milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-08-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Delinquent account

Complaint: I 've had this Bank of America credit card since XXXX. This is the ONLY card that my wife and I have that does not have the ability to setup payments online to pay the minimum payment each month automatically. Instead, it requires that you declare a payment amount to make automatically each month. Since we did n't use this card often, years ago, I set it to pay {$50.00} per month believing that it would easily cover the minimum payment and then some if we did decide to use it. For literally years that assumption held true. This XXXX, purchases were made that resulted in the minimum payment being greater than the {$50.00} that was setup previously. As soon as I realized the problem, unfortunately in XXXX of XXXX, I payed the overdue balance, and contacted Bank of America to attempt to have my credit report corrected based on several limitations on their part : First, we NEVER received supplementary contact to indicate a problem. It is true that I did sign up of paperless statements in XXXX, and I routinely do not check those statements because I rarely use the card. If there were a problem, I had expected Bank of America, like ALL of my other creditors do, to attempt to contact me to indicate such. NO phone calls or letters were received to indicate a problem with the account. 
Second, this is the ONLY account that we have that does not have an option to pay the minimum payment each month on their online bill payment system. Coupled with a lack of communication from the Bank, it would seem to me that this situation was engineered to make money for the Bank through the generation of late payment and over limit fees. 
I submitted requests to Bank of America several weeks ago to make the requested adjustments to my credit report given my exemplary history with them spanning a decade, the above described limitations, and my immediate payment to bring the account current on the day that the problem was finally brought to my attention. When I called today to follow up on the issue, I was notified that my request was denied. I asked them to reconsider my request, and to escalate my request beyond the department that had made the decision to deny my request and was told that was not possible. At that point I cancelled my account with Bank of America and notified them at the same time that I would be making a formal complaint with the appropriate consumer protection agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2015 about Debt collection (Federal student loan) with CITIBANK, N.A. ().
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I am being garnished through my wages at this time without being notified by the Collection Agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Trouble during payment process

Complaint: I have a mortgage account with XXXX XXXX. On the most recent statement, they have added a {$25.00} charge under " Other Fees '', with no explanation whatsoever, and no reason I can fathom as to why it would be legitimate. It does not appear on their online statement. 

I have automatic payment enabled, and I 'm assuming that they 're hoping I would not notice, and they can just scam me for extra money. I plan to call their customer service, but given their previous billing issues and resolution process XXXX which, as with most companies, they make as cumbersome as possible, and requires long hold times and complaint elevation ), I do n't know how long that will take.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (MO).
Issue: Managing, opening, or closing account

Complaint: I am a customer of rush card. I am unable to accessy money. They are not answering the phone. My direct deposit is not there and I need answers as my payroll check is deposited there and it is not allowing me to access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Mortgage (Conventional home mortgage) with LAKEVIEW LOAN SERVICING, LLC (NJ).
Issue: Trouble during payment process

Complaint: XXXX 2016 my wife was mobilized from XXXX status to XXXX then XXXX overseas. 
We filed the appropriate paperwork with XXXX to invoke the Servicemen 's Civil Relief Act ( SCRA ) for this loan. The mortgage payment prior to SCRA was : - ( P & I ) = {$770.00} - Escrow = {$260.00} -  TOTAL = {$1000.00} After SCRA was invoked the payment was : - ( P & I ) = {$770.00} XXXX Escrow = {$240.00} - Buy down ( SCRA ) = XXXX - TOTAL = {$900.00} XXXX incorrectly lowered the Escrow payment and, in violation of Federal law, kept the amount of interest paid to the bank at the 7.78 % rate. 
The lowering of the Escrow payment has now caused a huge Escrow shortage. 
XXXX, a manager at XXXX, has documented my grievance. I believe this is not the only SCRA loan that has been incorrectly modified to collect funds boosting the banks profits and harming the service member.

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 05-10-2017 about Debt collection (Medical debt) with VALLEY CREDIT SERVICES, INC. (WI) (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a notice that an item was placed on my credit report by Valley Credit Services.
I am working with the hospital to solve this complaint and I do not give Valley Credit Services permission to access my medical records as this is a violation HIPAA Laws.
I am also filing a complaint against   XXXX   XXXX   and Valley Credit Services. My insurance should have paid everything.

Company response to consumer: Untimely response
Consumer complaint received 11-05-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am a co-signer on XXXX of my daughter 's private student loans with Navient. XX/XX/2015 I realized that my daughter 's loans were six payments late. I made a good faith effort to bring them up to date by making a payment of XXXX. 
I spoke with Navient specifically about my co-signed loans only, and not the ones my daughter and her mother had signed separately. On each call Navient kept pushing and referring to my daughter 's total loans and not my specific loan payments. 
On XXXX/XXXX/15 I Spoke Navient to reduce my payments of XXXX per month. I gave Navient my debt to income information along with my own Federal student loan debt and my need to pay medical bills for XXXX XXXX. 
On XXXX/XXXX/15 I was told my payments could be reduced to XXXX per month and then a few minutes later I was told that my daughter entered into a loan reduction program that she canceled an due to that cancellation I would not be able to reduce my payments. This is not a miscommunication it 's something else, the loans that I co-signed on were never a part of a loan reduction program established by my daughter or myself. 
On XXXX/XXXX/15 I was told by Navient that there is no way possible that I can reduce my co-signed loans, and also that in order to be removed from the loan as a co-signer that I would have to sign a co-signer waiver and pay a onetime fee of XXXX dollars in one payment to be removed as a co-signer this is not a miscommunication, if all phone calls to Navient are recorded then this would be easy to prove along with Navient 's web site that states that after 12 of on time payments a co-signer can be removed as a co-signer. 
For most of the time these loans existed I was XXXX Military XXXX, I was retired medically with XXXX and at no time was I given an opportunity to reduce payments due hardship or any other reason. If this is n't predatory lending than nothing is. Whether Military, XXXX or Just a U.S. Citizen no one should be treated in this manner. I wish I had enough money for an Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX IS SHOWING UP AS A CHARGE OFF AND A JUDGEMENT WITH BALANCES UNDER BOTH EVEN THOUGH IT WAS PAID VIA A GARNESHMENT ON MY HUSBANDS PAYCHECK XX/XX/XXXX. I CALLED TRANSUNION AND WAS TOLD THE CHARGE OFF WAS GOING TO BE REMOVED XX/XX/XXXX AND NOW THEY WONT RESPOND TO MY INQUIRIES.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to my requests to investigate, verify and remove some accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I changed my service from XXXX to another carrier on XXXX/XXXX/XXXX. XXXX XXXX XXXX was the provider for internet through XXXX. I cancelled my services and they sent me a box to ship their equipment back to XXXX which is what I did. Later, since I had overpaid, they sent me a check to refund my account in the amount of {$34.00}. On XXXX/XXXX/XXXX I received a bill stating that I owed {$160.00} from Diversified Consultants, Inc. ( a collection company ). I called them and they stated that I still owed to XXXX XXXX XXXX. I disputed that claim and they said I have to call XXXX XXXX XXXX to have it removed. I called XXXX XXXX XXXX and they said I did not send back a modem so I was being charged. I disputed this with them saying I sent everything back to XXXX, gave them a tracking number and did not owe this amount. I spoke with several people at XXXX XXXX XXXX and finally, at a later date, I received a call from a representative named " XXXX '' on XXXX/XXXX/XXXX and she stated that I would receive a revised bill with a XXXX balance in about XXXX business days and they will contact the collections agency to state I have a XXXX balance. I assumed everything was taken care of until I applied for a loan for a car and discovered the collection account charged against me. I called the collection agency again and they stated I need to call XXXX XXXX XXXX which I did on XXXX/XXXX/XXXX. I spoke with XXXX and she said my account had been closed so there were no notes. I told her they needed to call the collection agency and have it removed but she said since the account was closed there was nothing they could do. I then asked to speak with a supervisor and was sent to a voice mail for " XXXX ''. I never was contacted and despite my following attempts to reach him, I never received a call back. I am tired of dealing with this poor customer service and am requesting an intervention from your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/2018 XXXX fraudulently posted incorrect credit reporting to all 3 major credit bureaus stating my XX/XX/2018 payment was late causing my credit score to drop 83 points! I have contacted XXXX ovet 20 times and they have assured me this issue has been resolved which it has not been. I have never been late on my mortgage payments. this is an error on their part which has caused a huge negative impact on my credit.

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 09-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I terminated my service with XXXX in XXXX 2015 due to dissatisfaction with their billing. They sold me a digital receiver and offered a refund when the analog receiver being replaced was returned. Never received the box to return the old receiver, and when called, they denied agreeing to the refund. I had verbally agreed to extend my contract for two years. So I cancelled my service. I got a " termination fee '' bill of {$380.00}. I was aware of XXXX Revised Statute 44-101 ( 5 ) which states that a verbal agreement not to be performed within one year is unenforceable. Since I never signed the agreement, I wrote to XXXX on XXXX XXXX, 2015 advising them of the statute and the unenforceability. Then I began receiving robo-calls from Focus Receivable Management in XXXX ( XXXX ) asking me to call them. I did receive three calls from employees, and I refused to discuss my personal business with an unknown party. I told them I would respond to a written letter, but not to a phone call. I have yet to receive a phone call, and I only guess the location of the company based on a XXXX search. I realize under federal law ( Fair Debt Collection Practices Act ) I can only stop the phone calls by written notice, but I have no location info to send such a letter. Please help me stop this harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (PA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I was purchasing a {$3500.00} television at Best Buy store and was told I could get 10 % back in store rewards if I signed up for the Best Buy Credit Card with Citi Bank. I filled out the application including yearly income over {$200000.00} and no mortgage debt. I always pay of my XXXX XXXX   bill to avoid interest. The Citibank Rep denied offering me the Best Buy card ( thus no rebate ) instead wanted me to get a gold card with yearly charge of {$59.00}. I did not accept the offer and did not purchase the tv. A return call to the bank confirmed the denial was based on incomplete credit history! The Best Buy brochure code is XXXX and late fees of {$38.00} and interest on carried bills of 26.49 % APR! I think that if I ran Citi Bank or Best Buy I would want many many customers like me.

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 08-03-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Syndicated Office Systems is attempting to collect a medical debt ( {$440.00} -   XXXX   2015 ) that is not mine and have failed to provide any legitimate documentation on the false debt. Not only is Syndicated Office Systems fraudulently attempting to collect an erroneous debt, but they have falsely reported this to all   XXXX   credit agencies causing a significant decrease in my overall credit score. This predatory collection agency has violated the Fair Debt Collection Practices Act on all levels and I would like this resolved ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient has taken unauthorized debits from my checking account XXXX during the month of XXXX, 2015. They took unauthorized debits once on or about XXXX XXXX, 2015 for {$110.00}, and most recently on XXXX XXXX, 2015 for {$390.00}. 
On or about XXXX XXXX, 2015, I discovered that Navient had automatically debited my XXXX checking account for {$110.00} for the student loan ending in XXXX. I had not authorized this transaction or set it up. My father makes an automatic payment for the loan ending in XXXX, and had given Navient HIS account information for the automatic payment. I had set up automatic payments for about {$390.00} for the rest of my private loans, and my payment was not scheduled to come out until XXXX XXXX. I called Navient to demand that my {$110.00} be credited back to my XXXX account, and that they take the payment from my father 's account instead. 
Navient incorrectly stated that I had enrolled all of my loans into auto-payment on XXXX XXXX in the amount of {$500.00}, and that they only had my XXXX information for the payments. That was false. I had only set up the {$390.00} payment recently, and my father set up the {$110.00} payment with his bank information. Ultimately, Navient agreed to do a direct refund to my XXXX checking account for the {$110.00}. They also agreed to cancel all auto-payments. My father was supposed to call back and set up his auto-payment for {$110.00} at a later date in XXXX, and I was going to call back and set up my auto-payment for the {$390.00} at a later date in XXXX. I was supposed to have my refund of {$110.00} by XXXX XXXX at the latest. 
My father called Navient back between XXXX XXXX and XXXX XXXX to re-establish his auto-payment for {$110.00}. His next payment is due XXXX XXXX, 2015. I had not called back to re-establish my auto-payment for {$390.00} as of XXXX XXXX, 2015. 
On XXXX XXXX, 2015, I logged into my XXXX checking account again to check my balance. I was alarmed to see that Navient had again taken an unauthorized automatic payment from my checking account! I had not called back to re-establish my auto-payment, but Navient had debited {$390.00} from my checking account. It was taken in XXXX unauthorized transactions ( {$120.00} ; {$100.00} ; {$71.00} ; {$93.00} ). This is especially egregious that Navient took these unauthorized payments despite agreeing on XXXX XXXX, 2015 that it would cancel all auto-payments and to wait until we called back to re-establish them. 
I am going to call Navient now to demand a direct refund. My funds are rather limited at this time, and I am unable to allow Navient to invade my checking account and debit funds at will without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Debt collection (Medical) with Palm Beach Credit Adjustors, Inc (CO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: On a letter dated XX/XX/XXXX I was contacted by Focus Financial Services for a bogus medical debt by a doctor that I had seen and paid in full at the time of service. On XX/XX/XXXX, I responded to Focus Financial Services by divulging that the debt was bogus and erroneous and asked them proof of its validity. I sent Focus Financial Services my letter via fax and certified which I received confirmation receipts from Focus Financial Services on. I never received any further communication from Focus Financial on my request for documents or anything else after I sent them my letter. 

Today I was informed that Focus Financial Services reported the bogus debt under my credit profile to all three major credit agencies XXXX on XX/XX/XXXX which has now greatly affected my personal and professional perfect credit profile and caused me great emotional distress. 

By doing so Focus Financial Services has failed to take the required legal steps to investigate the integrity of this debt which I am disputing under the Fair Credit Reporting Act and broke the law by reporting this bogus collection under my credit profile 10 months after the fact without contacting me and follow the proper procedures prior to doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit card () with U.S. BANCORP (WI).
Issue: Other

Complaint: I had a credit card account with my credit union ( XXXX XXXX XXXX XXXX ) opened in XXXX which they transferred to another lender as of XX/XX/XXXX ( Elan Financial - Cardmember Services ) .Elan Financial Card services is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the end of XX/XX/XXXX. I have disputed with all XXXX bureaus and repeatedly disputed directly with Elan Financial - Cardmember Services. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on XXXX, XXXX, and XXXX. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. I am including the statements, correspondence, and other supporting documentation showing original delinquency XXXX from the original creditor ( statements ). 

I was told by a call center advisor atr cfpb that I had to create separate complaints for each bureau the information is being reported to incorrectly and XXXX for the financial company so this complaint is a direct complaint against Elan Financial - Cardmember Services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief