milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/31/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XX/XX/2016 I Submitted a dispute to Experian regarding a collection account placed on my credit report by XXXX XXXX XXXX. I disputed the account information as it was reporting an incorrect date of default from the original creditor, incorrect original balance, and incorrect account history. I requested a full deletion of the account since XXXX had been unable to provide accurate dates and terms, and due to the fact that the account should have aged off based on the true date of default. The original account, owned by XXXX XXXX, is no longer on my report as it has already aged off. 

I received the final results of Experian 's investigation on XX/XX/XXXX. Although. Experian failed to verify the accuracy of the collection account. Instead of promptly deleting an account that is reporting inaccurately and past the age-off date, they updated the information with a new, yet still incorrect account status, account history, and account terms. This update looks as though this is a recently paid collection and it has negatively affected my credit.

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 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MN).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XXXX/XXXX/XXXX I opened the US Bank Altitude Reserve card because they have advertised that " spend {$4500.00} in 90 days and get XXXX points ''. I paid {$400.00} annual membership fee right away after approval. I used it to book some airline tickets on XXXX and XXXX, and used for a computer purchase and hotel reservation payment on XXXX. On XXXX, my card was involuntarily closed by US Bank. I called XXXX and spoke to XXXX, and he told me, per their T & C, my card was permanently closed because I used my card to buy " cash equivalents ''. I only have these charges to my card for the whole lifetime of the card, and none of them are " cash equivalents ''. Then he said it was closed because some of the transactions are earning me " reward points '' and therefore US Bank decide to close my account. So the fact is, I did not use the card on any " cash equivalents '' ( which XXXX said was forbidden by their T & C ), but they still closed my account nonetheless because my transaction is simply earning rewards points. To date, my rewards point count was XXXX, although they advertised that I could get XXXX points ( worth {$750.00} ) after spending {$4500.00} in 90 days. From what XXXX said, my understanding is, US Bank advertised their card as a " high rewarding card '', but once you use it to earn rewards, your account would be closed by them because they do n't want you to earn the rewards. To me, this is typical " Bait-and-Switch '', and is cheating customers into applying ( and resulting in a hard inquiry and huge negative impact to the credit report because of both the inquiry and short lifetime of the card itself ), and then only keeping those accounts that they do n't need to pay rewards expense. I also used the card to reserve several hotel nights, which would resulted in inconvenience. I can not believe US Bank is doing such cheap thing. And the agent XXXX even said " go ahead and file a complaint if you want '', sound like they do n't care at all.

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 12-02-2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (ME).
Issue: Deposits and withdrawals

Complaint: This complaint is based off Administrative Proceeding File No. XXXX I have on several occasions Navy Federal Credit Union have sent me Deceptive Collection Letters and have called me claiming that I needed to bring my past due account of to date or they would be forced to seek legal action against me. Furthermore during XXXX of XXXX up to XXXX XXXX I received paper check that required to be scan deposited due to the fact there were no local Navy Federal Credit Union. Because of the fact a few of my account would become more the ten days delinquent they froze all my accounts including my Visa XXXX Check Card and my Debt Card until I bought that account up to date. I would have to call to get them to remove the lock out and allow me to scan deposit and I would have to bring the delinquent account first or they would lock out all my accounts again. This was very inconvenient as I was in between jobs and also going through a separation that lead to a divorce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Payday loan) with Green Trust Cash, LLC (PA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a payday loan several years ago and continuously receive harassing and abuse emails from a 3rd party debt collector - to my personal email address. The emails are abusive, continuous, and seem to become worse. I receive abusive emails -approximately one email every 8 days. Via these emails, I have been harassed consistently, called irresponsible, and also called childish. I have received a total of 62 harassing emails since XXXX 2015. I have saved all emails from this collector.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Since XXXX 2016 my loan servicer, Great Lakes, is delaying the acknowledgment of my loan payment by 3 - 5 days causing the addition of more interest to accrue on the account. I called in XX/XX/XXXX and XX/XX/XXXX to address the issue noting that for the last 5+ years prior payments we acknowledged the next day, to no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: A Georgi a State Tax Lien  (  XXXX   XXXX   XXXX   XXXX   ) is showing on my credit report. Tax Lien is sho wing as filed  XXXX / XXXX /  XXXX  . I do not a delinquent tax/tax lien with the state of Georgia. I am requesting this tax lien be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Medical) with Credit Service Company, INC (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been communicating with CSC for about four months now. The debt is from the hospital that my XXXX child was born at, it started as a {$5000.00} debt and we paid about {$2300.00} of it before a change of jobs made it hard for us to finish the payments. There was also a {$200.00} debt that I was never notified about going to collections. A few months back we negotiated a payoff amount of {$1900.00} for the XXXX Hospital debt and we submitted a request for negotiation to the other {$200.00} debt. I sent CSC a check for the {$1900.00} and believed I would hear from them within a week or XXXX about the other debt. My check was never deposited and I did n't hear from them for two months. I finally called them and they said they would n't deposit that check because we were waiting to hear from the {$200.00} debt. Another few weeks passed before I heard from them again, I spoke with XXXX on XX/XX/XXXX at XXXX and she stated that my payoff amount for XXXX Hospital was now {$1000.00} and the other amount was {$220.00}. 

At this time I provided a credit card number and authorization for a charge of {$1200.00}, it was processed immediately and taken out of my checking account. XXXX verified two different times on a recorded phone call that our account was now paid in full and our balance was {$0.00}. Later that evening I checked my bank account and found that the {$1000.00} amount of the charge was being put back onto my card and they were only charging the {$220.00} amount. This morning I woke up to find they had deposited that old check for the {$1900.00} amount. I believe they have violated the FDCPA by misrepresenting the amount I owed on the debt and I would like to know what recourse I can take, if any? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Other debt) with AFNI INC. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: account is a result of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Money transfer, virtual currency, or money service (Virtual currency) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Money was not available when promised

Complaint: Bank of america is taking too long to update the transaction records so i am unable to cash out my XXXX account.

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 07/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX-XXXXTrans UnionXXXX XXXX, XXXX , XXXX XXXXTo Whom It May ConcernI sent a letter to you disputing XXXX unauthorized hard Credit inquiries removed as erroneous on XXXX/XXXX/XXXX and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on XXXX is now XXXX/XXXX/XXXX and I have not received a response from you. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the dispute accounts from my report. You must now delete the dispute and unverified accounts failure to do so can result in a {$1000.00} fine per undeleted item. 
Unauthorized Hard Credit InquiresFollowing creditors responded me and they ask me more information 's. They fail to respond with in 30 days time period .all letters attached. please remove following inquiresCreditor Inquires DatesXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX/XXXX/XXXX, XX/XX/XXXXXXXX XX/XX/XXXXFollowing Creditor 's not responded at allCreditor Inquires DateXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXEnclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all accounts I have disputedThanks in advance to your timely response to this request ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I looked on my Experian credit report and noticed a repossession from a company called XXXX XXXX, I have never had a loan through this company. I disputed it with the ONLY credit reporting company that this is showing on and they refuse to remove it

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 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent a letter to Trans Union over 30 days ago about an account that is showing on my credit report that is n't mine. I have attached proof that the account is n't mine but I have not gotten a response back from Trans Union and they still report the fraudulent account on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit card protection / Debt protection

Complaint: I have a XXXX card that was enrolled, without my consent, into a debt protection program. This resulted in monthly fees that went unnoticed due to not being aware of the enrollment ; the charges date back to 2008 when HSBC owned my XXXX ( it is Citibank 's now ). My total balance due hardly declined due to the monthly charges of this protection. Now I owe almost XXXX my maximum credit limit because my deferred interest has reached its deadline and has now being applied to the total balance. I would have much less balance due and interest accrued if it was not for the monthly fee of an unauthorized enrollment in debt protection. If I did not enroll in a debt protection, it is because I did not need it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Payday loan) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I took out a loan with Tower Loans of XXXX la 17 months ago. I was told at the time, that I could repay the amount within 30 days for a {$200.00} - {$300.00} principal charged. I borrowed {$1200.00}. The manager at this establishment insured that I could repay within 30 days and it would not be added to my other personal loan balance. She sat with me and my husband with quick sign here comments. Less than a week later I went in to pay it off and I was told my payoff was {$3300.00}. When I asked about what I had originally been told, I was told that had been a false statement and how much will you be paying today. Feeling ashamed of myself for being fooled I have went in every month for the past 17 months and paid {$230.00} each time. Making my total paid in this time period {$3900.00}. I called for payoff this week and my balance is still {$2000.00}. Hearing this infuriates me. I have paid more than double the amount I was promised I could originally pay off. I spoke with XXXX the district supervisor and was made to feel like I 'm just trying to get out of paying my bill. I asked him some questions that he refused to answer. Like the APR and his cap % as well as how the principal is charged. He then took it upon himself to hang up on me. I feel this company SHOULD be looked into for unfair practices. I have basically paid almost {$4000.00} in PRINCIPAL. This should be illegal. Not to mention the tactics used to get me to sign a contract agreeing to this. I forgot to mention the harassing phone calls and overall BAD ATTITUDES of All their employees including the District Supervisor. The District Supervisor also told me, you 've been paying it for over a year, why is it an issue now. Well because I honestly believe I 'm being treated unfair and I honestly believe TOWER LOAN is breaking the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Mortgage) with Selene Finance LP (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Selene took over servicing of my mortgage I have sent letters requesting verification of the debt the modification that XXXX had and how to continue with the modification ... ..they have ignored my repeated letters and calls and have just moved forward with the foreclosure which is tomorrow XX/XX/2017

Company response to consumer: Closed
Consumer complaint received 07/22/2017 about Debt collection (I do not know) with Northeast Collection Bureau (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company Ncb has been calling me about making a payment for a loan that I did n't apply for. The amount is {$3900.00}. I would like this issue resolve because it 's lowering my credit score tremendously. The phone calls started in XX/XX/XXXX and have been done on a daily basis ; several times a day.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I initially discovered a collection/debt reported on my credit report. I contacted the creditor/collection agency listed on the debt line at XXXX separate addresses XXXX 2016 via certified mail and also contacted them via telephone to validate that I am the owner of this debt. They advised they are unable to provide any validation for this debt as it has past the statutes of limitation for their ability to continue collection activity. I advised the collection agency this item has not been validated as my debt and should be removed, to date I have not received any debt validation. I then contacted the XXXX credit agencies : XXXX XXXX, Equifax , and XXXX and advised of my unsuccessful pursuit of debt validation from the creditor and the incorrect item should be removed. I also requested that any debt validation provided by the collection agency be provided to me to show that I am the owner of this debt and its debt dates are being reported correctly. Both XXXX XXXX and XXXX investigated the debt and then deleted the item as the collection agency was unable to validate the debt. However Equifax advised the debt was validated but did not provide any validation or documentation. I believe this investigation was never performed by Equifax nor debt validation provided to Equifax by the collection agency. I can provide all certified letters to all credit agencies and collection agency and proof of removal from XXXX XXXX and XXXX upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Two complaints have been filed on this matter : one in  XXXX, and another in XXXX, regarding my HELOC ending in XXXX. 

The most recent complaint # : XXXX. 

I 've had two conversations with Complaint Resolution Specialist XXXX XXXX this week. 
# 1 : XXXX told me that Bank of America could find no error in the loan that Countrywide had established for me. I reminded XXXX that was because Countrywide offered me a HELOC over the phone, with no actual appraisal of my home. ( The loan amount was grossly inflated, base on what the Countrywide agent told me my home was worth ). Even though XXXX agreed that such an appraisal ( based on 'comparables ' in my neighborhood ) was not the ideal scenario, she never accepted or stated that this practice was totally unethical. 
# 2 : XXXX stated ( in conversation # 1 ) that she would phone me at XXXX XXXX on XXXX with a list of documents I needed to submit, if B of A was to re-consider the original loan amount or make any adjustments to the Countrywide loan. This was not an acknowledgement of any wrongdoing, she said, just a willingness to review my loan. 
On XXXX/XXXX/XXXX, at XXXX XXXX. ( I had to call XXXX, to see if our phone call was still going to happen -- she stated she was " running late '' and so had not called me ) we finally spoke. After XXXX began speaking, letting me know the call was being recorded, I mentioned that I was recording the call for my own reference. 
At this point XXXX 's tone changed considerably. XXXX XXXX told me that if I continued to record the call she would terminate the call. I reminded her that I was well within my rights to document what was said, reminding her that I had had many, many conversations with B of A and needed to keep dates, items discussed, and names straight in my mind. XXXX stated that since B of A was recording the call, I had no need to record the call also. Again, I stated that I was within my rights as a consumer to document the conversatiion, and that not being allowed to do so by B of A was a total RED FLAG. XXXX stated that B of A policy was to NOT allow recorded phone calls, and that we could speak in the future " after ( my ) review of this policy ''. XXXX XXXX then terminated the call without providing me with a list of documents I needed to send B of A, as she had promised to do.

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 12-03-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Delinquent account

Complaint: I fell on hard times this past year. I spoke with the company and explained what happened. They continue to call me with a " robo call '', leaving a message every time. This occurs 5-6 times a day, between the hours of XXXX and XXXX. This also includes weekends and holidays.

Company response to consumer: Closed with non-monetary relief