milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: In reference to CFPB case noXXXX and Bank of America case no XXXX. 
BOA has deliberately refused to address my dispute. This dispute has been going back and forth until present. The bank responded to a dispute that has already been resolved, and irrelevant or illegitimate documentation has been submitted to cfpb. The dispute about the cancelled ticket from XXXX XXXX has already been resolved. The tickets were used the following year ( XXXX ). Again my dispute is a charge of {$7300.00} on my card dated XX/XX/XXXX for a PURCHASED round ticket for XXXX from XXXX. I did not or ever purchased a ticket on the said date. I did not acknowledge any purchase of such and never received a MERCHANDISE. I can not stress that enough. I am therefore requesting proof of purchase and merchandise delivered for that payment. That is what BOA should have requested from a merchant before paying money out. Merchants should not charge to please themselves because they have a consumer 's card information on record. To avoid legal fees and any inconveniences, I want this to be settle amicably. I can not not stress that enough, that the charge on the card dated XX/XX/XXXX was not a cancelled transaction but a claimed purchase by the merchant which is in dispute. So for BOA to send a mail out indicating the rights of a merchant to operate business independently and set cancellation policies is preposterous and not holding for a charged item. The bank can not pay any money out to any individual or company without my concern and inform me to take it up the merchant when there is a fraud.

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 04/23/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Federal Tax Lien has been released, but has not been reported on my credit report

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 10-04-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The dispute case number attached to this complaint is for Equifax, confirmation # XXXX. I have disputed these unauthorized inquiries with both Equifax and the creditors and each entity has not done anything about removing these unauthorized inquiries. I simply want these unauthorized inquiries removed from my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Back in   XXXX   I contacted CFPB regarding my JcPenny account with Synchrony Bank. Here is original complaint : " Synchrony Bank closed all my credit card accounts, because I would n't send them vital information to them. I do not feel comfortable sending over this information, as if lost, them it leaves me wide open for fraud. The problem is with my former JcPenny card. I received a letter from Synchrony Bank, in which they stated that they would report my card as fully paid on time with no delinquency, over a matter of {$4.00}, they reported me as 30 days late on my  XXXX  credit report. I was assured that the report would be corrected and the 30 day late would be corrected and removed. To date, this has not been done and  XXXX  is showing as 30 days late, breaking their promise to me via the letter received. FIX IT! '' I received hard copy letter via postal mail on  XX/XX/XXXX and   XXXX   XXXX  , 2017, that they were updating the bureaus to reflect current closed status and not past due. The problem has never been fixed, as my bureaus are reporting STILL as closed Past Due. I highly suggest this be fixed immediately, without further lies and B.S. - I was told this would be taken care of, and shocker, it has not been. " " in our previous response dated   XXXX   XXXX  , 2017, we requested all major credit bureaus delete the late payment associated with this account from your personal credit history. You were informed that the updates to personal credit report may take up to 60 days. '' - Its now past the 60 days!!
This is ridiculous and shameful that a large retail bank, lie and deceive, to get out of trouble.
I have contacted my lawyer, and will follow up with legal action if ALL bureaus are not updated and corrected within 30 days of this complaint. CFPB get of your lame  XXXX  and follow up on this, not just take the easy way out.

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 10-11-2016 about Credit card () with WELLS FARGO & COMPANY (TN).
Issue: Other

Complaint: See the attached information from WELLS FARGO FINANCIAL NATIONAL BANK - I have NEVER opened a credit card with this " bank '' or had any other account with them until XXXX XXXX of XXXX XXXX, TN put my car purchase through the Wells Fargo Dealer Services that is located in XXXX, Colorado. I want this removed from my credit history and if it has affected my credit I will personally sue them and it will hit the world news. Apparently they are still scamming people and I will not tolerate this.

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 12/14/2017 about Mortgage (Conventional home mortgage) with ARVEST BANK GROUP, INC. (NH).
Issue: Trouble during payment process

Complaint: My mortgage company ( XXXX XXXX XXXX ) did not utilize the bills sent by the XXXX of XXXX to calculate my taxes/Escrow Account and monthly mortgage payments properly. I was told that when a {$73.00} bill was pushed through as my 6th month tax/escrow payment for my property it was not a concern. I 'm not sure what happened to the original tax bill sent to XXXX XXXX XXXX Company since the XXXX of XXXX is reflecting a payment of {$2400.00}? XXXX XXXX  XXXXe Company verbally accepted responsibility over the phone on XXXX/XXXX/XXXX after not responding to an email sent on XXXX/XXXX/XXXX. I was told that this was an oversight on their part and that if my mortgage was for new construction then it probably would have been red flagged and looked into further. Now my monthly mortgage payment is expected to increase by {$610.00} ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I believe that XXXX XXXX XXXX XXXX ( XXXX ) is reporting a debt that ( 1 ) should be removed due to Case XXXX and ( 2 ) they are parking/re-aging the debt by not reporting the actual date of last payment. 

I sent XXXX a letter that requested that XXXX XXXX XXXX XXXX ( XXXX ) remove a Trade Line from my credit reports pursuant to the Federal Trade Commission vs. XXXX XXXX and XXXX XXXX XXXX Case XXXX. 

I included copies of the following pages for thier convenience : Page XXXX - Court Case ListingPage XXXX & XXXX - Specific Credit Card Programs included in this order listing " XXXX '' and XXXX, including its successors and assigns. 
Page XXXX - Specifically Paragraph XXXX which states that within 60 Days of the Order, ALL affected trade lines shall be removed from credit reports. 

I provided XXXX reference numbers, original account numbers, and personal identification information. 

The letter also informed XXXX that all XXXX Credit Reporting Agencies deleted the original XXXX issued by XXXX. If The Original Creditor ( XXXX ) could not validate, resulting in Trade Line removal, then certainly XXXX ca n't validate. 

XXXX responded to my letter XXXX/XXXX/15 and stated that they " deny that our records are inaccurate '' and stated " you did not provide sufficient information ''.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (OK).
Issue: Other service issues

Complaint: I made XXXX one-time purchases for digital products through XXXX app using Paypal. My payment method at Paypal for " store purchases '' was set to XXXX, but " subscriptions '' was set to my checking account. What happened is that my one-time purchases through the XXXX were charged as subscriptions, resulting in XXXX NSF fees on my checking account. Paypal then attempted a second round of ACH transfers for the same XXXX charges, resulting in another XXXX NSF fees for a total of XXXX NSF fees. 

Paypal provided a " bank letter '' stating that the ACH drafts were unintentional, but the bank ( XXXX ) would only remove XXXX of XXXX fees. Paypal would not accept responsibility for processing the one-time store purchases as " subscriptions '' and would not refund the remaining XXXX fees, but they gave me credit for XXXX as a courtesy. 

The issue here is that XXXX is billing one-time store purchases as " subscriptions or automatic payments, '' and Paypal is aware of the issue but does nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONSUMER PORTFOLIO SERVICES, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have reached out to all the companies on my credit bureau that is showing an inquiry that has been made and they have stated its a matter of record. I explained to them that I have been a victim of identity theft and that I have not requested credit from there company. I was told that they would not really affect me to there is nothing they can do to help me. I have contacted the credit bureaus and they have told me that they can not help me although I have a fraud alert and have explained to them that someone has try to obtain credit in my name. I have cell phone bills on my report that I am fighting to get off now. I am very upset about these inquiries and that the creditor nor the credit bureau is willing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed the balance of auto loan with TransUnion. The other XXXX credit agency 's have the correct information in their records that I paid off my {$30000.00} auto loan over two months ago. A man in XXXX for TransUnion says they will not take any action to correct their records. He asked me to send him a copy of my vehicle title, instead of them contacting the loan company to confirm. What?! Send him a copy of my title ... I do n't think so! This is not right people! Their reporting is extremely slow and lacking in proper customer service skills.

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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX Credit Card resold by XXXX XXXX provided me with a statement on a XXXX balance account where they are charging me a {$99.00} annual fee and {$1.00} in interest. On XX/XX/17 I called the company and asked them to waive the fee and to cancel my card. They refuse to waive their annual fee on a card I do n't use and they are charging me interest on their fee. This is a UDAP issue.

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 10/27/2017 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: Navient and XXXX XXXX are absolutely insane. They call non stop at all hours starting at 7 am through XXXX pm 7 days a week. Ive filed multiple complaints with the attorney generals office about this and how they are so unprofessional and rude. I once called 15 separate times and not once did anyone answer. It continued to ring and ring till I finally got connected and was hung up on. Even when you do talk to anyone, nothing is noted or filed. They will say they have not heard from you even if you just hung up with them

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried to work with the Credit Bureaus more than once, i have sent several attempts to ask for proof of validation of accounts and they have refused to provide me with Proof. The law states that they must provide with proof if they can not they must delete from my credit or update what needs to show properly on my credit and they fail to do so. I tried my best to work with them but they are not being fair and not following the LAW. I have been trying to work with them Since ( XXXX/XXXX/XXXX of this year that is a total of 4 months of this going on. ) I ask CFPB to help me look further into this matter.

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 01-03-2018 about Debt collection (Federal student loan debt) with Texas Guaranteed (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX/2018 I called the company to respond to a demand letter. 
There were many personal questions they were asking including information about my medical history and prescriptions.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Zakheim Law Group, P.A. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX refuses to send me statements for what is owed, they purchased the dept from sears financial. The dept was incurred when we purchased an over priced air conditioning system for the house seven years ago. When I have called and asked for statements I am told I have to sign up for and automatic payment plan. They do not call and do not communicate by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Please note that under Sections 605 and 607 of the Federal Fair Credit Reporting Act you are obligated within 30 days to delete obsolete information from my consumer credit file. The information being reported on my credit report is more than seven years old and exceeds the statutory time period under this Act and must be removed. The information to be deleted is as follows : Date : XX/XX/09 Amount : {$4800.00} Actions take by me : I have sent several letters via certified mail to all XXXX credit bureaus demanding that this erroneous information be removed along with an updated copy of my credit report that reflects the deletions of all XXXX credit bureaus.

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: Submit document for XXXX XXXX earlier this years receive paper confirmation that the history or the account will be removed because company took to Long to respond and there was no proof of the account. The account was being mailed to wrong address and the wrong email I never received any bill. Results stated on paper that they will remove the historical data of the account but it 's still posted I have been fighting this for months even though I have the paper work. Now that I have paid the account off the historical data is hurting my credit file. I 'M REQUESTING THE ACCOUNT BE REMOVED FROM MY REPORT. Or the historical data all be deleted. 

Also the address and the social variation is not mine.. I keep sending over documents to get these address removed and I also have active alert but I keep seeing address being added to my account and address staying the I do not know. THESE ADDRESS ARE NOT MINE. MY ADDRESS IS XXXX XXXX XXXX XXXX. ALL OTHER NEED TO BE DELETED

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 12-07-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Looking to sell my home and purchase a smaller XXXX, I worked with a realtor. My credit score came back low, a shock to me. Upon reviewing the report I found an account opened that was not mine. I reported an identity theft to all XXXX credit agencies, requested it be removed, to no avail. I submitted a police report which came back conclusive for identity theft. Officer stated I should contact all XXXX agencies and provide the proof she gave me and demand the account be removed. All but XXXX credit reporting agency accepted my dispute online. Experian refused to accept my information and wo n't answer calls. I have yet to have the account in question removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Credit card debt) with NAVY FEDERAL CREDIT UNION (MS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Today XXXX XXXX, XXXX Navy federal credit union took a past due payment of XXXX for my closed credit card out of a shared joint XXXX XXXX checking acct with no authorization and no notification. They refused to return the XXXX unless I agreed to set up a payment on the XXXX of XXXX! When I explained to them I would n't be filing a complaint and that they had no authorization from me or my XXXX husband to take that money only then did they say they would return it but only after I set up a future payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: All verifiable info belongs to me ( name, address, phone # ) except for the SSN. I am a recent victim of ID Theft by someone using the SSN provided by the collection agency. The debts original date was 2002 from XXXX XXXX and has since been sold to various collections agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I just received a notification indicating that I need to re-certify my income-based repayment plan. I ALREADY DID THIS. On XXXX/XXXX/16, I submitted a request to change my repayment plan ( currently IBR ) to REPAYE ( ref # XXXX ). I provided all of my income information as requested for this process. I do n't understand what they want from me. Are they now asking me to do something entirely different from what I 've already done in terms of providing my information? Their letter indicates that if I do n't do more paperwork I will be getting a bill for almost {$2000.00}. I 'm confused. Did I or did I not already do what was required of me?

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern, Our family was offered a USDA loan modification from Wells Fargo which began on XXXX XXXX, 2015. The offer required a down payment of {$1400.00} to be made by the date of XXXX XXXX, 2015 in order to accept the offer. In addition to having made the initial payment and consequently completing an extra payment of {$1400.00}, XX/XX/XXXX ; we have still not received our permanent loan modification. 

Our relationship agent XXXX XXXX has not retuned any of our calls since XXXX XXXX, 2015 and we feel that the final adjustments to our account have not been made. We are also concerned that Wells Fargo is in some way attempting not offer us the permanent loan modification and place our account back into default. 
*See Exhibit A -XXXX- USDA Loan Modification OfferOur escrow account is also a major concern as well. Due to my XXXX status as well as limited earning potential I 've been fortunate enough to be granted a property tax exemption. This exemption enables our family to be charged no more than {$380.00} for city taxes rather than {$1900.00}, no matter if the taxes go up. Wells Fargo has been made aware that these adjustments are to be made to my escrow account and have refused to dos so. These extra costs being charged to my escrow account have placed additional burden on our family to make payments for our mortgage. 

*See Exhibit B -XXXX Tax Proof of Exemption documentWe feel as though our family is getting the run around and we are seeking intervention from your offices. Wells Fargo is not keeping a transparent process and is abusing us by not adjusting a large negative balance to our escrow, even after receiving proof of the exemption via fax. 

No one is returning our calls regarding this matter and we 're entering into month # 3 and no adjustments have been made as discussed with XXXX XXXX on XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation