milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Account opening, closing, or management

Complaint: I have been a customer of Bank of America for twenty years. I have always paid my bills with them on time or before due date and in most cases more than the minimum due. 6 1/2 years ago my wife had to file for bankruptcy due to loss of job and excessive medical bills. She was a co-signer on our 2nd mortgage and LOC. I assumed total responsibility for the debt and have been paying without incident, always on time and more than what was due, online using my BOA checking account. 
The other day I signed on my BOA account to review my accounts to make payments and found that I could no longer access both 2nd mortgage and LOC. I received a message that I could no longer access those accounts of make payments because of a bankruptcy or discharge of such. I contacted BOA thinking that this was done in error and informed them that I never filed for bankruptcy and for 6 1/2 years I have paid on these accounts using my BOA checking online access without incident, never late. 
I was told that I could no longer do so and that I now would have to phone in my payment, use a paper statement or go to the local branch to make my payments. As a XXXX vet going to a local branch would be problematic and calling BOA on anything has been shown to be anything but easy. 
I have done nothing to warrant BOA actions. I have a flawless credit history with credit scores in the lower XXXX range and my history with BOA has been the same. BOA did n't loose a thing on my wife 's bankruptcy and for them to take such an action after 6 1/2 years of flawless payment history by me is just wrong. 
When I spoke to their bankruptcy department they said that their actions were done to protect me. How is blocking my access to my accounts to keep my flawless payment history from continuing, protecting me? I emailed the CEO requesting his assistance in this matter and of the date of this complaint I have not received any response. 
So again, I never filed bankruptcy, I have never been late and as a customer I would be the type of customer that most banks would like to have. I also have a BOA credit card and they just raised my limit to {$23000.00}. because of my credit history with them. Does any of this make any sense? BOA is without a doubt the worst bank I have ever dealt with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Late fee

Complaint: Sam 's Club MC/SYNCB charges late fees plus interest for payments submitted on or prior to due date. I have had {$97.00}. in late fees and {$16.00} interest added to my balance ( which is paid in full except for the {$110.00} ). Have written with 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 monetary relief
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On last month I filed a dispute with Experian about an account resulting from identity theft and they said that it came back verified. On XXXX XXXX2018 I sent another request along with my Federal Trade Commission Identity Theft Report, they already have copies of my police report. Along with the FCRA section 605B which as a credit reporting agency I am sure they should be familiar with. Section 605 B of the Fair Credit Reporting Act requires them to block any information resulting from identity theft in four business days. This is the fourth business day. This is not a dispute so it should not take 30 days. I still have not heard anything back from the company and it is still showing up on my Experian account. I need this inaccurate information blocked as it is required by law.

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 08-10-2015 about Credit reporting () with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: When my son moved out, the post office also forwarded mail in my maiden name and reported his apartment address ( XXXX ) on my credit report, but I never lived there and still live/own my house on XXXX XXXX XXXX Attached are current utility bills.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Please be aware that my name is XXXX. On XX/XX/XXXX, I received a letter in the mail titled by the company name Alliance One, Receivable Management XXXX. which is a debt collector agency. I called them up and come to find out they were trying to collect on a Debt that was transferred from XXXX even though I was already addressed that the debt was time-barred and had reached it statute of limitations dead line as of XX/XX/XXXX this debt happen to be the debt that was allegedly owed to XXXX Court of XXXX. Please note it is illegal for anyone to try and collect on this debt since it is time barred. The customer service representative of Alliance One told me that it was a "Fresh Debt" which is not true. I believe XXXX is in violation and may have purposefully tried to reset the time on this debt which is also ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX. Please make sure my name isnt an error because I noticed that and all accounts listed below in the attachment are RE : Remaining items To whom it may concern : XX/XX/2017 This letter is being written to dispute the above account which i have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency on several occasions as well and they have yet to respond to my dispute. Therefore your company could not reach them concerning this debt. The Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well verify its accuracy. If the account could not be verified, your company must delete & permanently remove the account from my credit report immediately. If you can not show proof that you can not verify this debt and you continue to list this item on my credit report i am prepared and will sue you under The Fair Credit Reporting Act. If you refuse to respond to this letter or theirs another verified letter sent out to me, your company will be prosecuted in a court room where you are will faces charges for violating The Fair Credit Act, FACTA, and falsely using my identity to defraud my name without my consent placing errors on my credit file. I am allowing 48 hrs turnaround after receiving this message. This is not an attempt to collect a debt nor a threat. The inaccurate errors is listed in an attachment. Please continue below to see the inaccurate accounts that remained on my credit file. I dont have a vehicle and I dont own one so why are these accounts and inquiries appearing on my credit file as if I have a vehicle? I am unaware about any vehicle. All inquiries or accounts pertaining to vehicle must immediately be removed by law because it doesnt belong to me at all. Sincerely 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 05/26/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Creditor ( XXXX XXXX ) was disputed two weeks and dispute was completed and report updated as of XXXX/XXXX/16. I was also advised by equifax management on XXXX/XXXX/16 that this information would be show in the correct status, and on XXXX/XXXX/2016 the information was not corrected to show included in chXXXX bk status and listed with other closed accounts on my credit. 

I have attached the now credit report showing this matter in dispute, as this should not be in dispute, the dispute was completed on XXXX/XXXX/16, and then placed back in the same status of ''collection unpaid ''. I have also attached the new credit report status, and the phone conversation between myself and an equifax 's credit management assuring me that this information had been entered correctly along with other applicable debtors that were placed back into an incorrect status. The other attachment is my XXXX showing XXXX XXXX as a creditor that was discharged in the chXXXX bk as of XXXX/XXXX/16 ( discharge order attached )

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Other debt) with PINNACLE RECOVERY, INC. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX   XXXX     2017, I    made a settlement offer against my timeshare. Here is the email receipt that I received after the payment was made.     " This letter will confirm that  Pinnacle Recovery , Inc.  and  XXXX   XXXX   ,   XXXX .-   XXXX   XXXX   have accepted a payment of {$1600.00} on your outstanding balance of {$8900.00} on your contract # XXXX on  XXXX  -17. T his obligation will be considered a full compromised settlement to terminate all rights and interests in the contract originally signed.     You are not responsible for the additional contract balance or any outstanding fees regarding your maintenance fees '' Today,   XXXX   XXXX   , 2017,  I received a letter dated  X/XX/  2017 t hat stated I owed {$8700.00 } ( with  new late fees and collections costs assessed.     When I called the collection agency, I attempted to ask multiple times why this debt was not cleared. I could not even finish one sentence or question. The phone rep would not give me a straight answer. I was able to glean that there is a " Note '' on my account that it was paid directly to the collection agency, but no record that they have received anything back from the actual timeshare company. In her contradictory information, it appears they (  Pinnacle )  did not notify the timeshare company, even though I received this information above, that the account was paid. I would like the collection agency to take this payment and resolve immediately with the timeshare company as this was considered paid in full. Otherwise, it appears to me that this is simply grand larceny by the collection agency.

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 10/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Did not receive my welcome bonus even though I finish the purchasing requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (WI).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have had a checking account with chase bank for years. I 've always been told by their staff and even on recorded lines that if your account is overdrawn you have 24 hour of the transaction to bring the account back in good standing before you 're assessed an overdraft fee. I even have notifications provided by chase bank that notify me the account is overdrawn so that a deposit can be made. Recently, two automatic draft that are processed from my debit card were drafted and immediately assessed an overdraft fee. These two charges happened on the same day. I was never given the chance to cure my account. I 've now been told by their customer service department they do n't have the ability to override the system to reverse the fees because of a limit I 've exceeded. Where the fees were returned classified as a courtesy instead of rightfully as a " bank error ''. I 'm exhausted with the " run-around '' and newly found policies that chase bank all of sudden brings to light when I have something like this happen. I need help getting my account reconciled so that I can leave this financial institution and not have to pay the bank my weight in fees to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/17/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed these inquiries because I did not authorize them. I had them investigated by XXXX and equifax responded by saying they were factual. I would like to know how they found out that these were factual and how their investigation was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed several disputes with all three credit agencies between XXXX 2017 and XXXX 2017. Transunion is the only one still actively reporting that my account with XXXX XXXX XXXX is open and carrying {$2500.00} balance. I have called XXXX XXXX directly and they claim that they have reported my account closed with a XXXX  balance to all three agencies. When I spoke to a costumer service supervisor at Transunion on XXXX XXXX, 2017 he stated when they contacted XXXX XXXX XXXX XXXX on XXXX XXXX, 2017 they were told the account was open and over my {$2500.00} limit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I found XXXX addresses on my XXXX report where I 've never lived. I have had my XXXX / ATM card used fraduantly in the past. I got a new card back then, and did not think there were any further problems until today until I click on my credit information. I 'm not well versed in this. And will have to seek help to resolve this. As XXXX address is in a state I 've never even visited..

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Consumer Loan (Installment loan) with Specialized Loan Servicing LLC (WA).
Issue: Managing the loan or lease

Complaint: This was a HELOC ; I paid the final balance IN FULL, then am told I need to pay {$85.00} to " pay off '' the loan, including a " late fee '' of {$5.00} ( on an account with NO BALANCE, and interest of XXXX cents. A " statement fee '' of {$25.00} and a " recording fee '' of {$36.00} This loan was paid timely, in full and regularly ; however, it was SOLD to a third party, Specialized Loan Servicing XXXX., who seems is in the business of generating fees when they ca n't generate genuine late payments. The amounts are small, the principle is outrageous.

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 02/17/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I've had a XXXX XXXX XXXX credit card for several years. I made a purchase for {$23.00} on XX/XX/XXXX. In XX/XX/XXXX, I discovered I was a couple days late making my payment and called their customer service on XX/XX/XXXX. The representative said as a one-time courtesy, they would remove the late fee of {$23.00} plus {$1.00} interest from my account if I made my payment right away. I made my payment of {$23.00} on-line, and trusted that the issue was resolved that day. 

I routinely pay my credit card balance in full, and I received no correspondence ( mail, email, or phone ) about the late fee NOT being reversed as was promised. Because the representative had not reversed the fee, I discovered today ( XX/XX/XXXX ) that after I paid my balance, not only was the late fee/interest not reversed, but I was charged {$24.00} on XX/XX/XXXX plus interest and {$29.00} plus interest on XX/XX/XXXX. The total in late fees and interest is now a balance of {$81.00}, even after my balance of {$23.00} was fully paid on XX/XX/XXXX. This does not seem fair or accurate to me, as the customer. 

I believe the company allowed these late fees and interest rates to compound, without contacting me by phone or email, as it is to their advantage to charge the customer more. This is completely unethical. I have had a consistently high credit rating, and trusted that this issue would be resolved by calling XXXX XXXX today -- however, they wish for me to submit information to their billing dispute department to resolve this. 

The issue at the heart of this is that their representative didn't follow through with what she promised, and now I'm required to prove this. This should not be left to me as the consumer to correct -- the company needs to take responsibility for this failure of follow-through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/18/2016 about Debt collection (Payday loan) with First Recovery Solutions, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: First Recovery ( XXXX ) has been harassing me and my family, friends and calling me at work for a payday loan from 2012 ( file # XXXX ). 
This debt never happened that I recall.

Company response to consumer: Untimely response
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BAYVIEW LOAN SERVICING, LLC (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had an open mortgage loan with XXXX XXXX XXXX XXXX Acct # XXXX reporting date XX/XX/XXXX and an open date XX/XX/XXXX. Bayview Loan Servicing is reporting that I had a loan with them open date XX/XX/XXXX. ( Fair Credit Reporting Act Violation ) How can I have two separate mortgages open around the same time in two different States? 

I never had a mortgage with BAYVIEW LOAN SERVICING at no time in my entire life. I have enclosed my supporting documents to affirm the claim that Bayview Loan Servicing repeatedly violated the Fair Credit Reporting Act as the Federal Fair Credit Billing Act. Bayview Loan Servicing is also have been and currently involved in various Federal lawsuits for violating The Fair Debt Practices Act ( SECTION 1692/UNFAIR PRACTICES ). 

I am a victim of their unlawful credit reporting and I humbly request the set mentioned account be permanently be removed from my credit report within 24 to 48 hours. I have included in a appendixes A, B, C, D AND E documents to solidify that the set forth credit Bayview Loan Servicing account should be removed from my XXXX credit report. 

I have always maintained an excellent credit rating and this incorrect account is hurting my credibility and demanding mu character.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Counsel, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX of XXXX and XXXX billed me for a repair that is covered under first year warranty and refused to repair damage to my ceiling caused by this malfunction. I have done my best to work with XXXX to no avail. The owner of the company, who was more than happy to spend time with me during the purchase, now refuses to speak to me in person, on the phone, or by email. Without any notice, they turned it over to a debit collector called Credit Counsel, Inc I have sent Credit Counsel , Inc. certified mail within 30 days of there notice to me stating that I am disputing this invoice and to not contact me again. Credit Counsel, Inc. have called me twice since signing for the the certified mail and have be dishonest about receiving my certified mail.

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 04/15/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (DC).
Issue: Taking out the loan or lease

Complaint: I am an affected consumer who received an auto loan with an extremely high annual interest rate of 19.5 % from American Honda Finance Corporation in XXXX XXXX. I have reason to believe that this interest rate was assigned to me solely on the basis of my race ( XXXX ) and income level ( less than XXXX annual ). 

During my initial consultation with AHFC, I disclosed to the AHFC administrator my financial and living status which would hinder me from affording a large down payment for a vehicle aside from the value of my trade in. Because this would be my first time financing a vehicle and because I desperately needed reliable transportation to and from work and school, I foolishly informed the AHFC administrator that I was unaware of my options and next steps. The AHFC administrator then pressured me, quite aggressively, into trading in my old vehicle and accepting a 19.5 % annual interest rate and a $ XXXX monthly payment on the same day as my initial consultation. I even asked for a day or two to consider this offer before signing but the AHFC administrator assured me that he was " doing me a favor '' and that this offer would n't be available to me at a later date. 

As a result of such aggressive, inconsiderate, and discriminatory practices by AHFC, I have faced a considerable amount of financial hardships following this loan agreement including, but not limited to, falling behind 30-60 days on payments, getting denied credit due to negative marks from AHFC on my credit report, and being evicted from my primary residence only days after having my vehicle repossessed by AHFC. The vehicle issued by the loan in question was repossessed from my residence in XXXX XXXX by a third party debt collection agency. I received no notice from AHFC prior to or after the repossession. AHFC continues to submit negative remarks to my credit reports monthly in XXXX even though I no longer have the vehicle and have not received any notifications or information from AHFC since prior to the repossession.

Company response to consumer: Closed with explanation