milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: My mother had requested a credit card in my name with ALL of her creditors to assist her with purchases after my father died and she became XXXX.  I was NOT a card owner, just a card signer.  ALL of the credit card companies were notified of my mother's passing in XX/XX/XXXX and all but Bank of America cleared those credit cards from my credit account.  I rec'd a letter from B of A in XX/XX/XXXX asking for payment.  I called them and explained yet again what had happened. Not hearing anything further, I was under the impression that things were taken care of.  5 YEARS LATER, I received an email from XXXX that Bank of America reported the non payment again.  If I did NOT have a membership with XXXX, I would have NEVER known about this problem.  Until I personally called Bank of America, I had no idea what was going on.  Why did it take XXXX years, and why did they not contact me personally?  They were advised again that this was NOT my account but my parents.  Again, they have denied my claim and are holding me responsible for the outstanding balance due.  

I am attaching the letter that was sent to Bank of America.  You will see that I also copied and mailed that letter to each credit reporting agency, as well as CFPB and the OCC.  The letter will explain in more detail my issue with Bank of America.

Also, the account number changed XXXX times over the years, and the account number listed on my credit reports is yet another number, and so I cannot even provide that as you only receive a partial number on your report.  

I want Bank of American to contact all XXXX credit reporting agencies to have this removed my credit history.  This account should have been canceled in XX/XX/XXXX or at the latest, XX/XX/XXXX.  It was closed and yet remains on my credit report.

Thank you for your time and for looking into this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX is attempting to collect and sue over an account that was paid in full by XXXX insurance provided by GE Capital in 2012. This debt is false. I am being harassed over the phone with multiple phone calls back to back and they have come to my home at XXXX threatening my spouse

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 03-05-2017 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Credit card protection / Debt protection

Complaint: I applied for a credit card through XXXX to buy a new computer. Synchrony financial offered me a 0 % interest credit card. After three months I looked at my account activity and the company has been charging me a card security fee every month. I have lost about {$47.00}. I will call and cancel this. I never agreed to this fee. I think it is fraud and was in the fine print of the credit card information. Synchrony bank sucks!

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 02-12-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I tried to settle this dispute offering a large portion money owed on my private educational loan, but XXXX refused, called me and my fianc all sorts of foul names. I then received notice that my loan had went to judgement and I can no longer negotiate. What can I do, to help my situation XXXX is nasty, and they will not leave me alone. I want to get things squared away so I can get rid of the judgement amend move in with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Two judgements from XXXX XXXX XXXX is being reported on my credit report. Both have been vacated as they were filed under my name when they belong to a spouse. Due to the company being unable to touch my spouse while on military XXXX they charged these accounts to me. They have both been satisfied and vacated however they still show on my credit report. These do not belong to me. The lease in question was signed without my consent and is not my signature. Please remove these vacated judgements. They were only granted because I was not aware of the proceedings against me as they sent all correspondence to my former spouse.

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: RE : Report number XXXX, XXXX XXXX, 2016 Name IDs : XXXX, XXXX, XXXX My Experian Credit Reports not only an incorrect report of unpaid fees from a collection agency, XXXX XXXX XXXX XXXX, for a company named XXXX XXXX XXXX XXXX XXXX, but repeats this as over a half dozen unpaid fees. All of these fees had been paid at the time of service, as was strictly required and payment enforced before service performed, but due to the service provider 's sloppy record keeping, the business did not properly record the payments, while it 's fastidious policy of requiring payment on the spot insured non-payment would not happen. I am not only upset at their erroneous reporting, but their maliciously reporting their claim multiple times as if they were a multitude of credit incidents making their damage to my credit as though a multitude of creditors for their small ( approx. {$20.00} ), individual payment required at the time of each service. 

I refer specifically to their repetitive entries on my credit report : Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Not only are these maliciously reported multiply repeatedly to accumulate undue overstating and degrading of my credit, each and everyone are false reports of already paid fees which are improperly being claimed!

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 05/16/2016 about Debt collection (Medical) with Debt Recovery Solutions, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: DEBT RECOVERY SOLUTIONS , LLC, XXXX XXXX, XXXX, NY XXXX : ( XXXX ) XXXX is reporting a {$0.00} balance on for an account # XXXX on my credit report that has already been paid to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX for the same account. The account with Debt Recovery Solutions was disputed with XXXX as not belonging to me as the debt has been paid. The amount on the report was {$600.00} and was updated to {$0.00} but still remains on my report. It is incorrect to for the Debt Recovery account to remain on my credit file as this debt was never paid or owed to them.

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Erroneous Information and Statue of Limitations

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Filed an online dispute with Transunion in regards to a XXXX to update the balance as it was incorrect. Account balance was showing $ XXXX+ when I paid it down toa {$0.00} balance in XXXX 2015. The investigation results came back and stated the account was deleted. This is not what I asked for them to investigate. They deleted a very good standing credit account on my credit profile and need it to be added back on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Managing the loan or lease

Complaint: the lender was very good at giving the loan out at making 135 % interest! but when I tried paying off the loan early ( there was no prepayment penalty stated XXXX the kept giving me the run around about pending payments and wanted me to overpay the balance on the loan! RIP OFF COMPANY TAKING ADVANTAGE OF PEOPLE IN NEED!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Ally bank shows over 30 days past due. I dispute with credit reporting agencies they did not correct. Also spoke with XXXX at ally back, he said that it should be Corrected. They have not done so. I did pay pay the account late but was only 29 days late not 30. I paid on like on the XXXX of XXXX. They said I paid after that. Shows on mine and my wives files

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 08/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: SENT LETTERS TO XXXX CREDITORS ON XXXX2015 AND NO RESPONSE

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 10-12-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Dear Gentle People at Consumer Financial Protection Bureau I was referred to you and read the article about CFPB and student loan unsavory practices. I made a lump sum payment ( XXXX ) to XXXX XXXX in XX/XX/XXXX, " students making a lump sum payment toward the principal are discovering that companies servicing their loans are making it harder to save money on interest charges. '' I recently discovered this with my student loans. 
My loans are started in XX/XX/XXXX for my XXXX degree to my XXXX in XX/XX/XXXX. My loans were under XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX and then transferred to Navient. 
XXXX XXXX has no record of my loans or loan payments at all!! 
I applied for the Public Service student loan reduction payment plan with XXXX XXXX in XX/XX/XXXX. 
Navient stated I would have to reapply and start the program over! 
Navient only has records going back to XX/XX/XXXX. 
Whatever you can do to help would be greatly appreciated! 
Respectfully submitted,

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Consumer Loan (Installment loan) with LendKey Technologies, Inc. (OH).
Issue: Shopping for a loan or lease

Complaint: In attempting to refinance my student loans into a variable rate I was preliminarily approved at Lendkey. In order to proceed I had to acknowledge that I may be required to open an account and that my credit ( soft hit ) would be pulled to conditionally approve me and send to a lender that fit my criteria which I was fine with. Once my preliminary credit ( soft hit ) was run they sent me to the XXXX Credit Bureau out of XXXX XXXX. The XXXX XXXX XXXX ran my credit ( hard hit ), approved me and then sent me a link to open the account that was necessary. When clicking on the link it required that I either be a 1. employee, retiree, or family member of an XXXX XXXX XXXX XXXX, 2. Live, work, or go to school within Washington XXXX, or 3. Pay a membership fee to XXXX of the XXXX organizations that they support. When I called XXXX they stated that a person should not be really referred to them unless I met criteria XXXX or XXXX. While I was willing to open an account and keep a minimum balance or otherwise I was not willing to pay a membership fee to join the credit union to have an account when the purpose of the loan was to save money each month not to turn around and pay it back out to an organization. When I contacted Lendkey back they stated that they do not in any way monitor the requirements to open an account for the credit unions they work with and could not send me to another lender since I wanted a variable rate XXXX was the only one that qualified. If I did n't qualify for an account at the places I was eligible ( AgFed the only XXXX in this case ) and if additional fees to get an account would be required then this should have been disclosed upfront since I would n't have agreed to it early on and would have withdrawn my application on my own prior to my credit bureau ( hard hit ) being pulled. Since my credit had been pulled my score has thus dropped because of the inquiry. Therefore Lendkey misled me as a consumer and had no other options when the only credit union they could send me to was going to cost additional fees. They said if I was n't willing to proceed they would withdraw my application which of course they did after I said I was n't willing to pay fees to an organization I was n't interested in.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a hard inqu. that i did not authorize.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (MD).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I was in the XXXX XXXX and purchased a XXXX XXXX XXXX in XXXX of XXXX. Hyundai financed it at more than {$10000.00} OVER the value of the car. ( All documents attached ). They never should have financed this vehicle. We contacted Hyundai and the dealer within XXXX hrs of purchase, expressing concerns. Hyundai employee stated basically that since I was military I would have to pay the car loan or get in trouble with military. ( see attached notes ) The concern was this loan was WAY MORE than the vehicle and never should have been made. All other banks declined a loan stating we wanted more than value of car and it is not possible. Hyundai approved it immediately. Frustrated I continue to pay the car. I should NOT have signed the finance papers but being young and stupid I did. However, Hyundai should NEVER have agreed to finance this vehicle for so much over. I have been paying on this car for XXXX XXXX years and found out you might be able to help me. I would like to either have Hyundai take the car back and relieve me of this loan ( with no effect on my credit XXXX or clear me of the loan and let me keep the car since I 've been paying it for over XXXX XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (MO).
Issue: Account opening, closing, or management

Complaint: Regions Bank refuses to confirm the date I can expect to receive the XXXX they " XXXX '' confirmed that I qualified for after being asked numerous times to do so. If I have indeed met all the terms, then it should be easy to see on their end when I can expect to receive the bonus.

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 03/23/2017 about Debt collection (Non-federal student loan) with Penn Credit Corporation (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I owed XXXX University money on an outstanding balance that I was paying monthly at a rate I could afford. Their request was upwards of $ 600/month. I was at about $ 100/month. I paid them approx {$480.00} mid XXXX & was notified by mid XXXX that my account would be going to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Trying to collect a debt for XXXX XXXX account which I successfully challenged back in 2013. XXXX attempted to collect a debt but was actually revealed to have over billed me and ended up sending a refund payment of XXXX dollars to me in this matter. This is a bogus debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Other

Complaint: I 've sign up for Capital One 's Platinum card with a starting balance of {$300.00}. I received the card almost two weeks ago. I had to activate by phone because this website was unreachable. I have tried dozens of times to access my account online but after signing in, the page fails to load and the " site ca n't be reached ... XXXX address could not be found '' With out being able to access my account I can not manage my card, make payments, check the balance, or even see when my payment is due. This seems to be a deliberate restriction of access to account in order in incur fees

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for a loan with big picture loans.com, when I spoke with the representative who was a lady, she advised me that I was approved for a XXXX dollar loan and my pay off balance would be XXXX dollars. XXXX dollars would go to my finance charge. I have XXXX options to pay the loan back. The first is to pay the XXXX in full by the first payment date of XXXX/XXXX/2016. The second is to make monthly payments of XXXX a month. No where did she mention the amount of the finance charge would b 793.6667 %. After she finish my paperwork I was advise I can log into my to check my payment status. I was unable to check anything put the payoff balance which said XXXX dollars. Once my first payment was taken out of my account I wanted to check my payment amount for the month of XXXX. That 's when I was able to view my documents and see the ridiculous amount that they are charging me for a XXXX loan. I was very upset because I can not afford to pay back XXXX XXXX dollars on a XXXX loan that I borrowed I can see XXXX dollars that I was told. I 'm a single mother of XXXX with no help from anyone, that 's why I turned to the loan but not to be robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Debt collection (Other debt) with ERC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: They keep insisting that I owed a phone bill but I never had their service in the home for the time they said. The only " evidence '' of the alleged debt is a monthly bill not showing the actual charges but a bill from the following month which shows an alleged balance due from the prior month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (NJ).
Issue: Application, originator, mortgage broker

Complaint: Almost 5 months ago I applied for a mortgage refinance with Amerisave. Despite the fact that my wife and I have excellent credit and income well above average, and also despite the fact that our house is in a very desirable area of XXXX NJ, the loan still has not been closed. I have been told verbally over the phone that I have been approved and that the closing will be scheduled soon but I am repeatedly asked to supply " just one more thing before we can close ''. I have asked to speak to a manager several times and the people I am dealing with have refused to give me the contact information for a manager. What has been happening over the past few months is that I have had to send and resend documents. They asked for a bunch of documents ( which is expected ) but then would later request them again, saying they lost the fax or in one case " my signature was n't dark enough ''. The document with the supposed signature problem was to request my tax returns from the IRS and that happened months ago. There were also some repairs ( adding a missing handrail and such ) that I needed to address and have done so. Now that the repairs are complete I am being told they found something on my tax returns ( this is months later ) and they need me to fax my original tax returns or they ca n't close the loan. I did a little checking and what I realized is that the interest rates have gone up and what I believe is that they keep stalling hoping that my rate lock will expire or that I will get so frustrated that I just go somewhere else. A friend recommended the CFPB. All I am hoping for is that someone contact Amerisave and verify that I am not being scammed and maybe motivate them to close the loan and honor the rate I have locked. Please note that ( after the fact ) I read some reviews on websites and have found that I am not the only person to have this problem with Amerisave.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation