milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-02-2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have a caharge off with XXXX, when in reality the amount charged of has been added to my Mortgage total.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (Private student loan debt) with Ability Recovery Services, LLC (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX was listed as a creditor on my credit report as a debt collector for XXXX XXXX in the amount of {$1000.00}. This account was challenged and deleted from my credit report. In less than 30 days this account was picked up by Ability Recovery Services , LLC. I DO NOT believe that XXXX XXXX had adequate time to resell/retain this account to Ability Recovery Services , LLC who claim that they retained this account from XXXX XXXX. <P/>I am requesting that the new creditor : 1. Submit to me validation to prove that XXXX XXXX has retained them to recover the amount they have listed now as {$1100.00}. Including an itemized bill detailing line by line fees and interest. 2. I am also requesting that Ability Recovery Services , LLC provide proof they have not received this account through XXXX XXXX or XXXX. 3. I request names and address of all to whom they contacted as well as date and time. I will be following up on this correspondence directly. 4. I request that Ability Recovery Services , LLC provide to me their legal licensee number as a registered collection agency for the State of Maryland to be checked through the Maryland department of Labor, Licensing, and Regulations system.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Debt collection (Other debt) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: We paid this debt to XXXX. We paid XXXX XXXX for account # XXXX, Reference number XXXX, in the amount of {$120.00} Last Year. It might have even been the year before. This company, ERC, keeps sending us letters to collect the debt. I've called them to try to clear it up, but they keep sending me letters. What can be done? We do not owe XXXX Any money at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (Auto) with Investment Retrievers, Inc. (AL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Investment Retrievers has been talking to my wife regarding my account. According to Alabama law, debt collection agencies should not talk to spouses. 

Investment retrievers has talked and negotiated settlements with my spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (IL).
Issue: Managing the loan or lease

Complaint: XXXX continues to report accounts on my credit report every month as late and the following accounts are not active. I have disputed with XXXX to STOP reporting false information on my report and they continue to report false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: SinceXX/XX/XXXX, I have sent numerous certified letters to all three major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full inXX/XX/XXXX. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : EQUIFAX : a ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXX Acct No. XXXX Sometimes betweenXX/XX/XXXXto XX/XX/XXXX, XXXX XXXX claimed I had an outstanding debt of {$2500.00} and misrepresented to the major three credit bureau ; in which I disputed. I was not aware nor did XXXX XXXX advised of the outstanding debt! The 60 months term commenced inXX/XX/XXXX is a clear violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Please demonstrate that the following inquiry appears correctly on my report : XXXX XXXX XXXX, XX/XX/2018. Otherwise, remove, in accordance with my Federally protected civil rights.

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 10-03-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I keep applying for a dismissal and first they lost my paperwork and said it was n't in the system. I applied again and was turned down because my XXXX letter from social security said my review was every 3 yrs not XXXX plus years. I 'm a XXXX XXXX patient. I also sent in my income which is XXXX a month. I was told by XXXX if I get a part time job I 'll loose my Medicare. My meds are over XXXX a month. It took me 3 yrs. To get my Medicare because of my age. I 'm on XXXX XXXX. I also went to XXXX. That school closed long time ago. I 've rejected XXXX and XXXX I 'm fighting for my life. I ca n't pay this loan at all. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (I do not know) with RGS Financial, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX is listed as a debt collector on my credit report. I have no idea what debt is being reported. I do not owe anything to XXXX and have not received a debt validation notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX we went to seek help to save our home thru a modification with an organization called XXXX. My husband and I were told this was a NON-PROFIT organization but as we discovered, it was far from Non-profit. We were asked to pay {$1000.00} to {$1500.00} a month and did so for the next 2 years. We never received our modification and our home is scheduled for foreclosure on XX/XX/XXXX. This is a Wells Fargo Loan and we told them we were victims of FRAUD, they stated they did not get involved with 3rd parties. We are currently in for a modification but struggling to see a good result as now the bank has scheduled a foreclosure and says we are still under review for a modification. I was under the understanding that a foreclosure could not be initiated if you were in for a modification, but that appears to not be the case.Please note : within my attached documents ( document scan # 3 ) is an authorization to please contact XXXX  XXXX with any correspondence and she can be reached at XXXX or via email : 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Equifax hack has put my identity at risk and I am now in danger of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: AMEX accepted a charge from a merchant against my account. I disputed it, as the merchant was a third party ( XXXX Mortgage ), did not have my authorization to charge my account, and the party that I had a relationship ( XXXX ) had indicated to me that no charges would be made, partially due to malfeasance by the third party and its agents. To respond to the dispute, the third party provided written documentation to AMEX stating that they were a telemarketing firm and had to charge people to stay in business, and provided a copy of my agreement with XXXX as proof. AMEX accepted that assertion as proof and closed the dispute. I fail to see how either was adequate. AMEX has since just told me that they really do n't process the dispute - it is just if they receive any response, they close it. Since AMEX closed my dispute, I have been fighting with AMEX to get them to look at their dispute process as the XXXX XXXX had no standing, and their accepting the charge and closing the dispute, when they were provided written evidence that they third party had no standing, were both evidences of broken processes within AMEX. I 've spoken to many CSRs and supervisors in card services at AMEX, and they all claim that there is no way to flag a call to have this matter looked into, there is no internal audit or internal controls group at AMEX, there is no Executive Customer Resolution center to escalate to, and all just basically dismiss my concerns. One call wen tot XXXX, but language difficulties prevented me from even getting them to understand the problem. XXXX call did get escalated to Fraud in XXXX, but they explained that they are n't really Fraud they are only set up to deal with Identity Theft. Based on this experience and other recent issues with them, I am in the process of closing a thirty-plus year relationship with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/23/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am not the XXXX XXXX they re looking for. they keep calling day and night XXXX days a week!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: We have an adjustable rate mortgage that is serviced by Wells Fargo, that is owned by XXXX XXXX, that is not eligible for the HARP program. It was sold to XXXX XXXX during the time of the banking industries questionable tactics causing the banking " crisis '' in 2008. While the FED has not increased interest rates and mortgage rates are in fact going down still, Wells Fargo has increased our interest rate. We are not behind in payments but it is difficult to afford this rate increase every 6 months. We have been contacted by loan officers from Wells Fargo stating that they can convert the mortgage, we go through all of the paperwork required, for them to tell us that since they only service the mortgage they can not help us. We have tried this several times with different loan officers at Wells Fargo. We are at least {$45000.00} underwater in our house due to the housing crisis with little hope of the value of our home going up to what our mortgage is. We are not behind on our mortgage, we just want some assistance to get out from this horrible mortgage for a home that will never be worth what we paid or what we can sell it for. We are XXXX and would like to retire in a few years but will not be able to retire while we have this mortgage. We do n't want to have to walk away from our home either, but if retirement is in our future that may be what we have to do. No one at Wells Fargo is willing to assist us with our situation. We have tried to refinance the amount but no lender will give us a mortgage for the amount of our current one since the value of the house is so low. My husband is a veteran and we ca n't even get a VA Loan which he qualifies for because of the value. XXXX is still in bankruptcy and will be forever considering the case is constantly being continued.

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 01/18/2017 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Making/receiving payments, sending money

Complaint: I have an auto-payment set up with Capital One bank, for one of my credit cards. This month, they did not take out the full minimum payment, and they charged me a late fee on the date that the payment way due, right after the payment was made ( {$100.00} instead of {$150.00} ). I was never notified of this, and only found out by happening to log into the website, to get the current amount on the card, while balancing my budget. 

After calling Capital One I am told that their policy is to not notify customers of issues with accounts until the statement comes out. The problem is that the statement comes out 4 days after the due date, and the fees are added on the due date. This makes it near impossible to correct any issues on time, when they need to be corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I spoke wit h a Chase c ustomer service representative on  XXXX   XXXX ,  2017  or so regardin g my Chase Sapphire Preferred card. I told the representative that I wanted to close my account and asked about a refund of the {$95.00} annual fee. He told me that the {$95.00} annual fee had no t yet been paid and that it would be automatically be withdrawn from my bank account on the due date for my most recent statement which was  XXXX   XXXX ,  2017 . He told me that I had 30 days from  XXXX   XXXX ,  2017  to close the account and obtain a refund of the {$95.00} fee. I said, OK and decided to give myself more time to consider closing the card. On  XXXX   XXXX ,    2017  at approximately  XXXX    XXXX   EDT, I spoke with another Chase representative to report  XXXX  fraudulent charges on the card and decided at that point to close the card rather than have her reissue the card. She closed the card and transferred me to customer service regarding the {$95.00} fee. The representative to whom I was transferred told me that I was eligible to receive a refund of the fee and that I would see the refund on m y account within one to two billing cycles. I asked how, if the account was closed, they could refun d the fee to that account. She said the refund would post to the account even though it was closed and that I could then request a check or have the {$95.00} credit transferred to another Chase card. Today,  XXXX   XXXX ,  2017 ,  Chase sent me a secure message telling me that I will not receive the refund. This is unacceptable. Chase representatives twice told me that I would receive a refund and I expect Chase to honor the statements made by their own reps. Phone calls to Chase representatives are recorded and I expect that what I am saying can easily be confirmed by listening to the recordings. Also, please be informed that I intend also to record all of the calls I make to Chase from now on .

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I signed up for an XXXX XXXX XXXX XXXX card in late XXXX under the offer of XXXX bonus miles and {$100.00} statement credit. I was instantly approved. After the card arrived I noticed it was downgraded to the XXXX platinum plus instead of the XXXX signature of which I applied for. The platinum plus version has more rules and less benefits/rewards which I would have not applied for otherwise. 

Why the bait and switch Bank of America? If you could not approve me for the XXXX signature why not just deny my application instead of these tactics. All it does is frustrate the customer and make them not want to use BoA at all anymore. The XXXX signature and Platinum Plus are different products with different rates, fees, benefits, terms.

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 08-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX, Countrywide sold my mortgage to your company. My payments were extremely high. I called the making home affordable hotline and we talked with a customer service representative with BOA. We discussed my options, and decided that a modification would be a solution. It was explained that documents would be sent to me to apply for permanent XXXX modification. The documents were sent to me via XXXX. The documents required me to get those documents notarized. I took those documents to my local bank XXXX XXXX XXXX and had those documents notarized by their notary. I then sealed those documents in front of the notary inside the return envelope that was sent to me by BOA. This documents was sent back via XXXX. 
Over the years, I have made several requests for BOA to send me the original contract of the first modification from XXXX. I was always told that you had those documents, and would send me a copy to look at the terms. I have never received a copy. I would like to see where the original contract stated that my modification would only be for five years. I was told that my modification was a permanent XXXX modification in the beginning, and that is what me and the XXXX counselor discussed with the customer service representative. 
On XXXX XXXX, XXXX, I received documents form BOA. Those documents did not include the modification loan contract from XXXX. BOA only sent an explanation of what the terms were. They also sent records of my payment history which show consistent payments throughout the life of my mortgage. My mortgage did not get in delinquent until the terms of my modification changed from a XXXX monthly payment to a {$1300.00} payment after a five year period. I applied for a another modification in XXXX XXXX and my payments went up even higher to {$1300.00}. I was told that it was based off my gross income and nothing else. However, back in XXXX ; I had basically the same gross income as I did in XXXX and in XXXX, and under the first modification my payments were {$720.00}. A modification can reduce your monthly payments and help you catch up with payments, because BOA was able to do that with my first modification loan. 
Lastly, I have been calling BOA to speak with the Home retention counselor who is assigned to me, and I have left messages and my call back number. I have not received any response at all. I was following the instructions in the letter that was sent to me from BOA that stated to call the home retention counselor because they had things in place to help ; such forbearance options etc. No one had gotten back with me even though I call daily.

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
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: On XXXX/XXXX/XXXX I made EXPERIAN aware of an account that was the result of fraudulent activity. They responded to my complaint by advising me that there was no action for them to take because the account did not appear on my credit report. I have reviewed a recent copy of my credit report and the account has been displaying since 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 11/26/2016 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Other

Complaint: I was a signer on a corporate credit card, ( American Express ), for a company that I worked for, however, I never signed or accepted any kind of personal guarantee. The company became insolvent and was dissolved by the state trustee. I have explained this to American Express and they refuse to remove this record from my personal credit. I have asked them to provide proof of the guarantor, which they have refused to provide. This incorrect reporting has cost me time, money and has negatively affected my profile for years.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Consumer Loan (Vehicle loan) with CASHCALL, INC. (CA).
Issue: Shopping for a loan or lease

Complaint: This dispute is with Cash Call Check Cashing /XXXX XXXX CA XXXX. I had a payoff amount of XXXX. 
I the co- signer was in a serious car accident XXXX/XXXX/2014 and the car was a total loss. I was the co-signer on the account. The insurance Co. and Gap Insurance Co. paided the car off which left a balance of XXXX, in which I owe XXXX. The company is refusing to write off the balance on my credit report until the XXXX of interest is paided off. This is rueing my chances on getting another car. Before the car accident I loss my XXXX XXXX 2014 and fell on financial hardship as a co-signer I was trying to work out a two month deferment for XXXX and XXXX 2014. The customer service agent I was dealing with was threating and rude only worrying about getting the payment instead of working out a deferment or giving me any help. Just giving me the run around, delays, and had no intention on giving me a deferment. Half of the reason why I had the car accident was stress from the harassment for payment. I was hounded by this company calling me even after I answered the phone, pleading with them for help, ( mind you I was only two months behind ). They called at least 5 times a day with threats and rude staff whom contacted me. The company did not even give me credit for the payments I had already made on my credit report, in which I found this out when trying to purchase a car, The car company showed me the negative marks on my credit report. this is when I out found what kind of company I was dealing with., this is a Check Cashing Company, which after dealing with this company for the few months they were very rude and unprofessional.

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