milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2015 about Credit reporting () with CORELOGIC INC (WA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: This complaint is in regards to an XXXX credit report. It involves a credit report inquiry on XXXX XXXX, 2014 in the name of CREDCO/CHASE ACCT RVW. I sent XXXX letters to Credco/CoreLogic asking why my credit was pulled and what XXXX XXXX XXXX Bank represented to them for permissible purpose to pull the credit report. I failed to receive a satisfactory answer and so I emailed Credco/CoreLogic. A representative by the name of XXXX, at XXXX called me. He explained that their relationship with XXXX is automated and they receive nothing in regards to why the report was pulled. I asked what XXXX represented to them that was permissible, and he said nothing, other than he could send me an explanation of what " represented '' actually means, as there are different areas that would cover. I told him that I sent a letter to the address provided by Credco/CoreLogic, for XXXX XXXX XXXX Bank, with an address in XXXX TX. My letter was returned " return to sender '' without explanation. He said it appeared there might be a suite # for the address, but that was cutoff based on what he was looking at in the system. He did give me a contact name of XXXX XXXX and phone # of XXXX. I called the phone # and it is no longer in service. I left a message for XXXX to please investigate further for accurate contact information. I have no clue why XXXX XXXX XXXX Bank would be conducting an account review in 2014. The system of pulling a person 's credit report in this situation, without any permissible criteria or accurate contact information is worrisome. Please investigate both Credco/Corelogic and XXXX XXXX XXXX Bank to get to the bottom of why they pulled my credit report. 

Thank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I keep losing all the information I put down so this is just me saying what happened. As of XXXX XXXX, XXXX on them before date of XXXX XXXX, XXXX I was placed in a mental health facility. The direction of the length of time being spent was n't given to me by overall stay there over three weeks and a half. During the time of my stay my personal checking and personal savings was liquidated far before I got out my credit cards are maxed and basically accounts were closed before I even got out. With that being said I got out of the facility and during the day and there was never informed that and then Vic should notice was placed on my door with notice to leave. With me being in the facility all my personal items were thrown away from my house or apartment XXXX XXXX Virginia XXXX, XXXX, CA XXXX. With all my valuables been thrown away materialistic items gone. There is also three of my vehicles that basically could n't be moved. They got labeled as a banded waist and put out have a XXXX for an impound. Now When leaving the facility in receiving this information that everything of mine was thrown away and cars and pounded basically I walked from my house to my personal bank Bank of America off of XXXX XXXX Less than a mile away not having any form of ID so security social card or birth certificate as well as EIN XXXX the personal banker that I had actually open my accounts up with that help me out to try to figure the situation he then presented to me that both of my accounts were liquidated around 9100 and  something dollars and then my credit was maxed out the total of 2700 and something I really do n't know what to say more I 've tried and continue to do so but the definition of insanity been to repeat the same process and expect a different outcome is starting to dwell on my shoulders thinking I might be insane.

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 06/24/2015 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OR).
Issue: Managing the loan or lease

Complaint: USAA through XXXX XXXX did not cover the replacement of shock absorbers on my XX/XX/XXXX XXXX XXXX. I purchased an extended waranty during the process of refinancing my vehicle. I believe USAA is guilty of deceptive advertising andam filing this complaint in an attempt to be made whole from this deception. On XX/XX/XXXX I obtained a loan from USAA for my vehicle. In those documents and during that transaction I reviewed the information on the web site for the extended vehicle protection plan ( " Plan '' ) and financed {$840.00} for that plan. I recently took my vehicle for servicing and it was determined to need new shocks. My understanding ( now ) of the suspension assembly is that in this vehicle the front uses XXXX Struts, while the rear uses shocks. The web site states the following : https : //www.usaa.com/inet/pages/extended_vehicle_protection_program_main_page? 
akredirect=trueWhat 's not covered? Extended Vehicle Protection may not cover repairs under thefollowing conditions : - If the repair is still covered by the manufacturer warranty or covered by a recall or special policy by the manufacturer. 
- For normal wear items such as brake pads, wiper blades, light bulbs and tires. 
- On vehicles with modifications not recommended by the manufacturer, i.e. useof oversized tires, header pipes or removal of any emission control system components. For moreinformation on what is not covered refer to the service agreement which XXXX XXXX mails to you when enrollment is complete. 

In addition under the section on details of what 's covered it states : https : //www.usaa.com/inet/pages/extended_vehicle_protection_program_details Upper and lower control arms and their shafts and bushings, ball joints, steering knuckles and spindles, stabilizer and strut or track bars and their bushings and links, coil springs, torsion bars and their mounts, leaf springs and their shackles and bushings, hub bearings and wheel bearings and XXXX struts . 

I believe if USAA does n't cover these shocks their advertising is deceptive because of the following : It is clearly stated what is not covered and " Shocks '' are not a consumable product and do n't fall into the categories above. 
- I only saw the web site and the loan documents before I signed the agreement for the loan and did not see this exclusion in the contract ( and still have n't actually as this contract is not in my USAA documents ). I never signed any contract. 
- Shocks are considered part of the suspension assembly and it states that thesuspension assembly is covered. After spending several hours talking to USAA and XXXX XXXX, I still have no resolution. The cost for these shocks is approximately {$430.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Consumer Loan (Personal line of credit) with Innovis (NC).
Issue: Shopping for a line of credit

Complaint: CBC Innovis/First direct Lending I have tried working with my creditor in regards to an Inquiry. I have disputed Inquiries twice with the bureaus and extended the process two times, 30 days each time. The bureaus have sent letters to me saying to dispute it with my creditor. I have not had any responses from the creditor. My creditor has not responded to my letters. Therefore, I have reached an impasse with the creditor and need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, 2014 I terminated service with XXXX XXXX in XXXX and moved to XXXX. I returned all the equipment that I had to XXXX. XXXX claims that I did not return XXXX cable cards that they said I had in my possession. In spite of several phone discussions with their representatives where they agreed that the issue was resolved. They continue to attempt collection. They have now reported me to the credit bureaus for non-payment. I have attached XXXX letters I have written which describes the issue in more detail.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received a notice informing me that I have a judgement against me for an account from 2001 I have done some research and discover that the statute of limitation to collect this debt has passed. 
The lawsuit was filed without my knowledge taking away my ability to respond to this complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Pinnacle Credit to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for a modification from HSBC because my rate is at 5 % and owe {$490000.00}. 
Unfortunately, the value of my property is {$350000.00} so I can not refinance. I am going through hardship because my income has been declined and my situation has changed. I now have childcare expenses. After 9 months of back and forth with HSBC through XXXX they asked me for the property back or short sale. My income is over {$100000.00} and they were not willing to work with me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: I filed a compliant XXXX XXXX pertaining to an account in question ending XXXX. I received a phone call tried to call back that customer service number and extension. I would appreciate to be contacted by phone and or mail, with Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I fill out an loan discharge form about not having my XXXX in 2003, they denied but it was for the wrong loan and I put the name of school and year on there. I do n't understand how they mess that up

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I sent XXXX a formal notice to cease a unauthorized hard inquiries into my credit report and, a formal demand that they immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have a illegal inquiries removed. I also made the aware that I did not sign any documents authorizing their organization to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b (  c ) : Transactions Not Initiated by Consumer. 

However, I ask them to forward documents that they believe authorizes XXXX to make inquires into my credit report, I respectfully request a copy of this documents be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests within 15 business days. Also I will forward a copy of this letter to the Creditor Bureau 's.

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 09-12-2016 about Debt collection (I do not know) with Midwest Recovery Systems (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do not know what this is! I have not had a payday loan in over NINE years. I paid a company over 2years ago for an XXXX XXXX loan I overlooked. I still have a copy of the " PAID IN FULL '' letter I received. Now, this Midwest Recovery is saying that I still owe! This is not right! Has to be some mistake!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ERC ( Enhanced Recovery Company ), is in possession of a XXXX XXXX loan, according to XXXX records. Despite some fraud charges and items/orders I did not receive, I 've attempted to make payment arrangements. However, XXXX XXXX reps would not lower payment amount due. They insisted on a payment plan, but a payment plan or arrangement does not lower actual amount due nor does it waive any late or over limit fees. They were or are attempted to collect a minimum payment of well over XXXX, a VERY unreasonable amount considering the fraud/missing orders and or items. The fraud aspect of the account is due to a cousin with almost an identical name, XXXX XXXX. My name is XXXX XXXX XXXX, he does not have a middle initial or does not use one. He placed a number of orders with an XXXX, orders running into the XXXX. There are also some orders which I did not receive, however, I do not have the company names available to me as I do not have a full accounting of past orders. I do know the majority of the balance is from an XXXX, jewelry orders. This is fraud. He used my computer to go on XXXX, placed the orders without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09-03-2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have made several attempts to download my credit information from Experian an Have called them o their hotline at XXXX XXXX to no avail. I have used their direct website where you have to pay as a last resort several times after they said they made repeated attempts to reset the system for me. I have had no trouble obtaining my tranunion, and equifax reports but this is an immenense mystery toe. I made an additonal attempt to apply by phone and surprisingly the system found me, but they said they will try to send me a copy to my home address within 15 days if they can track all of my information down. In any event they will attempt to locate my info and send what they have. This Is All Surreal. I am XXXX years old and XXXX credit agencies can find me on the spot, and another does not even believe that I am an American citizen. How Is this Possible? Does Experian do their call center business in XXXX? Please help me get a copy of my Experian report. Thye call center employee aqctually told me that she cold not help me. I am working with lexington law firm to help improve my score from fair to excellent. Ineed your help obtaining my legal rigt to posess my experian report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (FL).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It May Concern : In early XXXX of 2015 my wife and I applied for a loan modification from US Bank. After approximately four XXXX months of receiving poor communication, poor service, having to send things multiple times ( some my fault ), not being able to leave voice mails and more, I received a denial. The denial letter stated that US Bank presumably tried multiple options however the reason for denial was the same for all " We previously requested income documentation from you to reconcile income discrepancies found during the review. The requested documentation has yet to be received. '' ( see attached correspondence ). This is a bold face lie. At this point I do n't why I was denied. In any case, I completed an application which was thoroughly completed and included pay stubs. We they asked for more info I gave it to them. Additionally I was assigned XXXX different relationship managers XXXX XXXX and XXXX XXXX both of whom I communicated with many times. 
In the spirit of brevity I am refuting the denial on the basis of XXXX simple facts 1 ) I have always been on time with every payment and therefore a good and loyal client and 2 ) US Bank had already granted me a previous modification for which I am grateful. If they did it once they can do it again. I did not ask for an adjustment to current market rates/terms. All I wanted was to get the same rate/adjustment I had before with the previous modification which is a rate that is still well above current market rates. The current rate I have now is ridiculously above current market rates. In fact it 's downright oppressive. I am not asking for anything unreasonable. I am simply trying to improve my financial situation and I have recently had a drop in my income. I believe US Bank is choosing to do is take advantage of my situation where I have no other options to refinance. If this how there treat loyal clients I 'd to see how treat those you do n't pay. 
Please review my situation and please choose to help me and my family. Again I am only asking for what was clearly available before. 

I will thank you in advance for your help and consideration.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Medical) with Armor Systems Corporation (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was under the impression that they were going to remove it off my reports. They said after it was paid that they would remove it. But its still reporting on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Billing disputes

Complaint: Bank of America did not properly and thoroughly investigate a complaint, I returned an item to the merchant by US mail and provided Bank of America did not investigate in a timely manner and USPS does not provide tracking for more than six months online. Bank of America did not explain that they could not locate the number instead told me they needed a tracking number. How am I supposed to know the tracking number expired?

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 08-07-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (VA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: I am currently working with XXXX XXXX XXXX to work on paying this account. They call at least 5 times a day, usually late at night and during all hours of every day, even during the weekend. They have called my brother ( XXXX from XXXX on XXXX-17 ). This is unacceptable and I am unsure why they are calling my sibling, regarding my account,.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There is an account with XXXX XXXX XXXX that is now closed. The account was open in XX/XX/XXXX but it says XX/XX/XXXX. The account was supposed to have been removed but keeps appearing. I requested for it to be removed and its still there.

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account open XX/XX/XXXX with XXXX which is reporting late payments of 90 days past due or more, which is incorrect. I was in school from XX/XX/XXXX to XX/XX/XXXX and was in deferment until I started back school which was XX/XX/XXXX thru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. In between those times my account were in deferment status.

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