milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXXXXXX cra violation no knowledge of this 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 02/15/2017 about Credit reporting () with Navient Solutions, LLC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Navient reported my payments late when it was under a deferment

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Cash advance fee

Complaint: In XXXX of 2014, I attempted to complete a balance transfer from my Bank of America card to a different card with a lower interest rate. The transfer for some reason did n't go through and the {$2500.00} credit card balance was returned immediately back to Bank of America. What I did n't realize until now, is that they converted that {$2500.00} credit card balance to a cash advance balance, which has a much higher interest rate. It was never a cash advance, it was a failed attempt at a balance transfer. I 've been paying an extra 4 % interest on that XXXX for a year and it has been expensive. Also, my payments are not going entirely for paying off the highest interest part of the card, they are being applied equally to both the credit balance and the " Cash advance '' balance instead of directly to the highest balance part of the card. If they would have applied my payments over the last year to the correct balance, it would be paid off by now. When I called them to ask for a resolution, the XXXX from BAnk of America just kept interrupting me and saying " it 's a cash advance, it 's a cash transaction '' again and again, when she had already said " your credit balance that you tried to transfer was immediately returned to us. '' She admitted it was a credit balance that was immediately returned, but refused to honor the credit balance interest rate. 

Please help me fight these evil people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XXXX/XXXX/2016 i found identity theft on my credit report and began the process of contacting the account holders to resolve the issue. 

XXXX was contacted on XXXX/XXXX/2016 and they do not have a fraud department that anyone can talk with, i was speaking with customer service rep named XXXX and he submitted the fraud claim against the account, XXXX fraud department was suppose to contact me in 3 to 7 buisness day, i was never contacted. 

On XXXX/XXXX/2016 I was contacted by XXXX XXXX Office manager for maury cobb 's law office. I explained to him the issue and faxed him a copy of the police report. i was once again never contacted by t-mobile or maury cobb. 

On XXXX/XXXX/2016 i found that XXXX was still on my credit record and contacted them again and they said that the account was determined to be a legitimate account and was turned over to collections. They give me the collect agency, they said they did not have the account it had be turned over to there Lawyer. ( XXXX XXXX ). Contacted XXXX XXXX and the XXXX person would not give me their name. Called collection agency back and they give me a number to XXXX XXXX, spoke with XXXX XXXX and he understood my problem on the XXXX call and said he had to talk with his office manger and would be calling me back by XXXX i never received a call back by XXXX called so i call them back. XXXX XXXX was very rude and unhelpful at this point and said i need to contact XXXX again and they would be sending me a fraud form in the mail. Contacted XXXX again and they have not been contacted by XXXX XXXX or his law office. 

Called XXXX back the night of XXXX/XXXX/2016 and spoke with XXXX ( employee ID XXXX ). He once again told me that XXXX does not have a fraud department that i could speak with and resubmitted the fraud paper work it would take 3 to 7 days for someone to contact me. 

On XXXX/XXXX/2016 called XXXX back and the fraud department determined the account to be a relationship fraud and need the police report faxed to them. I explained to XXXX ( employee ID # XXXX ) that this could not be a relationship fraud because the account was opened by an unknown person in texas and i live in alabama with no connections to texas. 

XXXX/XXXX/2016 - Faxed a copy of the police report to XXXX and called to check to ensure they received the report. The customer service rep did not see that the fraud department had receviced the fax and would make a note on the account. He did not give me his employee ID #. 

Information from XXXX Fraud account number - XXXX customer service number - XXXX Collection agency information Amsher - XXXX XXXX XXXX information XXXX XXXX - XXXX I have attached a copy of the police report as well as fax transmission report to both XXXX and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (Medical) with Bay Area Receivables, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: the collection agency [ bay area recievables ] are trying to collect a debt that would have been paid by the VA XXXX XXXX, had they paid attention to my instructions to not bill XXXX, but to bill the VA XXXX XXXX, theVA paid all of my medical bill 's from all providers, but the bill in dispute was not paid in full, XXXX paid all but XXXX dollars of the bill, had they billed the VA they would have been paid in full, i am a 100 % XXXX vet and my XXXX is taken care of by the VA, there fore I would like to have this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (MD).
Issue: Shopping for a loan or lease

Complaint: I was sold a XXXX in XX/XX/2016, told the car dealership I did n't want to run my credit a bunch of times, was told that would not happen but it was hit 12 times and lowered my score from XXXX to a XXXX. I then bought the car and had a payment due XX/XX/XXXX, I never got a statement from the finance company until XX/XX/XXXX, with a late payment and with interest adding up, I still had gotten no tags or tittle and my car went without tags until XX/XX/XXXX or so, meanwhile I had a late payment on a car I could not drive, the dealership did nothing, I was 80 miles from them so I was n't able to go and make a scene. I am extremely upset but feel I have no options, so here I am so hopefully no one else does this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax was hacked, and my information was listed as potentially compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Mortgage (VA mortgage) with GUILD MORTGAGE COMPANY (CA).
Issue: Trouble during payment process

Complaint: my name is XXXX XXXX. I am in desperate Need of emergency assistance. My friend of 18 years XXXX XXXX XXXX is and continues to be abused, punished, tortured, manipulated -- and illegally slowly forced to XXXX I am a XXXX -- currently unable to pay for renewal -- my friend XXXX is an XXXX -- who is a XXXX veteran a XXXX man with 20 years -- and a former postal XXXX of 20 years is being forced to die. I physically went to elder abuse and social services -- to report that his son XXXX XXXX XXXX and his daughter XXXX XXXX XXXX with her boyfriend XXXX XXXX are forcing extreme abuse. They have committed fraud through his home through XXXX and XXXX XXXX -- WHO ARE CONTINUING TO ABUSE ME THROUGH A PROPERTY I OWN IN XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX -- this is severe fraud that property through my XXXX  XXXX XXXX XXXX and XXXX my sister and theft and fraud please help me and XXXX I am at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX being forced to die illegally also through utility and gas control -- the police and courts are involved in the fraud please help severe theft throught phones, mail banking etc,

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: USAA credit card I did a cash advance of {$100.00} onXX/X/2015. Have contacted USAA credit department several times to request to pay this cash advance back they refused. I have a separate charge for cash advancye on my bill, they say I have to pay the entire balance of credit card before they will allow me to clear the cash advance. I have been charged {$52.00} every month since XX/2015 that 's {$960.00} for an advance of {$100.00}. Also {$52.00} a month is excessive for a ' {$100.00} debt. THIS IS PREDITORY CREDIT PRACTICES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Billing disputes

Complaint: In XX/XX/XXXX, my husband passed away after a 3 month hospital stay. Not long after, I was inundated with medical bills, as well as I was working with his attorney to dissolve his Chapter 13 bankruptcy that was filed in XXXX. It was a very painful experience but after several months every creditor was notified of his passing, death certificates were sent, and I was able to begin the grieving process. In late XXXX I received a call and a letter from Portfolio Recovery. I explained to them the situation and they told me the account would be closed. In the last 24 months since then I have received numerous calls and letters from Portfolio Recovery. I have asked numerous times for verification of the debts they have for me and they have yet to provide me the information despite the fact that they have my mailing address. This has also been reported my credit report, and while it does show disputed, there has been no effort to provide proof of the debt to have this corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Sent by certified mail on XXXX a dispute request to XXXX regarding some information that is being erroneously reported on my Bureau. I have requested several times that i be supplied with specific Method of Verification information as it relates to public records in my file. On XXXX i received an email stating that my disputes were pending outcome. On XXXX, i received an email from XXXX  saying there review was complete and that the information on the report was verified with the court and updated. I supplied XXXX with a letter from the Federal Bankruptcy Court for this district stating " The Clerk 's Office does not provide information to credit reporting agencies. '' With their investigation, they did not supply me with specific information as i requested. Name of person spoken with, telephone number of said person, address, date of conversation. Nothing at all. I called Experian on XXXX to inquire about the investigation and spoke to a gentleman name XXXX from XXXX XXXX. He informed me that they could not send me the specific information regarding the method of verification and that a third party vendor that they use to gather the information does it in an automated fashion. That does not conform to the FCRA guidelines. He further stated i could not get any information as it pertains to that. I was told that i would get a call back from a supervisor so that he could explain to me why i was not going to get the information that i was requesting. Report number is 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 06/20/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Pioneer credit recovery has been harassing me via phone with non stop calls. They are calling my job discussing my debt with people on my job and call people at home, They are calling the human resource director at home and now I may lose my job. Please help. My name is XXXX XXXX. Student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Managing the loan or lease

Complaint: XXXX/XXXX/2016 Bank of America credit card statement. As soon as monthly statement cut on XXXX/XXXX/2016, I electronically scheduled to pay the minimum payment as presented on statement. I did not know what the minimum payment would be until after the statement cut on XXXX/XXXX/2016. Bank of America applied this XXXX/XXXX/2016 payment ( posted XXXX/XXXX/2016 ) to the XXXX/XXXX/2016 statement even though they previously applied a XXXX/XXXX/2016 minimum payment to this statement and after the XXXX/XXXX/2016 statement was cut. Why would BofA apply a second minimum payment to a statement that had already been cut? Why tell me what the minimum payment is for next minimum due before they are ready to apply payment to appropriate statement??????? My conclusion - CEOs & CFOs lay awake at night scheming to rip off customers next day. This is a prime example. Even though they did credit late fee charge, now my new minimum payment due is {$45.00} " past due payment '' plus current {$44.00} for new payment due of {$89.00}. I have asked for a corrected statement to no avail, even though XXXX customer service reps including a supervisor told me one would be sent. Preposterous. And banks do not understand " lack of trust '' in financial institutions. I feel like the bank has committed fraud against me even though I had to talk to their fraud department to get the " late fee charge '' reversed. 

How can it be that BofA can tell me what the minimum payment is before BofA can apply an online payment for that minimum payment due?????????????????????????????????

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 08/13/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX credit bureaus are not reporting XXXX account from XXXX XXXX that was already paid in XXXX of 2015 that is affecting very badly my credit. In my latest credit report of XXXX/XXXX/15 they still reporting incorrectly the account as bad debt and charge off as bad debt. Attached is the following : 1-the proof of payment settlement. 2- is the information that is being reported by the XXXX credit bureaus. This complaint is against EQUIFAX credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Debt collection (Other debt) with Armcon Corp (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: XXXX XXXX XXXX obtain a judgement without my knowledge, my due process was violated. XXXX claims I was served 2 times, both to different individuals that do not live at the address or do not excist, eventually XXXX petition for a clerks judgement and got it, all without me knowing of a court date. Or a chance for me to respond to the summons. When I recived noticed of this judgement I contacted XXXX XXXX XXXX to discuss and even offer to settle, XXXX, the owner was very unprofessional and threatening he said if I tried to fight them he will continue to add more attorney fees to the account, this account was from 2012 from a XXXX XXXX XXXX when I was in the XXXX   academey. It's a fund XXXX county provides XXXX   to help during the first couple of weeks of training due to the extended wait for our first pay period, I was hurt during my training and had to drop out, I was told I didn't have to repay the debt since I was out due to injury.overall this collection company violated my rights and defrauded the courts in order to get a judgement on me an damage my credit rating, I also hold a government XXXX XXXX with my employer this is threathing my job as well can you please look into the type of business these people run, I have read many complaints on this company and their shady business practices and how they have victimized many other people the same way

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Rewards

Complaint: I applied for a Citi Gold Checking account with a sign-up bonus for XXXX AAdvantage XXXX XXXX miles. I confirmed via instant chat on their website as well as over the phone that I was eligible, targeted, and had met the spending requirements to earn XXXX AAdvantage XXXX XXXX miles to be credited to AAdvantage account XXXX. They took my AAdvantage account credentials and should therefore already have this information. My husband 's complaint has been honored, and I was told to reply with another CFPB complaint of the same nature.

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 04/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a public record judgement reporting on my credit file and it is not mine. I have requested the removal many times and they have not removed it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Since falling victim to the XXXX, XXXX XXXX, Experian, and several other data breaches I have been unable to obtain my report and dispute anything on my report online. I only receive a message asking me to contact someone at the reporting agency. I would like to have my report unblocked as it has been more than 5 years since these breaches and I am in the process of repairing my credit. The inability to dispute online is hindering my progress tremendously.

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 07-12-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NY).
Issue: Trouble during payment process

Complaint: The first incident started on XX/XX/XXXX when {$840.00} was removed from my escrow account for the payment of homeowners insurance, however on XX/XX/XXXX {$930.00} was also removed for the payment of homeowners insurance. Obviously 2 payments were not necessary, it took approximately 1 month for Citimortgage to correct the problem and return the additional funds that were removed. All the while leaving my escrow account with less funds than it was supposed to have. The second incident occurred onXX/XX/XXXX and XX/XX/XXXX, when PMI in the amount of {$170.00} was erroneously removed from my escrow account. They had already removed the {$170.00} for PMI on XX/XX/XXXX which fulfilled the amount needed for the month of XXXX. I filed a " complaint '' regarding the extra funds being removed and have yet to have the money returned or given an explanation as to why after 13 years of having PMI, it was taken out more than once this month. I have grown tired of having " shortages '' in my escrow account due to the continued mishandling of my account. I urge you to look further into the errors being made by Citimortgage.

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX. appeared on my Transunion credit report. I am disputing this inquiry and requesting documentation regarding a third party 's access to my consumer credit report pursuant to the permissible purpose provisions of the fair credit reporting 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 03-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The City of XXXX charged had a balance due of {$77.00} but Fidelity Credit service charged me over a XXXX % penalty for using them as a debt collection service for a total of {$100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation