milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Closing/Cancelling account

Complaint: My card was canceled by American Express the same day a payment was made which was XXXX XXXX. American Express sends a letter dated XX/XX/XXXX stating they checked my credit on XX/XX/XXXX. XXXX they stated my account was under review on XX/XX/XXXX and this is why the account was terminated. Now it was because of a Fico Score " among other reasons dated from XX/XX/XXXX ''. So if this was the case the card should have been canceled XX/XX/XXXX. The stories keep changing with this company. The account was canceled according to American Express for a number of reasons. I had an American Express Everyday Card. My card was approved on XX/XX/XXXX. My payment due date was the XXXX of every month. This company does not honor agreements or contracts yet they expect customers to honor the same agreement. Keeping in mind I did not go over my limit or violate any provisions with American Express. The XXXX reached out to American Express regarding my account and they have ignored the XXXX and refused to respond. 
I have repeatedly called and requested a letter in writing stating the final amount on the account at the time of cancellation. I have been asking for this letter for three weeks and still I have not gotten this letter. They made promises to change my billing date and they failed to do that as well. 
Finally according to the customer agreement my account could be canceled if I gave false information, was in default, went over my credit line, unwilling to pay, if I violated provisions, or become incapacitated. At best I was lied to so many times by American Express. I am requesting the billing date to be changed to the XXXX of the month. I am requesting a letter in writing regarding the change of the billing date and the current balance on the account. I spoke to XXXX out of the Florida Office on XX/XX/XXXX who stated the letter " was in the mail ''. I received no letter to date. The total amount owed the date of cancellation on the account was {$2000.00} this was XX/XX/XXXX. 
Total dissatisfaction is what I feel for this company and how I was treated. At this point all I need is the billing payment date to be changed and this information mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Collection Systems, Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My collections agencies refuse to send paperwork nor negotiate anything with me. I started to pay my debt just recently they refuse to make my credit report in good standing. I have n't received any mail about this debt either. The account balance is wrong also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed a state tax lien on my credit report with Equifax. The first attempt was denied and stated that the tax lien was reported accurately and they needed additional information. I then filed another dispute with them, this time providing a copy of the letter from the courts, signed by the judge stating that the state tax lien was vacated and withdrawn because I did not live in that state during that tax year. Equifax once again denied my request to remove the tax lien from my credit stating that I needed, even MORE, information like two copies of identification, a copy of my social security card, the letter, and a bunch of other information. I was also informed by the state where the tax lien was originated that they have contacted each of the credit bureaus and informed them that the tax lien was in error and has been vacated and withdrawn. I have sent the letter out from the court ( which includes my social security number on it, so there is no confusion as to who it belongs to ) and the only bureau to give me the run around and refuse to delete the tax lien has been Equifax. This has become extremely frustrating considering I should have never had the tax lien on my report in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My credit score is materially lower due to the fact that the average age of my accounts is misleadingly low. XX/XX/XXXX accounts have an aggregate age of ~8 years ; however, given that my graduate loan account with Nelnet is split into XXXX " accounts '', my aggregate account age is 4.1 years. If these accounts only showed up once ( as I feel is more truthful - XXXX loan provider, for XXXX XXXX degree ), my aggregate account age would be ~5.4 years. This increase, according to XXXX XXXX, would move me from " poor '' to " fair '' in terms of average account age. I would like this to be updated so my credit score does n't reflect a misleadingly low average account age.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (SC).
Issue: Struggling to pay mortgage

Complaint: I do not believe this company has standing. I have sent the following request to them : XXXX XXXX. XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX " Qualified Written Request ''. No answer XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX Dispute of Validation of Debt requiring answers XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX Request for original lender. Response received says who current lender is. Not what I asked. 

XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX Dispute of Validation of Debt requiring answers XXXX XXXX, XXXX Certified # XXXX XXXX XXXX XXXX XXXX I called Selene and verbally asked the questions that are on the letter. I was told to fax my questions to them. I did. I followed up with certified mail to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was living in XXXX XXXX XXXX XXXX XXXX XXXX in from XX/XX/XXXX to XX/XX/XXXX. I had a two bedroom second floor apt XXXX XXXX XXXX. In my bedroom there was a roof leak when it rained. I removed paint on walls to find mold, I did a Mold test. It was positive for Black, Brown, Green Mold. I told XXXX about it and they sent a maintainance man over and he painted it wit XXXX just to cover the stain and repainted it. I became very sick with XXXX XXXX XXXX XXXX. I moved for 1 month to a one bedroom, I was told by my XXXX XXXX XXXX XXXX I need XXXX  XXXX, XXXX, and XXXX XXXX XXXX. I lived in XXXX alone, I had to move back to XXXX where I am currently living and since have advanced to XXXX XXXX XXXX XXXX XXXX which XXXX from XXXX to XXXX. I have 2 of the same collections on my credit report from XXXX XXXX ... ... XXXX.the Legal Dept I spoke to said they were two duplicates of same debt. The Debt is not even acuurate to start with as I paid my rent and had to leave for Medical reasons my XXXX believes is form environmental Mold in Apt . I am XXXX from the XXXX, and in treatment for the rest of my life till I die. I will be needing housing as my final resting place as I currently live with my XXXX yr old Father who has had XXXX XXXX, I can not get approved because eof these False Derogetory Marks on my Credit Report. I do not have funds to hire an Attorney as I um under Poverty Level by XXXX State Law. I became ill because of XXXX XXXX, Never was late on my rent was an excellent tenant ... and this is now at the end of my life what they are trying to do.False debt,2 of same when I owe nothing to begin with paid rent and I believe they used my security when I HAD TO LEAVE. I am not a Deadbeat ... I pay my bills. Iam willing to settle even though this is a False Bogus Debt x2, for {$100.00} dollars to have this removed both from my credit report, I have contacted local news and TV of this. Please help me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. My current XXXX is XXXX XXXX XXXX Director of XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, if you need to verify the status of my illness. I should be suing them for my XXXX, but instead they are nasty in the Legal Dept and will not remove at least one of the False Debts, never mind both. Thank You for uour time and consideration.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has not complied with or conducted pre-foreclosure outreach requirements. 
Before recording the NOD, servicer must provide the borrower with a written statement outlining documents borrower may request per CC XXXX ( XXXX ) ( XXXX ) ( XXXX ), contact borrower by phone or in person to explore foreclosure alternatives and to offer a subsequent meeting, which must occur within 14 days of meeting request per CC XXXX ( XXXX ) ( XXXX ). If above contact is unsuccessful then servicer must send a first class letter, attempt telephone contact on 3 different days and times, and finally send a certified letter with return receipt requested, giving HUD counseling information per CC XXXX ( XXXX ). 
Bank of America never provided me with a document as indicated above. While XXXX sent a letter to me prior to the recording of the defective and deficient NOD recorded XXXX XXXX, XXXX, XXXX was not the substituted trustee at that time making any contact by XXXX moot as it predates the XXXX XXXX, XXXX Substitution of Trustee signed by Bank of America Assistant Vice President XXXX XXXX XXXX. XXXX had no right, as a matter of law, to initiate the foreclosure process prior to the recording of the Substitution of Trustee. Equally important, I had no knowledge that XXXX acted with authority or as beneficiary trustee prior to receipt of a XXXX XXXX XXXX Recorders Office certified recorded copy of the XXXX XXXX, XXXX Substitution of Trustee naming XXXX as the beneficiary trustee which I have not received to date. Who the XXXX is XXXX to me prior to being notified? For all I knew XXXX was XXXX of those scam debt collectors since Bank of America already decided to park and stall the MHA HAMP TPP process and had placed a Cease and Desist tag and code on the home loan mortgage account back in XXXX XXXX. 
According to Bank of America letter of XXXX XXXX, XXXX, Bank of America only attempted to contact me twice. This attempted contact was via telephone from a telephone line that gives no indication that the caller is Bank of America ( the caller ID is blocked ). If Bank of America wants to claim pre-foreclosure requirements have been met, then start with identifying yourself as Bank of America beforehand when you call. Otherwise, how is one to know the bank is attempting to make contact?

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 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, TRANSUNION AND XXXX HAS NOT DONE A PROPER INVESTIGATION ON THE HARD INQUIRYS ON MY CREDIT REPORT. SINCE THE DATA BREACH THEY HAVE NOT DONE ANYTHING TO REMOVE ALL THE FRAUDULENT INQUIRYS ON MY REPORT. I DID NOT APPLY FOR CREDIT WITH ALL THOSE COMPANYS. I WOULD LIKE ALL THE INQUIRY 'S ON MY CREDIT REPORT REMOVED NOW. 

Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all contact with me. 

If this final request does not prompt you to conduct a proper investigation of the items in question, or the immediate and complete REMOVAL of the INQUIRIES and NEGATIIVE COMMENTS from all my credit reports ( XXXX, XXXX, and Trans Union ) immediately. Please send proof to me of said investigation, I will file a civil suit in your county, or state for damages.
Your Company has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.

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 01-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: There is a XXXX Bank account that does not belong on the report, XXXX has agreed for removal and the reporting agency keeps saying verified, this is wrong information on my name and it hurts me to the bottom. 
I have included a copy of my report as well the letter from XXXX bank showing the account in dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: At the time the loans were in repayment. Navient did not inform us regarding payment of the loans. In addition, the loans continued to grow due to interest. After a year of interest being added to the loan, we were notified that we needed to pay the accrued interest as well as late fees that were added to the unpaid months. As indicated earlier, we were not notified regarding the payments ( statements did not come to the home ) however we did receive the statement requesting the payment for the late fees and accrued interest. In addition, we have been in contact with Navient informing them that those payments are not possible and if we are able to obtain payment options. We were told we would receive the necessary paperwork however ; we have not gotten them. 

The loans were not paid for several years and as the person ( s ) responsible for the repayment we were not notified of the capitalized interest on the loans and late fees. In addition, the owners of the loans did not notify us about the possibility of sending the loans into default of options to resolve the payments for the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I 'm writing to dispute, for the third time, Portfolio Recovery Debt Collectors. Had charged off credit card through XXXX owned first by XXXX then transferred to XXXX Bank and this still sits on all XXXX credit reporting agencies. Debt subsequently sold to debt collector, Portfolio Recovery Associates appears on all XXXX credit reporting agencies, as well. 

So debt was paid through settlement and was told shortly thereafter all items would be taken off of my credit reports - all XXXX agencies. 

THIS WAS TWO YEARS AGO AND STILL XXXX ITEMS ON ALL XXXX CREDIT AGENCY REPORTS. 

Received a letter XXXX XXXX, 2016 from debt collector wanting additional materials concerning the previous dispute attempt, of which Portfolio Recovery was forwarded all this information previously. 

Not only is this frustrating that after two years this debt collector has failed to do what originally was promised, but sending a letter stating they have n't received any materials, appears to be delaying their process, which I do n't understand. 

I 'm attaching all XXXX credit report sections listing XXXX AND Portfolio Recovery Systems and a copy of their letter.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Mortgage (Conventional fixed mortgage) with GUILD MORTGAGE COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: I purchased a new home XXXX 2014 directly from the builder, XXXX XXXX, but I just discovered multiple hard credit inquiries on all XXXX of my credit reports and it has hurt my score. I never authorized multiple hard credit inquires on my credit. My mortgage is through XXXX. I only filled out XXXX application in XXXX 2014 giving XXXX permission to pull my credit once. I never gave anyone else permission to pull my credit. 
XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX, 2014 XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX, 2014 XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX, 2014

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 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: There are inquiries showing on my report that I never authorized nor they have a permissible purpose, nor they have written authorization for the following inquiries. XXXX XXXX XXXX  XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX   XX/XX/2017

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 06/29/2015 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I was making regular payments to my home mortgage for a few years. My loan was eventually transferred to fifth third bank. I setup automatic payments through my bank. Fifth Third bank did not have an online payment method for non-checking account customers. At some point without my knowledge, my total payment due changed and the previous amount I setup did not cover the full amount. The bank did not apply my partial payment and stated I was late. I called Fifth third bank to rectify. They waived the late fee and said they would work on removing the record from my credit statement. I was able to immediately make the missing balance payment and have not been late since. My credit score has been severely negatively affected by this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Since XX/XX/XXXX I have initiated 3 disputes with Equifax and to date none have been completed. Most of the disputed items still remain on my credit report. The last dispute was initiated on XX/XX/XXXX. Since then I have looked at my report on XXXX and it does show that XXXX accounts have been removed but to this day I have not received in correspondence from Equifax or any updated reports. When I check the status on their website, it still shows pending, along with the previous 2 disputes. I have not received any updated reports or results of my disputes. Most of the items were opened around the same time and were from the same main bank, either XXXX or XXXX. XXXX has sent me letters showing that the dispute of their items were found in my favor. I have attached documentation of 3 of those letters. Those have been removed but the others still remain on my account. I also am attaching proof that my data was breached yet again in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Deposits and withdrawals

Complaint: you can not get your statements on line of what you have paid whom

Company response to consumer: Closed with explanation