milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2018 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Collector : XXXX XXXX XXXX XXXX ( XXXX ) XXXX This collection company was engaged incorrectly by XXXX ( XXXX ) XXXX regarding an unpaid medical expense. The date of service was XX/XX/XXXX and this debt was paid on XX/XX/XXXX. 

I contacted AMCA on XX/XX/XXXX and advised this debt was in error and I required a letter advising it had been removed. The representative advised that they do not send letters once the debt has been resolved. This was not well received and I advised I require a letter. 

On the same day, I contacted XXXX directly and Spoke with XXXX XXXX. She reviewed my file and advised there was no outstanding balance and this was sent to collections by mistake. She called AMCA and advised them that the debt was in error and that they would send me a letter to resolve. 

Today, XX/XX/XXXX, I contacted AMCA again regarding this incorrect debt after receiving a third collection letter. I was under the impression that this was resolved. I spoke with a representative, XXXX XXXX, who advised that there was no proof of debt being resolved. I relayed my conversations from the prior contact on XX/XX/XXXX and he advised there was nothing he could do. I asked repeatedly on his recorded line for information regarding the regulatory body for debt collection. I was repeatedly advised that he does not have this information and there was no one else to talk to. 

I sent my proof of payment via email to XXXX and will be faxing the same email to them at ( XXXX ) XXXX. They have repeatedly told me that they will not send a letter of debt being closed. This seems improper handling of my account and a direct threat against my credit report. It would seem that they do not have any regard for consumers that are incorrectly in their cross hairs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (Medical) with EOS Holdings, Inc. (HI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Eos-Cca is trying to collect more after my debt has been " paid in full. '' On XXXX XXXX I received a call from my Rep who has been handling my debt from XXXX XXXX. The Rep asked me if I would like to settle this debt and finish the rest of the payments that day. I just got a nice bonus so I decided to pay it off. I asked the rep what is the total I owe today. He gave me an amount of {$430.00}. I was confused because to my calculations I still owed a little over {$700.00}. He said something about he had a couple payments unprocessed or something like that and I would just have to pay the remaining {$430.00}. I paid that amount and have received my Settlement letter stating that my " Debt is Paid in full. '' XXXX XXXX I received another call from another Rep asking me to pay {$810.00}. I had no idea what this debt was so I asked for the account number. I did not agree to pay because I wanted to cross reference the account number with my pass bills. Turns out the account number was the exact one from my settled debt back in XXXX. 

XXXX comes around and I decided to give them a call and explain to them what happened. I explained everything that happened in XXXX and I 'm not going to pay because I have already received my Debt settlement letter, which I thought was supposed to be a change in contract. They put me on hold to check some notes, He came back to tell me that the previous Rep made a mistake and my settlement letter did n't mean anything because it was sent on false records. I told them its not my fault. I was extremely upset that he told me my letter does n't matter. He continued to tell me that computers make mistakes and to settle my debt I would have to pay about {$370.00}. I have no idea how he came up with that value to settle my debt. I was not going to go through this all over again where a Rep gave me a bogus amount just to say they 're settling my debt and then receive another call 6 more months down the line.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I pay XXXX XXXX powered by Experian every month for credit monitoring services and the information reflected on my reports are inaccurate. I have five active accounts ( XXXX {$750.00}, XXXX XXXX {$650.00}, XXXX XXXX XXXX {$650.00}, XXXX XXXX {$4800.00}, XXXX XXXX {$8200.00} ) with revolving credit that totals {$15000.00} but only {$10000.00} is reported on my reports. This mishap is affecting my credit score. 

Also, I have aliases on my reports. I do everything with XXXX XXXX as well as sign with XXXX XXXX. I need the following aliases removed from my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have fully paid an auto loan from XXXX that was delinquent. I understand it should have shown that on my credit report but the account is almost 11 years old now. 10 years and 10 months to be exact. I have tried to get this account removed several times and have failed. I was told it would fall off in XX/XX/2017 by a rep from Trans Union but it never happened. My payments for all my accounts are on time and they total over 20. Cant understand why this negative account has to punish me for the rest of my life when I have a great credit history now? Please investigate.

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 08/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (CO).
Issue: Loan modification,collection,foreclosure

Complaint: We received a Loan Modification Approval in XXXX 2016 from Caliber Home Loans. They required a reinstatement fee / good faith payment of {$2300.00} by XXXX XXXX, along with the documentation for the modification. We sent the executed modification documentation along with the fee, via cashier 's check and XXXX, which was received by Caliber on XXXX XXXX, as verified by XXXX delivery tracking. On XXXX XXXX, we were notified by XXXX XXXX XXXX XXXX XXXX XXXX XXXX that Caliber had submitted a bid to purchase our home at Foreclosure Auction on Wednesday XXXX XXXX ( 2 days from now ). We 've been advised by XXXX that we should file a complaint against Caliber for " dual tracking our loan '', which is what we are officially doing with this communication.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I took out a parent loan to assist in putting my son through college. This loan is ridiculous. The interest rate keeps going up, it is now 8 %. I originally borrowed {$12000.00} at the end of the loan period on XXXX/XXXX/XXXX I will have paid back {$34000.00}!! My monthly payment is XXXX and I always pay {$150.00}, this is getting me nowhere. I am hoping there is some way for you to help me. At this rate I will be in debt with this company until after I retire or later if the interest rate continues to climb. Please help or give me advice as to what to do. Everyone I have contacted says they ca n't help because it is a parent loan and not a student loan. I thank you in advance for any help you can give me!

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I have a checking account with BMO Harris ( the bank ) and am required to maintain a balance of at least {$2000.00} to avoid a monthly charge. I looked at my account online this afternoon and discovered that the bank assessed a {$15.00} charge to my account on XX/XX/2017. I contacted the bank and asked the customer service representative ( the rep ) with whom I spoke the reason for this charge. She stated that it was due to my account balance decreasing to less than {$5000.00}. I informed her that I received a notice two or three years ago stating that I must maintain a balance of at least {$2000.00}, but that I was unaware of the requirement to maintain at least a {$5000.00} balance. I asked her when my account terms changed and when the bank issued the notice to me. She reviewed the account further and confirmed that I was only required to maintain a {$2000.00} balance. She stated that the fee was assessed in error and that she would reverse the charge. However, I believe this error, without the rep even understanding why it occurred, reflects a major flaw in the bank 's compliance management system.

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 02/15/2018 about Debt collection (Other debt) with Amsher Collection Services, Inc. (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Didn't receive enough information to verify debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I mailed Experian Certified letters on XXXX XXXX, 2017 in which they received on XXXX XXXX, 2017 according to the tracking number and notifications. Today is XXXX XXXX, 2017 and I have n't heard anything back from them regarding my credit reports and the outcome of my situation.

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 01-10-2018 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: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an ID theft victim ; his information was used fraudulently to apply for several credit and communication accounts. During the process an address was found associated with these applicaitons in his Equifax credit report. An official dispute of this information was sent to Equifax XXXX/XXXX/XXXX ( ticket number XXXX ) however a credit report received XXXX/XXXX/XXXX Equifax is still listing the address. 

XXXX XXXX XXXX XXXX XXXX MN XXXX ( this is the fraudulent related address that is to be removed from the Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America refuses to terminate mortgage insurance on the property, even thou the LTV is below 70 %. BofA demanding we pay {$450.00} for another appraisal to be done by XXXX XXXX XXXX XXXX on our property. I think it is unnecessary and violates the spirit and the letter of the Federal Homeowners Protection Act of XXXX as amended in XXXX. The full appraisal of the subject property was performed on XXXX XXXX, XXXX by a fully licensed appraiser, certified to perform appraisals for FHA. The subject property was appraised at {$490000.00}. A copy of the Appraisal Report was submitted to BofA on XXXX XXXX, XXXX. The current Principal Balance on the loan is {$340000.00}. Nowhere in the loan documents does it state that the only acceptable appraisal can be performed by XXXX XXXX XXXX XXXX. Under the law BofA is required to automatically terminate PMI under these circumstances. We requested termination XXXX times and it is denied. 
In BofA 's letters dated XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX it stated " your current Loan to Value ( LTV ) ratio is above 80.0 %. A new appraisal is required '' and requested payment of {$450.00}. The statement that current LTV is above 80.0 % is incorrect, and contradicts BofA ' own data. According to the letter dated XXXX XXXX, XXXX received from BofA, it estimated the Property Value as of XXXX XXXX, XXXX to be {$470000.00}. With current Principal Balance of {$340000.00} the current LTV ratio based on BofA 's own Property Value Estimate is 71.00 %, well below 80 %. Furthermore, even if you take the Purchase Price of the Property at the time of purchase in XXXX, of {$430000.00}, the current principal balance of {$340000.00} represents LTV of under 80.0 %. I believe BofA request for a new appraisal is motivated by policy to generate additional costs and fees, and to prolong the time and cost of unnecessary PMI charges. I also believe it violates current law on this subject.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I PURCHASED XXXX XXXX IN XX/XX/XXXX AND THE CREDIT LISTING REPORTS 1 ( 30 ) DAY LATE PAYMENT ON CREDIT REPORT IN XX/XX/XXXX. HOWEVER, XXXX LISTS LATE PAYMENT AS XX/XX/XXXX ... .I HAVE SIGNED DOCUMENTATION TO SUPPORT PURCHASE OF VEHICLE XX/XX/XXXX( ATTACHMENT ) ; I ALSO WAS ON AUTO PAYMENT FROM IMMEDIATE PURCHASE. I NEED LATE PAYMENT ( S ) REMOVED AS IT IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I had fraudulant charges on a bank of america credit card I had. I have disputed this numerous times with all 3 credit reporting agency 's. XXXX has finally received confirmation from bank of america to delete this account off my credit report and remove it. However XXXX and XXXX are still reporting it. All they are doing is sending me copies of my credit report stating the account has been updated and verified as mine. I contact corporate office for bank of america and it has been determined that these charges were fraudulant and I would not be liable. I was told to re-dispute and bank of america will respond to delete off my reports. Like I mentioned earlier XXXX has deleted it off my report but for some reason bank of america will not send the same information to XXXX and XXXX to remove off my report. I do not understand this as the response should be the same for all 3 credit reporting agency 's. I contacted free legal advise and was told that if bank of america has deleted this account off the report after my dispute the response should be the same for XXXX and XXXX. I have been dealing with this for months now and having this on my credit reports is affecting my credit score. I am being penalized for charges I did not do. To top this off I thought my balance last year was at zero I had no idea my card was being used fraudualntly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Got a student loan from  XXXX   XXXX  and got behind on payments due to health issues.  XXXX   XXXX  then sold account to a collection agency,  Portfolio Recovery .  XXXX   XXXX  's " Credit Item '' on my credit report is reporting the account as " Student loan permanently assigned to government '' yet this account remains at a collection   agency not a Government Agency like Department of Education.
Portfolio Recovery Associates are reporting the account as a collection account not a Student Loan Education Account, and they are   not showing as current. I have been making automated payments since  XXXX   XXXX ,  XXXX  faithfully in the amount of {$200.00}, but in  XXXX / XXXX / XXXX  amount went up to {$200.00}. On my credit report the payment history still shows as   " Past Due '' with no payment listed as " OK '' it has a " C '' which represents Collection.
The payment history not reflecting as " Paid as agreed '', the payment history not reflecting any payments is hurting my efforts in trying to get a home. It is also affecting our marriage and causing mental anguish. I have spoken with Portfolio Recovery and their answers are : " Sorry, We ca n't do nothing about it ''. No remorse or consideration to the payment arrangement. I feel that I am not getting any kind of credit for making on-time payments to Portfolio Recovery for the past 3 years. I am doing my very best to pay back this loan and they refuse to report correctly to the credit b  ureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Chase. I have never been late on a payment. For some reason they have blocked my access to pay online. If I try to contact them I am automatically forwarded to their default/collections division. Repeat : I am not in default on my loan. So you have to call customer service which has my checking account information. They are basically harassing me and trying to force late payments by blocking my access to pay my account online. I have written to CFPB 2 or 3 times before this complaint but my issue has never been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Forberance period expended. Tried to request financial hardship assistance due to lack of income. Denied.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Vehicle loan or lease (Loan) with PENTAGON FEDERAL CREDIT UNION (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: RE : Penfed Auto Loan Acct : XXXXXXXX Refinanced this auto loan with Penfed and vehicle has had full insurance coverage since purchase ( see attached ) without any lapse in coverage.

Pendfed is placing and requiring additional costs be remitted in association with adding a new auto supplemental policy - above and beyond the coverage currently in place.

The loan agreement ONLY requires a standard auto insurance policy, which my policy complies and is above and beyond the minimum requirements set forth in the agreement and has been in place since the purchase of the auto.

This action by Penfed is illegal in the State of Florida.

I am therefore filing this complaint and submitting the same to Florida 's Office Of Insurance Regulation.

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: On  XXXX   XXXX ,  2017 , I was approved for a secured credit card with CitiBank. The card the was supposed to arrive on  XXXX   XXXX . The card did n't arrive. I called CitiBank to ask what was going on with my card. They told me to wait 10 days to see if the card arrives in that time. I waited the ten days, and the card did n't arrive. On  XXXX   XXXX , I called them again to see what was going on. They told me to wait until the end of the day, as the card  may  arrive during that time. The card did n't arrive. I called the next day and was told that they could n't send it to me because of security reasons. Getting frustrated, I called again that same day, and I was told to wait another 10 days for a replacement.   XXXX  I am tired  of CitiBank 's ina bility to get me my card on time, and that is why I file this complaint.

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 11-04-2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: I have leased a XXXX XXXX XXXX from Toyota Financial Services ( TFS ) on XXXX/XXXX/XXXX. Since this was an electric vehicle, Toyota was offering a special promotion for unlimited mileage XXXX My lease contract clearly states that there is no mileage limit and no charge exists for additional miles. However, upon turning the car in at the end of the lease ( on XXXX/XXXX/XXXX ), TFS has sent me a bill for {$2000.00} for excess mileage. I have been trying to work this out with Toyota since XXXX, but just get transferred around different departments and nobody has the authority to make a decision in my case. I was advised by the representatives to seek outside help. At this point, my account is in charge-offs, and this would soon negatively impact my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Other debt) with The TRAF Group (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I asked his company to verify the debt and in return received no proof to do so. The company does not have my correct information to and only has my address from my dispute to verify this debt. This is not proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have consolidated with XXXX XXXX that turned into Navient. I have been paying on their based on income, which is OK. The problem is that the interest has jumped to XXXX dollars since the loans have been consolidated. Now answer this question how are I ever going to pay this back

Company response to consumer: Closed with explanation