milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: on XXXX/XXXX/2016 I filed a dispute with Equifax credit reporting agency over an item XXXX company inaccurately reporting on my credit report and I asked that the item be removed if the company is not going accurately report it. that was not done in fact the company did not respond at all and in fact Equifax gave them an extra week to respond and instead of following my request Equifax decided to update it on their own and not remove it as requested. the law states that if the creditor does not respond in allotted time which is 30 days and 21 days in Maine the item shall be removed from the credit report. Equifax did not do that, when I called and confronted them about the error they looked over my account and refused to remove the item saying they updated instead. which by law they can not do, they have to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: 1st I submitted a dispute as " not mine '' the information came back as verified. After reading information on the internet ( dangerous, I know ) I came across the FCRA 605 ID theft request for block. Armed with knowledge I promptly went to the local police department and fill out a report in relation to Id theft ; I then filed an FTC affidavit. after all that work I was ready to tackle XXXX once more. I bundled all the information and sent it off! 4 days later received this ... Results Of Your Investigation ( For your security, the last XXXX digits of your credit account number ( s ) have been replaced by * ) XXXX We have reviewed the current address. The results are : The current address has been added/updated per the information you have supplied. XXXX We have reviewed your concerns and our conclusions are : Please be advised that Equifax , at this time, will not block the information subject to the submitted identity Theft and/or police report you provided as part of your dispute. We are contacting each creditor directly to verify The account/s on your behalf. We will also forward a copy of documents you have provided to each creditor for their Review.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In or around XX/XX/2016 i opened a credit card with td bank i moved away from my home that same summer so i was still receiving mail to my old home however i made every payment by mail td claimed they never recieved it 6months later a representative called me and told me i had an outstanding balance and they never recieved a payment i told the rep although i am out of work i always made sure i sent my payments in so i made the payment right away with the representative through my checking account i asked the representative if these non payments were sent to the credit bureau Wich can damage my credit the rep stated she will have these late payments removed so it wont effect my credit because i made a payment upfront of XXXX $ and it was an honest mistake and miscommunication with td bank and myself however here i am almost 2years later now suffering of bad credit because of 6late payments that has been reported to the credit bureaus by td bank and they refused to remove it even though all my payments are current and i am working on Paying them off and there representative said they will be removed i tried everything i can possibly do in my Powerss to have them removed i disputed it with all credit bureaus XXXX XXXX   XXXX you name it i hired XXXX XXXX i called td bank a million times they told me no error was fount requested a supervisor 3times and they told me i will recieve a call in 24 to 48 hours all 3times never recieved not one call i requested a goodwill adjustment they refused i dont want to take legal action they suspended the account Wich is fine i dont care about that they can keep the suspension on the account but i need the late payments removed something has to get done this is unfair if anyone takes a look at my credit report i have 5credit cards not one late payment besides td bank the worse bank by far anyone who just neglectfully not make payments should be punished in this way

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Have previously requested to lower monthly payments but have not successfully been able to do so. My monthly payments have only increased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Williams & Fudge, Inc (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am writing this through the CFPB so there is record of this communication. I am claiming this debt is not one I owe and I will go to court over this appears on my credit, I am already taking the credit agiencies and XXXX companies to court and I doubt my lawyer will turn down adding XXXX more company. There are XXXX reasons I do not owe XXXX XXXX XXXX any money, the first reason is that I withdrew from the college within the time frame allowed to cancel a contract making it void and the second reason is that XXXX XXXX XXXX never informed me that they were closing schools down due to lawsuits and even under investigation for the same degrees they offered at this school. Is it not the duty of an institution like a for profit college when they are closing schools for a degree I was going to attempt. I never received a single bill from XXXX XXXX XXXX notifying me that I owed anything or I would have tried to deal with them but now I am dealing with you since you are representing them. I will have no give in this issue, drop it for the reasons stated or we go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: In 2016 Wells Fargo created an " unapplied '' funds account where they took my checks that are marked " escrow only '' and deposit them is a non-descript account. They took checks that are marked Mortgage " principal and interest only '' and liquidate them in this mysterious account. Money then flows out of the account without any documentation of how much money was taken out of the account, where it was applied, what the balance was before or after money was moved in and out of this non-descript un-applied funds account. I can not tell from the lack of documentation where money is going or follow any paper XXXX. If it is being applied to escrow, then there needs to be itemized records indicating each entry. If it is going to principal and interests, then likewise, there should be itemized entries. Clearly Checks marked escrow should go to the escrow, and checks to pay the mortgage principal and interests should do exactly that. If there is a shortage then I should be notified with the correct payment options. 
In keeping with XXXX XXXX, I am asking Wells Fargo, to supply an " un-applied funds '' accounting ledger for the 2016 year that shows the input and output accounting, the checks by number that they liquidated into that account, and what fines, fees or transfers were made to/from that account and what when to pay what? I would also like to see a copy of the amortization schedule with a comparison of where the VA closing statements indicate where we should be at this point and where Wells is actually at in reference to the amortization schedule. 
I am asking also that the requested accounting be attached to the replay here at the Consumer Financial Protection Bureau, along with a copy mailed. - Thank you

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 04-06-2017 about Credit card () with WELLS FARGO & COMPANY (AZ).
Issue: Billing disputes

Complaint: We booked a hotel room at XXXX thru XXXX and when we got to the hotel long story short the rooms electrical outlets did not work and the room was dirty housekeeping never came to our room until the day we checked out. There were personal item left in the room from the previous guest so its obvious that the room was no cleaned correctly. While at the XXXX we complained and were told that they could not refund our stay because we booked thru XXXX and were told to contact them for a refund. I tried contacting XXXX and got no response until I filed a complaint with BBB and was quickly contacted and I was told that they had contacted their XXXX contact person to get us a refund as its up to XXXX to refund us for our stay. So again I contacted XXXX and they were very polite and explained that we booked thru a third party and that they do n't receive the money. That XXXX is the only one that can refund our stay charges and they agreed I should receive a refund and that if I had booked thru them they could and would have given me a refund. Left with no alternative I filed a dispute with the bank and my dispute was denied. The services that we paid for were not what was advertised and I feel I have bent over backwards trying to get this issue resolved. XXXX out right lied to me regarding the situation. I feel that my banking institution should be able to help me correct the wrong that has occurred and now they have let me down as well. The charge was processed as a credit card transaction and I should have a right to dispute.

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 12/29/2017 about Debt collection (Mortgage debt) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX I filed for Chapter XXXX Bankruptcy. I successfully completed my chapter XXXX bankruptcy in XXXX XXXX. Shortly after my discharge, I got a notice from Bayview that I was 229 days delinquent on my mortgage and the amount due to bring my loan current is {$16000.00}. I disputed the delinquency amount and I found out that they have my account in suspense. I contacted my lawyer who then wrote to Bayview to remove my account from suspense and credit my payment accordingly, but Bayview did not do that correctly. On the Post-Petition Ledger from Bayview Transaction date, XXXX/XXXX/XXXX amount received {$11000.00} this payment was not applied correctly. 

I also told them that if I had missed a payment while I was in bankruptcy, they were by law supposed to call the bankruptcy court as well as my attorney to report me and that they were in violation of the bankruptcy code. Since then, I have been trying to deal with them. They sent me an application to apply for a loan modification, making home affordable to avoid foreclosure. I accepted the offer and I applied for a modification. I submitted all the necessary documents as requested. Three months later Bayview denied the modification stating a Negative NPV- that the owner of my loan did not approve a modification. 
They gave me alternatives to pre-foreclosure or Deed-in-Lien. Bayview tactics are unethical and illegal, they are making it very difficult for me so that they will foreclose on my house and make money.This company is just awful, does not record all payments, even though the checks were cashed and I have proof from my bank Attached are my correspondence to Bayview and the Post-Petition Ledger from Bayview showing all my payments.This company is just awful, Bad COMPANY TO DO BUSINESS WITH. A lot of negative complaints about this company, they have destroyed a lot of families. See attached compliant. 
https : //www.consumeraffairs.com/finance/bayview-loan-servicing.html? page=2

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Claim ID. # XXXX Transaction Ref. # : XXXX Name : XXXX XXXX Acc. # Visa ending XXXX My name is XXXX XXXX. I am a bank of America XXXX XXXX XXXX Card holder for the past two year or so, I have filed a dispute about the outrageous charges made by XXXX XXXX XXXX XXXX in XXXX XXXX which I noted on my Visa Credit card ending with the XXXX. The charges in Amount of {$1000.00} posted on XX/XX/XXXX by the XXXX XXXX XXXX XXXX My dispute about this outrageous charge by XXXX XXXX XXXX XXXX on my Visa Credit card is as following ; 1-The rental car reservation was made online & the Total amount of rental car fees of {$290.00}, was paid in full on XX/XX/XXXX with my Bank of America XXXX XXXX XXXX credit card, And the rental car insurance which is an obligatory requirement in XXXX was confirmed to be covered by my Bank of America Visa Credit card. No additional fees were supposed to be added later on to this charges. 

2-On XX/XX/XXXX, while backing up in the parking lot at the hotel, where I was staying, I hit a tree with the rear bumper of the car causing a 4 cm superficial scratch mark WITHOUT ANY DENTATION or DEFORMITY OF ANY SORT. A paint only scratch mark on the right side of the rear bumper. I brought the pictures of the rear bumpers scratch marks to two separate car repair shops ( Car body Shops ) in XXXX, where I received an estimation of required repairs mounting to only XXXX Euro ( Depending on exchange rate just about XXXX $ ) cost of repairs. 

I was charged on my BoA Visa credit Card, {$1000.00} for the minor superficial paint only scratch marks on the rear bumper to be outrageous, for which two estimates by two separate car body shops in the same city ( XXXX XXXX ) are just about XXXX Euros, which is less than one tenth percent of the XXXX XXXX XXXX XXXX estimation for the same repairs. 

I wrote repeatedly to the bank of America Visa credit card to dispute this outrageous charges due to : 1-Extremely high charges for a minor superficial paint damages to the rear bumper of the car 2-XXXX XXXX XXXX credit Card from Bank of America which I used to pay for this rental car, is according to the credit card agreement is responsible & should be covering the Car rental insurance for my purchase. 
But the Bank refines to address my concerns & keeps telling me that they did not find any dispute & I am responsible for this damages.

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 09/22/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: navient refuses to work with me in repayment, I was on an IBR plan and was able to maintain my monthly payments for a few years, then when I tried to reenroll in the program I had to submit pay stubs and bank statements, then was told I did n't qualify for the program and the only other option I have is autopay of {$420.00}. I can not afford this and repeatedly told them and a manager, only to be told " it does n't affect them '' I am able to afford up to {$250.00} but they refuse to do anything to help. over the last 8 years they have added an additional XXXX to my loan because they have refused to work with me during difficult times and unemployment. I am ready to just default and say forget it rather than, give them all of my money and live in poverty due to student loans. I NEED HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Credit card) with Malcolm S. Gerald and Associates, Inc. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: This company called my cell phone ( XXXX ) and left a msg on XXXX/XXXX/15 to return their call. Then they called my house phone ( XXXX ) a few minutes later and my wife answered. 
A women named XXXX XXXX asked my wife to take down her information and have me call them back. She stated she worked for an attorney and that I owed a debt from a XXXXcredit card account. My wife quickly googled this firm and found fraud allegtions and many complaints about them. 
After careful research we have found they are not attorneys, which is a violation of Federal and State Law, and have found they are not licensed to collect in the state of MA. 
I called the telephone number she gave my wife and a XXXX XXXX answered. She asked for my name, then she stated that I owed the debt a for a XXXX credit card. 
I then I asked her to send me documented proof by mail. She replied with " are you denying that you owe this debt? '' I said " no, I am asking youto send me proof.? This went on for a few more minutes and I just hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I recently had several unauthorized ATM transactions show on my Santander Bank account. There are still 2 transactions that have not been refunded. {$800.00} on XX/XX/XXXX and {$150.00} on XX/XX/XXXX. Now, I contacted them by phone via relay service ( Im XXXX  ), and the call got locked up near the end. So Im not sure if my dispute was actually filed or not. I decided to communicate through the CFPB instead of relay service so that its on record.

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 03-10-2017 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Cashier did not key in my name correctly during the application process. She used my middle name as my first name and my first name as my last name and yet Synchrony Bank approved the application. When I caught the error, Synchrony Financial Credit Services made other errors and I never received the card. One representative verified my personal information on my account, did not document her code on the file as having access to my to my records, and kept me on hold for 1 hour playing the " music '' refusing to allow me to speak with a supervisor. I used my cell phone and allowed another supervisor to hear their music on my landline phone. I consider this abusive of power, invasion of confidential information, r and failure to properly document access to my account. I have been waiting for two week to speak with an executive about this. No one has called ; thus, I have closed my account and requested the positive credit in the form of a check. Each time that I call customer service, I am told something very different. The integrity of my account had been compromised. Weeks have passed and the Executive Office of Synchrony Financial Credit Services has not called me.

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 12/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I found a collection for an old utility bill that was paid several years ago. It was reported by Transworld Systems on XX/XX/XXXX. I never received notice of this collection to be able to dispute. I spoke with several people at the collection company, XXXX telling me that they showed the debt had been paid in XX/XX/XXXX. A supervisor told me they were mistaken. When I asked them to remove the collection from my report and send me documentation on the debt, I was told that it was a process and would take a while to resolve. 
I spoke to the original Creditor XXXX ( Who I still have an account with ) to address, they told me they did not know why it was reported, they showed no open collection account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Bank account or service (Checking account) with M&T BANK CORPORATION (PA).
Issue: Using a debit or ATM card

Complaint: My debit card was stolen on XX/XX/2017 On that same date, a total of five unauthorized ATM transactions plus the fees in the total amount of {$1000.00} were taken from my account. I reported the stolen card to M & T Bank the next day and reported these fraudulent transactions. 

After giving me a " provisional credit '' in the amount of {$1000.00} to my account, the M & T bank abruptly denied my claim on XX/XX/2017 and re-took the sum of {$1000.00} from my 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 01-11-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Paid in full and account was closed in XXXX. This account is 7 years old and must been removed.

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 09-07-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have dispute the appearance of a collection on my account repeatedly that is not accurate and I am getting frustrated by Portfolio Recovery contacting me, calling me and my family members and sending me letters regarding {$2400.00} that they think I owe them. I do not owe anyone anything, I have node how or where they relied this sum since all of my cards have been settled with the original companies. I mean this is so old and I can not imagine how and why they continue to pester me. I have asked them to stop and they have refused and I have asked them to stop ruining my credit and they refused. I am certain these unlawful practices are punishable by law, the state of limitation is far exceeded here with these collectors. My concern is if I settled all of my debts and continue to make payments why am i being double billed buy this company? Who are they? I even disputed the validity with the 3 bureaus and requested a validation of debt and nothing was provided. They did not even update the acorn too show I was disputing it. Please investigate this and have them remove their erroneous account from my credit profile. this is getting alarming!

Company response to consumer: Closed with explanation