milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I received an email from BofA in XX/XX/XXXX that I would start being charged a monthly maintenance fee on my checking account ( ending in XXXX I believe? ). I contacted BofA and inquired about the fee since I have had the same two accounts for over 5 years with no fee. They referenced me to my Terms and Conditions that I signed when I opened the account. I asked for a copy of the terms and conditions they are referencing and they could n't provide XXXX. I asked them to close this account and transfer my balance to my savings account ( XXXX ). The rep at BofA that I spoke to said this account is n't subject to the account maintenance fee so I should keep this XXXX open. This is not my primary account so upon receiving an alert on XX/XX/XXXX that my account was overdrafted, I look to find that a Maintenance fee of {$14.00} was charged and is the fee that put me in a negative balance. This then caused other transactions to be declined causing overdraft fees and Extended overdraft fees. I called BofA in XX/XX/XXXX and the BofA rep said, " no, this account also has monthly maintenance fee 's, check your terms and conditions. '' She apologized for the previous rep statement about no fee 's but could not do anything. I am currently sitting at - {$180.00}, with SEVEN monthly maintenance fee 's being added to my account since my XX/XX/XXXX conversation. 

Please close my account ending in XXXX since I was told this included no monthly maintenance fee 's in XX/XX/XXXX by BofA. Please have the escalation department at BofA listen to the phone conversation for verification. None of the - {$180.00} are charges on my behalf, they are all invalid bank fees that were caused by miscommunication by BofA. Thank you

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NC).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XX/XX/XXXX, {$1000.00}, Citi Cards , this account was paid and no late payments, it is showing up on my credit report as negative item.
XX/XX/XXXX, {$1000.00}, Citibank , this account was paid and no late payments, it is showing up on my credit report as negative item. XX/XX/XXXX, {$1500.00}, XXXX XXXX, this account had no late payments and I did not used this card for a year the company inactive the account. showing on my credit report as a negative item. XX/XX/XXXX, {$1500.00}, XXXX XXXX , this account had no late payments and I did not used this card for a year the company inactive the account. showing on my report as a negative item.

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 03-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I 've just reviewed my credit score and noticed a significant decrease. After reviewing my report on XXXX, I 've had about 12 hard inquiries removed and then reinserted. This is against the law as I received no written notification of changes. I spoke with a rep from transunion by the name of XXXX and she states she 's unable to delete it because it 's a glitch on credit karma. I 'm assuming this same glitch has affected the other credit bureaus because my score has decreased between XXXX points in about a month. I do n't care who 's at fault, I just want all inquiries removed because it violates my rights as a consumer.

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 05-08-2017 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: Information belongs to someone else

Complaint: I have made disputes to both Experian and   XXXX   regarding information reported on my credit file that is not correct. Experian made it difficult to confirm my identity because they are relying on fraudulent accounts as verification. I have submitted several disputes and made phone calls to  XXXX  and after a re-investigation, I received an email that advised me to call   XXXX    for further information if I still dispute the item. When I called  XXXX , they stated that the collection agency " verified '' that the account was in fact my account. When I asked what was the proof that they provided, I was told that the collection agency confirmed that the account in question was associated with my social security number. Well of course it is, that is what I am complaining about ; someone using my " identification '' fraudulently. That is the basis of the dispute.  XXXX  stated that I would need to contact the collection agency because they believe the collection agency. This is the proof? that the social security number belongs to me? I contacted the collection agency "   XXXX   '' and they stated that the account is being reviewed by the fraud department but it appears to be my account. I provided a police report number and information forwarded to me by the police department. The reporting agencies refuse to remove false information and I am losing money by purchasing different credit monitoring companies to gain a way to dispute these items. The collection agency states that they will send an update to the address on file. The address on file for a cable bill. I reiterated that I never have lived at that address, let alone the city where the fraud occurred. Where is the proof from these companies. I must show the burden of proof, not them. I was never notified of a bill, therefore a collection was reported on my credit file without my knowledge, and now that I know there is such a collection, they ignore the facts that prove it is not mine. I have researched the address and found the name of a person who lived there during the time of the fraud. Neither the reporting agencies or collection agencies perform due diligence.

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 10-11-2016 about Bank account or service (Checking account) with Allied Credit Consultants (FL).
Issue: Account opening, closing, or management

Complaint: I received a notice today from a company claiming to be litigation company / attorney service who is filing a claim against me. The company is XXXX bank, however I have not received any notice which gives me 30 days to dispute the account, however the letter stated to call XXXX directly which I did. Upon calling XXXX XXXX was unable to find anything other then where I applied for the account, I verified for him that I was not granted the account and never made a initial deposit which returned and I was told the account was {$60.00} due. XXXX transferred me to XXXX ( blind transfer ) in overdraft collection dept from there XXXX did n't ask me for one thing she told me to go into the bank. XXXX told me there was nothing she could due, and I would not be able to dispute the account I needed to go into the bank. I explained I never went in to apply it was never opened and begged for her to look up my info she refused. I asked for a supervisor and I was denied access to one I do n't owe these people a dime. The company under this ficticious law firm corporation is frivolous, threatening to damage my credit, and prosecute me however if they are acting as a debt collector they have denied me the right to dispute the debt XXXX is not in compliance as well.

Company response to consumer: Untimely response
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have spent the past year trying to resolve an issue that has been proven to Equifax that XXXX XXXX has knowingly refused to provide payment history for 3 years of a loan in order to keep negative information on report for more than law allows. 
After several attempts asking Equifax to to provide correct payment history ( or remove from report ) Which should show originally when the payments started being late in XX/XX/XXXX ) requests denied telling me to contact XXXX XXXX Disputes were done online and through telephone. 
Payment history missing shown below. XX/XX/XXXX - XX/XX/XXXX Missing. Equifax will not remove negative information because they say my negative information started in XX/XX/XXXX. 
XXXX XXXX has since updated report stating charge off and also added I made a payment in XX/XX/XXXX which is FALSE Today I spoke with Equifax ( several agents and someone named XXXX XXXX who claimed to be a Supervisor at XXXX XX/XX/XXXX) and stated the issue again. I was told they would not remove the negative information even though there is no payment history provided to prove the negative payments started in XX/XX/XXXX. Was told to contact XXXX XXXX myself and tell them to provide that information. I have also tried several times through the years for them to change from repossession to what it actually was. A Voluntary Surrender. 

Account Name XXXX Account # XXXX Date Opened XX/XX/XXXX Payment Status Bad debt & placed for collection & skip Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX  Monthly Payment Past Due Amount Highest Balance Terms M 69M Responsibility Individual Account Your Statement SETTLEMENT ACCEPTED ON THIS ACCOUNTPAID CHARGE OFF Comments SETTLEMENT ACCEPTED ON THIS ACCOUNTPAID CHARGE OFF FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXXFP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXX XX/XX/XXXXFP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX FP No prior payment history shown on report from XX/XX/XXXX until XX/XX/XXXX to avoid  actual drop off date within 7 years. 
Nobody at that company will help

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX hired Financial Asset Management Systems to collect on a private student loan. Financial Asset Management Systems XXXX FAMS XXXX had previously stated in a Consumer Financial Protection Bureau complaint that I had filed that they do not save credit card information. Their statement was false and deceitful because I went online today to make a payment to the FAMS online payment website and they had XXXX different credit cards saved under my name and account information. FAMS is intentionally misrepresenting that they do not save credit card information when in fact they do save credit card information as is shown in the attached .jpg file which I screenshoted to show that FAMS does save credit card information even though they had previously stated in a prior CFPB complaint that they do not save credit card information. FAMS is engaging in deceitful debt collection and misrepresenting their business practices which is a flagrant violation of the Fair Debt Collection Practices Act. FAMS lied when they previously stated in a prior CFPB complaint that they did not save credit card information which was a flagrant lie and I have proof that they lied to me about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: After hearing about the recent allegations against Navient, I would like my loans verified. If they ca n't be verified, I would like them removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have contacted Portfolio Recovery Associates, LLC with 2 written  letters on Validation of debt in regards to a notice they sent on XX/XX/XXXX stating this communication is an attempt to collect a debt. 
Amount of {$2500.00} and {$2100.00}. 
Then continued to no Validate the debt and send replies without any contract verifying that I have a signed contract with them. On all harrising communication dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, it specifically states on their letter head on the bottom in bold : This communication is from a debt collector but is not an attempt to collect a debt. These accounts are listed on my credit reports as collections.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have several items that do n't belong to my credit history i have called and have sent all required info my ssn card, my drivers lic, anything they ask from me. please help me. 
these are the accounts that do n't belong to me XXXX i have called all these companys several times with no help.

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 10/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (OR).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I had a problem with US Bank two months ago when they failed to apply my payment that got there on time, but they did not post it for a day. They lied! I called and told them to close my account. Last month they did not send my XXXX statement out until very late in the month, I did n't receive it until XXXX, but they did not change the due date. That allowed less than a full week to get it back to them on time because the XXXX was XXXX day and they were closed. I still got it there by XXXX. They acknowledge the receipt of the payment on XXXX, but they did not post it until XXXX, the due date. On the same day as it was due, before they posted my payment they charged me for a {$27.00} late fee, then they posted my payment. They purposely held my check until the XXXX, but they still tried to charge me a late fee! A dirty little trick, by a dirty little bank. I think they are trying to out XXXX XXXX XXXX for the leader of XXXX little tricks committed by a XXXX little  bank!

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 02-04-2017 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: BARCLAYS BANK DELAWARE has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe BARCLAYS BANK DELAWARE any alleged debt and would like them to provide proof of claim with authenticated verification. BARCLAYS BANK DELAWARE has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes. 

See Attach

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 Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Balance transfer

Complaint: I AM XXXX XXXX AND I WANT TO TRANSFER MY BALANCE WITH MY CREDIT CARD COMPANY. I HAD A XXXX CREDIT LIMIT IN 2015 AND EVERYTHING WAS FINE. WITHOUT ME ASKING FOR AN INCREASE CAPITAL ONE INCREASED IT TO {$3300.00}. NOW I AM NOT ABLE TO PAY ALL THE INTEREST AND OTHER FEES CONNECTED TO THIS CARD. I NOW OWE OVER THE CREDIT LIMIT AND WHEN I MAKE PAYMENTS THEY ALL GO TO INTEREST AND THE FEES. I CAN NEVER GET AHEAD. WHEN I CALL THEM WHICH HAS BEEN OVER 8 TIMES THEY SAY THEY CA N'T TRANSFER MY BALANCE TO THE CHEAPER 0 % ON A BALANCE DUE. IN OTHER WORDS THEY SAY THEY CANT GIVE ME THERE OFFERS OF 0 % BALANCE FOR MANY MONTHS. WHY WOULD THEY WHEN THEY KEEP CHARGING ME OVER {$70.00} EACH MONTH IN FEES AND INTEREST.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: AN UNKNOWN 30 DAY LATE IS REPORTING ON MY CREDIT REPORT IN ERROR FOR THE MONTH OF XXXX  2017.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These inquiries were not authorized because I was already pre financed through my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Other

Complaint: See CFPB complaint # XXXX. This is a complaint that is completely separate from the complaint below but are connected in terms of the consequences the complaint above is having on the complaint below. 
My stepson XXXX XXXX had a debit card associated with his mother 's checking account with Chase. My wife has a credit card with Chase that is being reported as 245 % over its limit which is the reason behind CFPB complaint # XXXX. 
XXXX applied for a credit card and was denied because he was being reported as having a credit card 245 % over its limit when he does not. Chase claimed this was happening because his bankcard was connected to his mothers checking account. XXXX then closed the account he had in connection with his mother and opened an entirely new and separate card in his own name and with his own social security number and when he applied, he was denied because his credit report list him as having a credit card 245 % over its limit when he does not have any credit cards in his name at all.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was misinformed for over 3 years by Navient regarding the payment plan I was on. They told me that my payments qualified for Public Interest Loan Forgiveness and recently told me that the payment plan I was in did not count towards that program.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 12-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: This letter is to complain about Chase rearranging bank transactions to appear different than they were in order to extract three overdraft fees that they were n't in titled to. Chase took one Amazon transaction and turned it into three separate actions in an effort to extract two overdraft fees that the should not have had. They then after my deposit was made and the account was brought back to positive, Chase rearranged transactions over the weekend when the bank was closed. to appear as if another overdraft fee had been extracted days after transaction had been made and fee was taken. Chase has intentionally rearranged the account to appear different in order to take money they were n't entitled to. Chase often does this and the call this action legal. They have intentionally extracted {$100.00} in fees they were n't entitled to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-02-2017 about Debt collection (Other debt) with EQUIFAX, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt was sold to a collection  Agency  and is not mine nor accurate ... ..

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

Complaint: *XX/XX/XXXX- Spoke to Transunion about removing a " Consumer Disagrees '' in the comment section on all 7 of my paid off student loans. * Spoke to Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Spoke to XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I even have a letter from XXXX stating that " All Loans have been paid in full. '' This is truly frustrating as I am now trying to buy a home, and all 7 of the " Consumer Disagrees '' are harming my chances of getting a great APR.

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