milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2015 about Debt collection (Credit card) with Retrieval-Masters Creditors Bureau, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: About a year ago, I financed services through XXXX XXXX XXXX through XXXX XXXX. Roughly a year ago, XXXX XXXX XXXX abruptly closed and I never recieved any of those services. XXXX XXXX has since started harrassing me to collect this debt. I have expressed to XXXX XXXX that I did not recieve any of the services and their response was that it was not their problem. They also threatened to use legal action against me if I did not pay. I then told them that I will contact them to reach a resolution and until then I do not want to be contacted by them. However, they have continued to call me repeatedly using the telephone number above and various other phone numbers. It has become increasingly difficult to use my phone because of the number of harrassing calls I keep recieving from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (IN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I went to the University XXXX XXXX and have student loans through Discover. I have recently contacted them to get a lower monthly payment since they want more money than I pay in rent. The told me I could split my payment which is not helpful. Then the executive at Discover told me to contact a lady that specializes in repayment and I have yet to get a phone call back, not to mention the fact that I get XXXX phone calls a day harassing me for money.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Rewards

Complaint: I had a XXXX XXXX American Express card. I was never late paying the account and never exceeded the credit limit. XXXX chose to close my account without warning. The cash back I had earned was confiscated. XXXX can close my account but the rewards from my account should be paid 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 11/15/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In XXXX XXXX I received a phone call from card services - for a Bank of America credit card. The rep on the phone explained that this call was an attempt to collect a debt for a Bank of America credit card with a balance of {$580.00}. 

I told the rep I never had a Bank of America credit and I went on to ask her when the account was opened she said the account was opened in XXXX and the last payment received was in XXXX from a XXXX account. I 've been a Bank of America customer for 11 years with a checking and savings account. 

I contacted the fraud department the very next day and they said they would investigate the matter. I recently received a letter from Bank of America fraud and claim team with the following message : After a thorough review, it has been determined that statements were mailed to you and payments were made. As a result, you 'll be responsible for any balance on the account. 

I was n't asked any information to substantiate my claim about this account being opened fraudulently. Nor did Bank of America provide me with any proof they used to verify that this account belongs 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 09/20/2016 about Debt collection (Credit card) with Patenaude & Felix APC (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Filed suit before first notifying me of their intent to do so

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Other debt) with RentDebt Automated Collections, LLC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I moved into XXXX XXXX in XXXX, GA onXX/XX/XXXX, 2017 and during my walk throughout without anyone from management I found pet hair throughout the apartment. I had an XXXX reaction sleeping in the apartment and notified the office immediately. They had someone come out and clean the carpet XX/XX/XXXX/17. That didn't work and I was still having health issues so they had some come do and XXXX cleaning which I had to be out of my apartment for all day. I told the office pet hair was still in the carpet and due to my XXXX I would have to move out since they didn't replace the carpet. I'm being charged for having to move out due their negligence of properly cleaning the apartment and feel I shouldn't be charged for having to move early because I'm XXXX. I told them I hadn't moved all my things in yet so whatever needed to be remove the carpet, etc could be. This is affecting my credit and I've tried working this out with them several times. I'm being charged {$1900.00} for termination

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I had deposited money in to my account where I had to be logged on to my online banking which allows the doors to my private accounts I had in my portfolio to be accessed when I went and deposited the checks and everything went fine and I did my deposit just fine and also have my SER number on my receipt meaning the checks were good and there is money in my account that the money is coming out of. I put money in my debit account for me to use and my money went in there but they were telling me when they had checked the account when I was logged off they say they didn't get any information to the check pretainting that it even existed meaning they weren't able to pull up the account because its in my portfolio and I must have been logged of when they were checking the check to see if there was money in there. There was around {>= $1,000,000} in there as the best to my knowledge. Anyways they seen the amount of money me as a custome had in my Private Portfolio and they probably thought something else. I had money in my Portfolio and I have all my account number that only I can access and bank of America has no way of accessing it unless im logged on. I inherited from the Father of the XXXX XXXX XXXX XXXX XXXX and they were probably shocked of probably seeing my inheritance. Anyways they cancelled both of my debit cards out and they deleted my entire online banking which I know I have my account numbers and they are all in the VAULT. Ill have FBI pull my accounts out of the Vault but these guys or someone Forced Closed Accounts and deleted my entire online banking access as if I have passed away. I have my Force Close off Statements and what they put in the Consumer reports is false saying they had to close my accounts because I was in the negative. I've gone to every bank and tried opening an account with them and they are telling me they are not able to open a bank account with them because of what's in the consumer report. Bank of America has put in two false reports in the consumer reports and they need to be removed because they are not true and its being a ruin in my life. My life has came to a hault and nothing seems to be moving because what Bank of America has done 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 01/24/2017 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I would like to split my monthly payments into two payments per month fulfilling the total monthly amount. The Bank will not accept partial payments. The offer was to participate in a program whereby there is an automatic deduction from my bank account on a bimonthly basis. I do not want to participate in this program since there are 2-3 additional payments incurred throughout the year as a result of some months having five weeks. I would rather pay on my own and have the bank accept my partial payments throughout the year, meanwhile fulfilling my monthly obligations as I choose. My intention is to use a voluntary prepayment schedule as to take advantage of minimizing the interest accrual.

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 05-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MD).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: My mother-in-law passed away in  XXXX  in California. My brother-in-law, also in California, was my mother-in-law 's executor. My brother-in-law passed away the following year. For whatever reason, my brother-in-law 's surviving wife forwarded my mother-in-law 's mail to our address in Maryland after my brother-in-law passed. We got nothing but junk mail in my mother-in-law 's name, and I registered her on the postal deceased list. This slowed the junk mail to a trickle.     Yesterday,  XX/XX/XXXX , we received a BP Credit Card pre-approval in my mother-in-law 's name to our address. My mother-in-law never lived with us and she did not even visit us at this address before she died. The mail says to either return the card to '' BP  XXXX  &  XXXX ,  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  '' or go online at mybpcreditcard.com/accept. The  mailer  also states that by accepting their offer, I agree that I am providing this information to Synchrony  Bank ( SYNCB )  and to BP  XXXX   XXXX   XXXX   XXXX  and its affiliates.     I do n't want to contact the company in fear that they would then have our phone number and associate her name with our identity.     What can we do to make this stop?

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 sent this company a dispute letter dated  XXXX   XXXX ,  2017. H ere I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report.  <P/> At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.

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 Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My XXXX father took out a reverse mortgage through Reverse Mortgage Solutions. When he passed away, our intent was to pay off the loan. RMS never sent notification to the heirs providing the rules, our rights, and asking our intentions, which were to pay off the loan and keep the house. My sister was eventually able to get them to speak with her over the phone and obtain the paperwork to submit stating her intentions to pay off the loan and keep the home. Over several calls she received many different claims as to what paperwork they had or had not received. My brother, the executor, contacted them asking for the payoff amount and received a letter stating ~ $ XXXX. My sister, an heir who had moved into the house, after submitting her intention to purchase the home, contacted them many, many times requesting information about how to proceed and after much avoidance, they finally told her they would have the house appraised and someone would be in touch. We never received the appraisal results or notice that an appraisal had been completed, which is what my sister believed she was waiting for to proceed. Eventually, she found out the house was going to the Sheriff 's sale, but we had never received notification of foreclosure. At that point my sister went to a bank to get a loan for the house, and was told the house had been appraised by RMS for ~ $ XXXX. My sister had more than the appraised value available and went to the Sheriff sale to bid on the home. An RMS representative showed up to the Sheriff sale and placed a winning bid of over $ XXXX, nearly 3 times the amount of the appraised value. My sister lives in the home and has tried very hard to work with RMS to purchase the home ; RMS did not, in good faith, work with her or provide her with the information necessary to proceed with paying off the loan, surely because they would have lost over $ XXXX given the appraised value. The sale is set to be confirmed in court on XX/XX/XXXX, where my sister will contest the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2015 about Credit reporting () with AllianceOne Recievables Management (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: As best as I can tell I had a parking ticket that was unpaid. It appears that this charged off parking ticket was sold to Alliance One Receivables Mgt Inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX, Tel : XXXX XXXX Acct # XXXX. 

I dont know who Alliance One is. I never did business with them, nor contracted with them. They put a Key Derogatory on my credit report as if i opened a tradeline with them and defaulted. They reported to XXXX a high credit balance of XXXX and a derogatory late amount of XXXX, as if its an active tradeline. I dont know who this organization is, but they have caused great harm to my FICO score by frauduently reporting a default as a recent tradeline. I imagine this is a patent violation of the Fair Credit reporting act. What is the re-numeration I am entitled to under the act for a willfull misleading false entry on my credit report? Please investigate and sanction this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX is incorrectly reporting the status of the auto loan that I had with them. It is reporting that the account is 30 days past due. It has knocked my credit score down 57 points. I did a voluntary repossession on the vehicle on XX/XX/2017. The vehicle was not 30 days pass due. I also got a voluntary repossession letter from XXXX XXXX. I enclosed a copy. I spoke with XXXX at the customer service site and XXXX the manager at the location I originally purchased the vehicle from. I have had nothing but in Going issues with XXXX XXXX  From my payments being recorded and reported properly. To them being disrespectful, hanging up on me and refusing managers and supervisor. I have on recording them lying about my account details and so forth also included with complaint. I would like the status of my credit report updated. I did a voluntary repossession on XX/XX/2017. That 's what the credit report should say. I HAVE NEVER BEEN 30 days late with this loan and it should n't be reporting as so. This is defamation of character and slander of my credit report. I feel this is all done intentionally. I tried everything to prevent this. Even taking the car directly to XXXX XXXX corporate office at XXXX XXXX XXXX XXXX XXXX, XXXX, KS ; and also calling XXXX over at the XXXX office XXXX XXXX XXXX XXXX XXXX. I would like my credit report updated immediately. This is affecting my credit poorly and is very illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been living in XXXX for 5 years and i have not have a credit card in 12 years someone open a capital one card in my name and they will not agree to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my credit report, it is showing under my XXXX XXXX XXXX account, it is showing that there is negative information listed. That was for a car I purchased. As you can see, I always paid on time up until I sold the vehicle. I closed it XX/XX/XXXX. I do not know what the statute of limitations is but I can not understand how anything negative can be shown under an account that was paid on time. This only appears under my experian credit report. 

Can you please check into this for me. Only on my experian report is it showing XXXX negative marks. XXXX is my bankruptcy from XX/XX/XXXX discharged and I understand that it will be there for 10 years, XXXX credit report shows XXXX negative item ( bankruptcy ) andd the experian XXXX is showing XXXX negative, I would appreciate any help you can give. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The information on the entry for th e Chase a ccount is incorrect. This account had been reflecting on  XXXX  for the last 5 years a Payment Status of " Paid '', and " Payment Status Details '' of " paid, was charge off ''. It also was reflecting a {$0.00}  Balance Due of {$0.00} ( " - '' ) a nd  Past Due of {$0.00} " - '' ). The " Status Updated ' ' date reflected a date of  XX/XX/XXXX . I also received a  XXXX  in  XX/XX/XXXX  for the same account and recently requested another copy of the same  XXXX .     In early  XX/XX/XXXX    I tried to get my mortgage refinanced and my  XXXX  credit report was updated approximately 4 days later by  Chase to reflect an older " Status Updated  '' date of  XX/XX/XXXX . In addition the Chase entry reflected a Status of " Charge off '' with a " Payment Status '' of " PAST DUE ", a P '' ayment Status Details '' of " PAST DUE '' amount '' of {$16000.00} and a " Balance '' of {$16000.00}. My  Credit Score also dro pped over  XXXX  Points and prevented me from refinancing my mortgage.     I immediately sent a credit dispute letter to  XXXX  indicating my Credit Report information was incorrect and out dated ( i.e. the older "  Status Updated Date ''  changed from   XX/XX/XXXX  with the correct information to a " Status Updated '' date of  XX/XX/XXXX  with INCORRECT inform ation. However, this dispute to  XXXX  resulted in no change to my credit report. I then called Chase directly and was forwarded to multiple departments and managers none of which were willing to correct my report or acknowledge it was wrong. They directed me back to the  Credit Reporting agency (    XXXX   for resolution ) I sent another dispute to  XXXX  with copies of the '' before '' and " after '' credit reports ( with one copy of the recent incorrect report and multiple copies of the correct report from that had been reflecting correctly for the last 5 years ) and a copy of the  XXXX  issued back in  XX/XX/XXXX  but got the same result. No correction updates to my   XXXX    report for the Chase account. This information remains out of date and incorrect.     This incorrect and out date report has prevented me from refinancing my mortgage, increased my insurance rates and preventing me from getting preferred credit in other situations.     Please Help me either get this Chase entry either deleted or updated back to    XXXX     out balances and past due amount. This entry is now  one month from being 6 years old and had been reflecting positively with a Paid Status, w as charge off and  XXXX  past due for 5 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I paid off my loan with a bank issued check on XX/XX/XXXX. Navient cashed the check on that date ( email from bank attached ). The payment never posted to my account, so I called Navient on XX/XX/XXXX, and was told to be patient, that it sometimes takes some time for it to show on my account. 

I called again today on XX/XX/XXXX and spoke to XXXX, who told me that he could n't locate the payment, and that " it might eventually get refunded to me if they ca n't find a home for the money. '' I wrote my ssn on the check, along with account number, more than enough information to locate my account.

Company response to consumer: Closed with explanation