milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The addresses is reporting incorrectly on my report.I have no knowledge of any of the addresses other than my current residence.89 XXXX XXXX XXXX ct XXXX this has been my address for 10 years.

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 03-10-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Unsolicited issuance of credit card

Complaint: On XXXX/XXXX/16, I called bank of America to change my platinum plus rewards card to a travel rewards card. The rep that I spoke with said that I had to open a travel rewards card and transfer the credit line from the old account to the travel rewards account once I got the card. The rep explained to me that the bank viewed my account as a whole credit line and not as separate accounts. The rep said that when I got the travel rewards card that my account credit line would be slightly reduced by the amount of the credit line that they gave me on the new card. but, he stated that once I received my new card, I could call in and have the entire credit line moved from the old account to the new account and I could close my old account. 

On XX/XX/XXXX I received my new card and proceeded to call Bank of America to transfer my credit line but was told by the rep that I was unable to do that and that I could only do it once my balance was paid off or paid down enough to transfer the amount due. I told the rep that that was not what I was told when I opened the account. So I spoke with her manager, XXXX and she said that she could n't do it as well. But she did open a case XXXX and said that she escalated my problem and that they would investigate it and give me a reply by next week. I told her that I believed that her bank committed fraud by promising one thing and not delivering once I opened the new account. I told the manager I would file a complaint with the ftc.

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 01-04-2016 about Debt collection (Medical) with Prince Parker & Associates (NC).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was called in regards to a bill that was for services provided greater then a year prior. I had been in contact with the provider because I had only begun receiving the notification from the provider 2 months prior, it was apparently a communication issue with my insurance and the provider. The caller was very rude and curt with me, I was trying to get information from her so I knew how to further pursue appropriate actions. She ultimately told me that she would note on my account " refusal to pay '' and then abruptly hung up on me without me being able to say anything else. I called back and left a message asking for additional information and no one called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Vehicle loan or lease (Lease) with VW Credit (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: XXXX XXXX made several calls and sent two reminder letters for payment past due on my new vehicle. I sent proof of payments from XXXX XXXX as well a list of ( 24 ) payments made on the old vehicle returned on XXXX XXXX 2017. 

I am very worried about the lack of oversight in the account that can potentially damage my credit report. Two missing payments for a new car lease it will show very quickly in all three credit agencies as well as to lower my credit scores and increase interest rates on future loans. 

I would appreciate it to take action and protect the consumers from future negligent and unprofessional conduct of XXXX XXXX XXXX  XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Commonwealth Finance keeps trying to destroy my credit for items that were proven to have no longer been my responsibility. As proof, please see the attached documents from XXXX Collections Management Center that show I 've had these items removed from my credit report XXXX before Commonwealth Financial went in and changed the dates so as to fool the system and collect their fees above all else. The items were disputed, removed, then re-inserted without notification. They need to acknowledge these past deletions and leave a XXXX vet alone!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Checking or savings account (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On  XXXX   XXXX , 20017 I checked my acct and had  XXXX  in my acct. Checked my acct on  XXXX   XXXX  and seen that I had  XXXX  In over fees. I called the bank and talked with the manager she said that it was because of  XXXX  charged but when I look on my statment I had about  XXXX  after that came out. So than on  XXXX   XXXX  we went to the bank so they can show me why I went over. The assistant manager sat down with us looked at are statement and the statement she printed out and agreed that we should have never got the  XXXX  over fee. And that has caused a snowball affect. She said she would talk with the  manager  and get back to us on Monday. On Monday the assistant  manager  called and said it was because of a  XXXX  deposit that made us over. The manager called us back week of  XXXX   XXXX  and said it was a  XXXX  that caused the problem but yet it dose not show up on my statement nor t he one the acct manager printed out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/16/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from BSI Financial stating they were setting up an escrow account because they made a payment to the county tax office in error. I checked the county tax office and they do not show receipt of this payment. BSI states that I have a negative balance of XXXX in an escrow account. I pay my taxes directly, which is the way the mortgage was originally set up. BSI bought the mortgage from XXXX. My tax bill was paid on XXXX XXXX, 2015, by me, way before the due date. 
I have tried to contact BSI financial at XXXX, which is the number shown on the letter received. I called during the business hours listed on the letter. I can not reach a live person. 
I believe that BSI is fraudulently setting up an escrow account for money that is not owed to them by me. 
Since I can not resolve this by contacting them, I have decided to try this avenue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I called XXXX XXXX to dispute my debt and they informed me my account went delinquent on XX/XX/XXXX but my date opened on account says XX/XX/XXXX, ive informed them to validate the debt but they never changed open date which i felt like was re-aging. I never paid anything towards the bill because I was XXXX so their should have been no reset of time

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 07/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: From XX/XX/XXXX-XX/XX/XXXXI contacted Navient to inform them that the monthly payment was entirely to high for me to pay, each year they suggested that I apply for forbearance. After I exhausted the forberance, they told me to consolidate my loan in order to apply for forberance again. Now my student loans are enormously higher and I still ca n't pay anything but the interest so now I 'll be paying this loan for the next 50 years.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated calls up to XXXX each day. No messages are left

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (HI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I recently transferred my student loans from  XXXX  to  Fedloans, since I qualify for the federal student loan forgiveness program due to my military service. Two m onths went by with me calling both service providers to ask who I send payment to, and neither had any idea. On  XXXX   XXXX   2017 , I received a letter from  XXXX  statin g Fedloan would contact me about when it was time to submit payment. My credit score th en dropped over  XXXX  points. I received no notice, either via email, account inbox, phone call or regular mail. When my payment information populated on the  Fedloan website, I was able to make payment for the two months  missed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Good Afternoon, My name is XXXX XXXX, and there are XXXX hard inquiries on my Transunion credit file. The inquiries are XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. I have called these companies, and they have told me that they have anything in their systems says that I applied for their services. I 've called Transunion multiple times trying to get these inquiries removed. They told me to call the companies, but this has not helped. I would like all of the inquiries removed from my credit file within 5 business days of this complaint. My phone number is XXXX. My email address is XXXXXXXXXXXX

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 04/17/2015 about Debt collection (Payday loan) with National Credit Adjusters, LLC (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They claim to be National Credit Adjusters-Seeking money I borrowed from XXXX XXXX XXXX over a year ago. It was for around {$500.00}. The man named XXXX was very rude, telling me to go take a loan from a bank, asking me where I bank, if I care about my credit and kept asking many rude questions. I kept my cool and told him I would deal with Ace themselves. He continued to be very rude and degrading. I was willing to work out a payment plan but he kept insisting I go to a bank which I am not going to take out another loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX I had unsufficient funds to cover a check which resulted in an overdraft charge. I am on a fixed income and only get a pension check due to being retired. I was unable to pay the overdraft charge because of not having any funds to do so. After a certain number of days they started charging me a {$7.00} Continuous OD charge. At the present time my account is XXXX. On XXXX XXXX I went to PNC Bank and talked with a XXXX XXXX who told me that he would turn this over to their Acquisition Dept to see if he could get some of these fees waived. He gave me suggestions as to how I could free up some cash. One of the suggestions he made was to consolidate. 
On XXXX XXXX I received a call from the Acquisition Dept and I returned the call to them on XXXX XXXX. I talked to a man on the phone and I did n't get this gentleman 's name but he was very rude and degrading to me and just flat out told me that I could n't get any of these fees waived. On XXXX XXXX I talked online to a XXXX in PNC 's website and in Chat. I explained my situation to her and she claimed that she would try again to get these fees waived. She told me that they still would n't waive some or all of these fees.. On XXXX XXXX I applied for a consolidation loan and the loan was denied. I want to be able to pay these fees plus free up some cash for myself. The loan was denied. At the present I have XXXX XXXX working on trying to still get this loan approved but is not promising anything. 
My question is, How is a person supposed to make it being charged so much just because you are overdrawn on your account. If this total amount comes out of my checking account I will not have enough money to pay all of my bills and it will possibly result in another overdraft charge. I also have an insurance premium that comes out of my checking account on the XXXX of each month. They proceeded to still take this out of my checking account knowing that I had a negative balance and resulted in another overdraft charge. On XXXX XXXX they proceeded to try to pay this again still knowing that I had a negative balance and resulted in another " Retuned Fee '' Charge. What I would like to happen in this matter would be for them to waive some of the fees in this account. Even if they do waive the fees and I do or do not get this loan I intend to close my accounts at this bank and open another checking & savings account elsewhere. I 've only had my account at PNC Bank since XXXX 2014. I would n't recommend this bank to any of my friends or family to do business at for the way that I have been treated. 
XXXX XXXX has been very helpful but the other departments at this bank are terrible to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am filing this complaint due to no course of action being taken by the following XXXX, XXXX, and TransUnion. These accounts do not belong to me. These accounts are fraudulent. I have filed a complaint multiple times and have not been formally notified to a resolution to the accounts listed below. I am requesting that these accounts be removed from all three reports immediately. If these accounts are n't removed in a timely manor I will take further action against the credit reporting agencies. 

XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Closed Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$1200.00} Terms : High Balance : Limit : Past Due : Payment Status : Unpaid XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : {$340.00} Date Opened : XXXX/XXXX/XXXX Balance : {$8400.00} Terms : 64 Months High Balance : {$6900.00} Limit : Past Due : {$8000.00} {$8000.00} Payment Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : {$63.00} Date Opened : XXXX/XXXX/XXXX Balance : {$560.00} Terms : 9 Months High Balance : {$560.00} Limit : Past Due : {$700.00} Payment Status : Charge-off I also, noticed that the last payments have not been deleted on my student loans. I am also, going to file a formal complaint if this is not handled appropriately. 
XXXX XXXX XXXX OF XXXX, XXXX XXXX XXXX OF XXXX, and 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 08/19/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX Number Num : Balance {$590.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, SD pulled a credit inquiry on me that I did not authorize.

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I want all information regarding a b/k over XXXX yrs ago removed from my credit reports from all three reporting agency and to be advised when done!

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 05/13/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Constantly receive phone calls from mortgage lender Bank of America even when the payment is not due. Receive calls from them several times a day and on Sunday 's as well. We have spoken to several people from the mortgage lender and will then still get several calls later that day wanting to know when we are going to pay a payment that is not due. When we informed them that we have already spoken to someone they will not take that as an answer or resolution to the call. They are very aggressive, rude, and harassing in the manner in which they are trying to do business. We have had a home loan with the same mortgage lender for 15 years now and have always paid our payments in the same manner with no issues. We had one late payment and we worked with Bank of America to get that late payment paid however continued to get harassed by Bank of America. The harrassment continues to worsen as do the number of phone calls per day and we have advised them that we may have to contact an attorney if the harassment continues.

Company response to consumer: Closed with explanation