milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: THE BANK OF AMERICA SENT ME A BALANCE TRANSFER OFFER FOR INTEREST FREE AFTER A % FOR TRANSFER. THEN WOULD GO TO XXXX. THEY NOW ARE SAYING THAT THEY ARE CHARGING ME XXXX WHEN OFFER RUNS OUT ON XXXX/XXXX/2018 THEIR REASON THEY SAY IS BECAUSE IT WAS ROUTED TO MY ACCOUNT. THE ACCOUNT HAD A OVER DRAFT BALANCE OF AROUND 46,000.00 BALANCE .SO OTHER WORDS IF THEY SENT A CHECK LIKE THEY HAVE DONE PRIOR IT WOULD HAVE STAYED AT XXXX. BUT BECAUSE THEY USED A ROUTING NUMBER TO SEND THE MONEY IT DOES NOT. SURLY I WOULD NOT HAVE DONE IT IF THEY HAD TOLD ME THAT .I WOULD OF JUST HAD THEM SEND THE CHECK.

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 10-06-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have called in to experian multiple times trying to get in touch with a special handeling agent. multiple times i was told that they were unable and/ or simply refused to transfer me. I found XXXX companies that had done hard inquiries into my account without my permission and wanted to report this. after multiple calls and multiple agents being belligerent, i finally was transfered and was told that there was XXXX accounts ( total of XXXX inquiries that would be removed and a temp credit lock would be placed on my account so i can investigate further. The accounts were not removed, nor was the lock placed on my account ( now putting experian at risk should anything else come up. ) I also sent letters to the XXXX companies that had performed the inquiries illegally and asked for validation as to these being legitimate. none of the XXXX had gotten back to me in the 30 days 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 explanation
Consumer complaint received 02-03-2017 about Debt collection (Medical) with KeyBridge Medical Revenue Management (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: COMPLAINT Now comes, XXXX in consumer capacity filing a complaint against debt collection agency Keybridge, an XXXX agency licensed to collect debts in the state of OHIO ; In XX/XX/XXXX, I checked my credit report and discovered Keybridge 's tradename on my credit file as a closed account and disputed the account with all three credit bureaus ; On XX/XX/XXXX I received my credit report update from initial dispute, and XXXX was deleted from XXXX file but updated by XXXX and XXXX as a verified account ; Keybridge placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Keybridge and XXXX ; I have never received any validation letter from Keybridge prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly verifying the debt as valid to XXXX and XXXX ; This conduct is a direct violation of XXXX Validation of debts ; ORC XXXX, and XXXX Case No. XXXX ( XXXX. Ohio XX/XX/XXXX ) This conduct is a direct violation of XXXX false and misleading representation ; XXXX ; XXXX, XXXX, ( XXXX ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with XXXX XXXX Ohio Statutes of Frauds ; XXXX, XXXX ; This Conduct violates XXXX disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XX/XX/XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of Keybridge 's actions, and If their tradename is not deleted off my credit file ; I will filing civilly seeking punitive damages in accordance with United States Court of Appeals, XXXX Circuit, Case No. XXXX, XXXX, XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (CT).
Issue: Other

Complaint: REf # XXXX Portfolio Recovery. 
The creditor filed an illegal law suit against me and was issued a judgment based on fraudulent information. The creditor had/has no proof that they even own the debt in question. Further the affidavit confirming the amount of the debt owed was " robo-signed '' fraudulently and the actual amount of the debt was never actually verified as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This company continues to report incorrect data. I continue to fight with them on removing this debt. I located a screen print of data that shows the re-aged the first delinquency of this debt. XXXX has not been in business since XX/XX/XXXX. I called XXXX XXXX, who I have current debt with, state they no longer show this debt as it has been closed for 7 years. This company is attempting to pass this on as new debt. It is not, which is a violation of the FCRA. In additional Texas Finance code ( Texas Finance Code Section 392.202 ) states it goes by the date of first delinquency.
The company has yet to provide me a copy of the surety bond, which is required to collect in the state of Texas per the Finance code. Texas Surety bond information as required by Sec. 392.101. This company continues to just close my complaints with some bogus generic response.
I pray you force this company to provide a copy of the surety bond and the initial records of my last payment to XXXX, which will prove they re-aged this loan and violated the FCRA reporting requirements. I want all my billing statements from XXXX to reflect this is not new debt and this company violated my rights under FCRA. I expect to receive these statements from date of origination to date to XX/XX/XXXX. I also want a copy of the welcome letter and the purchasing agreement and records reflecting the last payment of this debt and the amount this company paid for the debt. I demand all of this within 15 days of submitting this request.
I will continue to open a complaint until I get the information I am requesting and this is removed from my credit report. This company has yet to provide the requested documents. They are ignoring my requests completely.
This debt was not opened in XX/XX/XXXXor XX/XX/XXXX. And XXXX XXXX who took over XXXX verified this information. I give the CFPB permission to call XXXX XXXX to verify this information and verify this company is reporting wrong information and refuses to remove it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: my problem is with chrysler capital. The day XXXX XXXX, my car XXXX XXXX and was a total loss. the manufacturer does not want to pay and this in court by the Lemon Law. I kept making payments for automatic debits chrysler capital. and they reported that I am 60 days of nonpayment, and my credit under XXXX points which is very bad. I took 3 months in this situation and they just say sorry and I will fix it. THANK YOU VERY MUCH FOR YOUR HELP

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Debt collection (Payday loan debt) with Precise Financial Group, LLC (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On credit report date of collection couldnt possibly me this is not my acct. and it has been verified if so these dates cant be right

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: my daughter received a pre-approved credit card offer 24.65 % interest {$35.00} late fees {$75.00} menbership fee really? {$19.00} user participation fee really? apr will never be greater than 29.90 % ( that is disgusting ) she is a college student and has no income ... no wonder these kids are so in debt you are aggressively predatory ... disgusting ..take her off your list and do n't tell me you do n't tell me you do n't have the correct information to do so ..so have enough information to prey on her so you have enough to take her off you list and do not tell me you are giving her an opportunity to establish credit because that is deceptive and disgusting

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed the dispute on  XXXX / XXXX / XXXX  with Equifax and against   XXXX   XXXX   XXXX   The  XXXX  accounts were closed and derogatory when I filed for my car loan on  XXXX / XXXX / XXXX . The loan  officer  told me to dispute them. I filed a dispute and they immediately opened the  two  accounts showing a balance that reflects 97 % credit card debt and non payments. Thes e two accounts were discharged i n bankruptcy in  XXXX . They should show included in bankruptcy with no balance and should not be reflected in my current credit or credit score. This is so unfair and against the law. So no I would have to wait 30 days and my creditors think I 'm a deadbeat.   This is what I faxed  Equifax- RE  : Dispute -Please see the attached paperwork. You are not reporting the two   XXXX    accounts correctly. They were included in my bankruptcy in  XXXX  and they were discharged on  XXXX / XXXX / XXXX . I sent you this proof on other occasions with other accounts when trying to purchase my house and filed disputes.   I applied for a car loan with RCB bank on  XXXX / XXXX / XXXX . My interest rate was based on my credit score. On  XXXX  I accessed my credit and the loan officer showed me where you were reporting the following  XXXX  target counts as delinquent and closed. This is wrong, and incorrect reporting is against  Federal Law.  On  XXXX / XXXX / XXXX , I filed a dispute online with Equifax stating these accounts were  discharged  and stating they need removed or show  XXXX  balance and included in bankruptcy. On  XXXX  in the evening hours, after filing this dispute, my credit score went down by  XXXX  and reflected this debt as credit card debt with balances of  XXXX  and  XXXX .   Please correct this now or I will file a complaint with the Consumer Financial Protection Bureau. I am protected by the Fair Credit Reporting Act. It is agains t Federal law and you have cost me money. I am required to give you a chance to fix this before I file the Federal  complaint and get an Attorney.   I would like a response asap and for you to take immediate action to rectify this situation. I am paying 11 % interest on a used car loan due to your incompetency.   Please notify   XXXX   XXXX   XXXX   they are not reporting correctly and to cease these unfair credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2017 about Debt collection (Other debt) with Navient Solutions, LLC. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX, I received a letter from XXXX XXXX XXXX. This letter stated I had a debt owed to City of XXXX, and that this bureau will now be attempting to collect this debt. The debt owed was for traffic citations issued by city of XXXX in XXXX XXXX. 

I 'm not a resident of XXXX nor have I visited XXXX. I check the city 's website to obtain further info on citations. The person listed on these tickets had same name as I do, so I thought this could just be some mix up. 

I tried contacting XXXX XXXX XXXX to resolve this situation. Unfortunately every time I called the numbers provided on letter I received, there was no answer. An automated voice would play and said to " Leave a message ''. I was very skeptical of this since every time I called these numbers, there was no answer, and there was n't any info given before leaving the message. I just want to make sure I 'm calling the right company, and that this is n't some kind of a scam. I did call during business hours that were listed on letter, but it went to voicemail every time. 

The letter stated if I do n't take any action, that I could be arrested. This letter I received has made me quite upset. I understand someone owes this debt, but its quite frustrating when I received this letter in error, and I ca n't even contact this company to resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Other

Complaint: Capital One has refused to update my credit report by removing the " In-Dispute by Consumer '' or " Account Disputed by Consumer '' and it is delaying the purchase of my new mortgage. I have EXCELLENT credit scores averaging XXXX across the board, with NO derogatories, and this In Dispute status is costing me from being processed. I spoke with XXXX different people at Capital One credit card in the past 2 weeks and each person said that they would send something forward to remove the status and there is no change. I understand that pursuant to the The Fair Credit Billing Act requires that you list correct statuses of my accounts on ALL XXXX major bureaus, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner. 
The account in question : CAPITAL ONE BANK USA, or CAP ONE Acct # : XXXX. There is nothing to dispute since there is no negative history, no incorrect balances, and the items are reporting positively. This is just laziness. For that reason, Capital One must forward a notarized statement on your letterhead which will attest to your compliance to the FCBA and FCRA generally and to my account specifically throughout the period I have been a customer. Otherwise, delete the negative marks you have reported to ALL XXXX consumer reporting agencies within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My home loan was sold from one mortgage company to another. the first mortgage company was XXXX. The loan was then sold to Seneca mortgage. Upon taking over my mortgage Seneca forced me to increase my loan payment to cover what they thought was a shortage in my escrow account for taxes. The taxes had been paid at closing of the original loan. I contacted Seneca and attempted to explain this to them, including sending them documentation of checks cashed by and closing statements proving the funds had been paid. Seneca still required monthly over payments from me. After calling them on three different occasions they finally told me an escrow analysis would be done. This they said would correct any problems. On XXXX XXXX they cut me a check for the overages I had been paying. Then on XXXX XXXX they sent me a letter stating they made a mistake and I should return the monies. I 've been hung up on three times trying to correct this issue. I 've been left on hold for over an hour. And had my call dropped they did n't want to address the issue. Seneca has some major customer service issues.

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 09/26/2016 about Debt collection (Medical) with Harvard Collections, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company is sending me notices on a debt I do not owe. I requested validation and received which clearly states I do not owe. Please see attached. I would like them to cease all collections and remove this remark

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Consumer Loan (Installment loan) with PNC Bank N.A. (GA).
Issue: Managing the loan or lease

Complaint: PNC Bank said on XXXX, XXXX that I was eligible for an extension since I was never late making payments on the loan. I would not be able to work for 2 months beginning XXXX, XXXX due to major XXXX procedure. Without my knowledge I had received a letter dated XXXX XXXX that I was not approved because of a resolution not put in by the agent. I was told by XXXX in XXXX 2016 that I can email directly to expedite my re-request which they 're now denying ever happened for which I can prove. They 're charging me {$1000.00}, saying I 'm behind when I only skipped XXXX payment in hospital unaware of " non-approval ''. They reported me to the Credit Bureau and my score is now ruined. I spoke with XXXX manager XXXX. He said he tried but top people will not honor the agreement and are rushing me to sign another extension agreement in less than a week to rectify some charges but say that they are not willing to help me to get my negative credit report dissolved. He admits that it 's poor communication on their part with me, the consumer having to make all the effort while at the same time trying to recover from major XXXX and medicine.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (FHA mortgage) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: We paid our mortgage ahead of time to the amount of five months through XXXX of 2016. In XXXX of 2016, we got a court notice from the mortgagor stating that we were late in XXXX payments. What happened is that the mortgagor took money from the prepaid amount and paid on the principal without my knowledge. When we needed money for another pressing problem at the end of XXXX, I did not send any money to the mortgagor in XXXX and XXXX because it was prepaid. In XXXX I received notice to go to court for possible foreclosure. We want the mortgagor to reverse the payments to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage Servicer : PennyMacUSAXX/XX/2015 ( approximately ) : I called PennyMac to check if I had met the criteria for removal of PMI from my loan. 
XXXX/XXXX/2015 : I sent a note via servicer 's internal messaging service on their website inquiring about the status of the request. 
XXXX/XXXX/2015 : Service responded to message stating I should allow up to 7 business days from the original request. 
XXXX/XXXX/2015 ( approx. ) : I called PennyMac to check on the status. I was told to allow up to 10 business days. 
XXXX/XXXX/2015 : I sent another message via PennyMac 's messaging system requesting a resolution to my request. 
XXXX/XXXX/2015 : PennyMac sent message stating I should allow an additional 7 days to receive a response. 

It has now been over XXXX weeks for a request that according to their policy should have taken 7 business days.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been charged  with  XXXX  charge offs by   XXXX   XXXX   Credit cards for cards that were corporate cards. I attempted to work out terms with   XXXX   but they would not discuss any arrangements when the cards were first reported as in default in   XX/XX/XXXX . In  XX/XX/XXXX  Chase issued  XXXX  tax forms for the amounts of the   XXXX   cards and charged them off against my credit r eport. I paid the tax bill and was told that the charge off would not remain on my credit report after  XX/XX/XXXX , but it continues to be reported even to this day a year after the no notice  XXXX , and 8 years since the cards were reported in default.

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 09-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion has erroneously changed the status of my XXXX XXXX XXXX account to " late ''. This account was paid in full and my reports reflected as such. Upon a credit pull today, my report changed to " late '' thereby affecting my score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX Hospital is the original creditor. I went to XXXX XXXX Hospital and was told at check-in that only a co-pay would be charged to me for any services rendered. I was admitted and discharged an hour or so later. XXXX XXXX Hospital then submitted an egregious bill consisting of fraudulent charges. My insurance, XXXX of Illinois, paid much of this bill directly to XXXX XXXX Hospital. Then XXXX XXXX Hospital sent me a bill for an additional {$1500.00}. I promptly called the hospital to dispute both bills as fraudulent and requested a breakdown of services rendered and associated costs, and emphasized that I had not consented to receive any particular services and was never informed of any costs other than the co-pay which I had been assured by the hospital was all that would be charged to me. A breakdown of services rendered and costs was never sent to me. Instead, the account was immediately sent to a collection company. The account is now with Syndicated Office Systems, per my credit report. XXXX XXXX Hospital has been paid in full - and then some - by my insurance company, XXXX of Illinois. The additional amount of {$1500.00} being charged to me individually and attempted to be collected is fraudulent. I do not know if the error is one of duplication of charges, inclusion of charges for services not rendered, general over-billing, or some combination of billing errors. I request full review of services rendered and charges assessed, the failure of the hospital to obtain my consent to receive any particular services at an additional cost to me, and the legitimacy of the {$1500.00} bill being charged individually to me.

Company response to consumer: Closed with explanation