXX XXXX XXXX XXXX. Over two weeks ago, I sent Portfolio Recovery Associates a Certified Letter asking for the status of their filing the Satisfaction with the Court, but have received no communication from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2016 about Debt collection (Medical) with Medical Society Business Services, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have repeatedly asked Bureau of Medical Econcs to provide an original invoice documenting what this debt is for, along with any information that could help me identify exactly what this is for. I have no knowledge of owing the amount claimed of {$110.00} to XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2015 about Bank account or service (Checking account) with PNC Bank N.A. (AZ).
Issue: Account opening, closing, or management

Complaint: I had a virtual wallet account with PNC Bank which i opened during end of XXXX 2015. As per the customer service and branch person 's instructions I was told that I need to maintain a combined balance of {$2000.00} into all my accounts ( spend, growth and savings ) - which i did to avoid any service charges. 

On XXXX and XXXX there are deductions of {$15.00} from my Spend account - why? I remember speaking to customer service last time that I need to maintain {$2000.00} as a combined balance in my XXXX account ( all across my XXXX account with PNC bank XXXX - which i did. then why the deductions??? It 's in name of some " calculated service charge type pr ''. And moreover when PNC have my contact details on file ( with alerts and notifications ) - email as well as phone # why did n't PNC called me up in case you are going to levy these kind of charges? 
They have made this XXXX account so confusing ... just to make money out of the customers by hook and crook.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (VA).
Issue: Application, originator, mortgage broker

Complaint: Title Source on behalf of XXXX Bank contacted SLS to obtain a subordination agreement and proof of assignment regarding a secondary mortgage it has on my property. I recently learned that SLS has requested that the subordination document be signed " SLS on behalf of XXXX '' ; however, per Title Source 's title search, there is no record that XXXX is the current holder of the mortgage. Title Source and I have been informed by SLS that it will take 2 to 3 months or more to respond to the request. This timeframe is unacceptable and will likely to result in cancellation of my pending application. As a result of this delay, XXXX Bank has notified me that I will have to pay XXXX point per month to extend the application with a two-month maximum. In addition, if the subordination document is not properly executed, I will have to wait 60 days to reapply at almost certainly a higher interest rate. 
I am extremely concerned about the quality and lack of urgency expressed by the SLS customer service staff that I and Title Source have received to date and would appreciate receiving proof of the XXXX/SLS assignment and completion of the subordination document so that I can close my application and avoid financial penalties.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation