milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: Several years ago, I opened an eBanking account with Bank of America. I was told that the account did not have a monthly fee if I conducted all of my transactions on-line or by ATM. I noticed a $ 12 monthly charge on my last bank statement and I called the Bank to inquire about the charge. Bank of America told me that my account was changed because it got rid of the eBanking account. I did not receive any notice of this change or the charges. I think it is unfair that the Bank can change the type of account without providing notice of the change ; potential charges ; and time for the consumer to either switch banks or bring the account in compliance with the new account requirements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2018 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: Account status incorrect

Complaint: Hi on my credit report there are information regarding my mortgage which is showing missing or late payments at that time i was going through loan modification, Now that was past, modification is done, but late payments are still showing on my credit report and its hurting me a lot and it keep me getting a car loan or anther credit card

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: As of today X/XX/2017 equifax has updated 2 closed account without a 5 day notice and to make it worse they are not mine and need to be removed because it is effecting my credit! I have sent out notice before and they keep udating inaccurate i formation and not making aware of what they are doing. XXXX XXXX and XXXX XXXX XXXX and trust were closed because they werw not mine! I want valadation of these with my signature. Which will be none and then promptly delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Requested credit report from TransUnion. Upon receipt of report, found XXXX items ( i.e., liens ) on the report which did not belong to me. I obtained copies of court records showing that the XXXX liens reported by TransUnion on my credit report were not mine but, rather, they were liens belonging to other individuals. I contacted TransUnion and filed a dispute, file # : XXXX, with them. I also faxed to TransUnion the copies of court records showing that the liens were not mine. Nevertheless, TransUnion removed only XXXX of the XXXX erroneous entries on my report. To make things worse, TransUnion instead deleted a positive record from my record ( a bank loan, " never late '' and paid off ). Are these people idiots?!!!

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 10-05-2017 about Debt collection (Medical debt) with HOVG, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have submitted multiple requests to have this item removed as I did not authorize the original creditor to share my personal information with this company. Per XXXX law it is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Credit Network Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A company Financial Credit Network bought a debt from XXXX XXXX stating I owe {$120.00} on services that I did not render. I will fax over my police Report with a this complaint by fax.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In XXXX of 2017 I applied for a XXXX XXXX Credit card and got approved. After I was approved I purchased a few items and then had a bill the following month. I went to pay the bill and XXXX XXXX  charged my checking account twice, so I called the company to ask why. While speaking to a customer service representative the individual began yelling at me and speaking to me in a very vulgar way all over me asking why I got charged twice and why he could not help me figure out why. I brought up the situation to a manager and she said, '' oh well, there is nothing I can do about it. '' I was then charged two fees. I refuse to pay these fees due to the fact that I paid my bill and under their negligence I got charged twice. Then in the midst of this my husband who is in the XXXX got orders to move to another state. For two months I did not have a job and had no place to live since we had to find a house in the new state we got stationed in and I had no luck finding a job. I was unable to pay my bill and tried to reach out to a customer service representative and once again they were of no help and rude as ever. Now I have penalties against my account and my credit score and I do not feel this is right and this company needs to work on treating their customers better. Never have I ever been yelled at and disrespected by a customer service representative until then.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This company has continued to report inquiries in which some were removed and placed back on my credit report also there are old addresses on my credit report that were removed and placed back on. This is a violation of the Fair Credit Re porting Act Section 1681 b ( c ) and a serious breach of my privacy 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 02-06-2017 about Credit card () with BANCO POPULAR DE PUERTO RICO (CA).
Issue: Credit determination

Complaint: YOU MUST REFER TO ATTACHMENT # XXXX - FULL CASE to fully understand my case and request. PLEASE GO THROUGH THAT DOC BEFORE ANYTHING ELSE. 
On XX/XX/2016 at XXXX PST, I applied online for the XXXX card ( application ID # XXXX ) issued by Banco Popular de Puerto Rico, using promotional code AVSPWE to receive a Welcome Bonus of XXXX Lifemiles. 
After clicking on " XXXX '' my application, a pop-up message displayed on the screen prompting me to confirm my identity by answering a few questions. Before showing me any question, the webpage kept " thinking '' for a while and then an error message displayed without giving me any questions to answer. Please refer to attachment " # XXXX. Identity verification error '' which is a snapshot taken with my cell phone of the screen error message I got. As you can see on the left of the snapshot, a " no items to show '' message displayed instead of the questions I should have been given to answer to confirm my identity. Also as you can see on the center of the snapshot, an " Unable to continue, XXXX we can not identify you '' message displayed. Then, I was kicked out of the application and received an immediate denial email. 
I then had further issues with Customer Service ( additional hard inquiries on my credit reports without my consent a a claim opened with no resolution after 2 months ). Please refer to attachment # XXXX - Full case, to understand the issues I faced regarding my application, my interaction with Customer Service, the claim I opened with no resolution, and what I am requesting from you at this time.

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have reached out to have these unauthorized inquiries removed ; however, this company will not respond or make adjustments.To the best of my knowledge I have not approved your organization, any person associated with your organization, to make such an inquiry on these dates. This violates the Fair Credit Reporting Act, Secti on 1681b ( c ) :  Transactions Not Initiated by Consumer. I also demand that you remove my personal information from your records. Please send written confirmation that you have complied.     I have attached the documentation I sent to the company. I have no open accounts with them. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Debt collection (Other debt) with Perfection Collection (NC).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: Perfection Collecton took over a debt that XXXX originally had. I explained to Perfection Collection that I never signed a contract with them or XXXX for a security system. I also condacted XXXX  to let them know the same thing. This is a debt for {$1500.00}. Upon asking them for method of verification that I signed a contract and gave my information, as well to let me know the service address that XXXX was used for, neither company was able to produce it and refuse to delete it from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The caller identified himself as someone from a debt collection agency ( unnamed ) and said my daughter owed {$250.00} to XXXX XXXX XXXX XXXX through named doctor who she had seen and had had outstanding debt at one time, so I thought it was legitimate. They had an old address for her, so I gave them her new address and phone number. I also told them we would need a copy of the bill. He agreed to send it and a settlement letter with a reduced amount ( red flag ) to my email, which I gave him. A little internet research indicates this is a scam. I did not provide SSN or credit card info. 

Caller 's name : XXXX ( with a strong XXXX accent ) Called my mobile phone from : XXXX ( says XXXX, TN ) He told me to have them call her at : 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 08/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: opened card with citicard in XXXX. 2016 with interest free for 18 months and they charged me interest in less then 1 year.

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 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I disputed through all three credit bureau stating i never had aacount with this company 's, they kept saying the account was verified. I sent a certified letter requesting validation of the debt with a copy of the application with my signature, I have not received anything. On  XXXX / XXXX / 17 , my credit monitoring sent an alert. from  XXXX .   XXXX   XXXX   had updated the account from Charge off account in high credit is original charge-off amount to charge off account, unsecured,  Amount  in high credit is original charge-off amount. They refuse to remove this account from my credit report knowingly I never had an account with them and they have no proof to valid the account either that has my signature.

Company response to consumer: Untimely response
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I applied for a card some time ago, I was approved however never received a card nor did i receive any bills. As such there should be no way that I would receive a negative ding on my credit reports if I never got, used or even activated said card. I need this to be resolved. I now want nothing to do with this company at all, I want the negatives to be removed immediately.

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 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX Customer Service - General Inquiries | Dispute Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to you today to explain an incident that occurred on my account regarding the statement datedXX/XX/XXXX. As noted, my payment was delinquent in excess of 60 days. In XX/XX/XXXX, I paid the account in full, but due to XXXX  inaccurate payoff amount, the account remained with an outstanding balance. Thus, I assumed my payments were being made in a satisfactory manner even though they were not. XXXX reported Late Payment delinquency to the credit bureaus, and decided that it was not their fault. We think otherwise as it is XXXX XXXX error that caused this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NY).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2013, XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 explanation
Consumer complaint received 04/18/2017 about Mortgage (Conventional fixed mortgage) with ATLANTIC BAY MORTGAGE GROUP LLC (MD).
Issue: Application, originator, mortgage broker

Complaint: Regarding case  XXXX  The issue is NOT whether  XXXX   XXXX  understood the terms he was offered on a purchase of primary residence. The issue is our current residence WILL not sell before he closes on the home in DE. Therefore he will not be eligible for the terms quoted.  XXXX   XXXX  's verbal response that as long as he is making his payments it wo n't matter is not adequate- it 's mortgage fraud. It could ta ke 3-6+ m onths for home to sell and that is being optimistic!! Cashing in retirement savings to pay  XXXX  mortgages and or have adequate reserves on hand is not acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I have repeatedly sent out complaints about XXXX collection agency. Texas requires all collection agencies attempting to collect debt or reporting on consumer reports to have a surety bond on file with the secretary of the state of Texas. XXXX ( XXXX XXXX XXXX ) does not have an active surety bond filed. The results of my complaint are on file with the XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX ) is the company filing on my credit file. I Have Filed a complaint with the XXXX XXXX XXXX Of Ohio, as well. I have also filed a fraud complaint with the attorney general of Texas, after a follow up call with the XXXX XXXX   XXXX of Texas. All of these actions have taken place between XX/XX/XXXX and XX/XX/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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Mid-XXXX through XXXX XXXX This is the time frame in which Equifax says hackers gained unauthorized access to its data. 

Thursday, XXXX XXXX Equifax discovers the hack and immediately stopped the intrusion. 

Tuesday, XXXX XXXX & Wednesday, XXXX XXXX XXXX top executives from Equifax sell nearly {$2.00} XXXX worth of company stock. 

Thursday, XXXX XXXX Equifax officially alerts the public about the cybersecurity incident and provides a dedicated website for consumers to check if they were affected. Later on that night, the company also issues a statement saying the three executives had no knowledge that an intrusion had occurred at the time they sold their shares. 
-- -- -- -- -- -- -- - I have signed up for their free " service '' and I get contradicting updates from their call center. The executives took action to preserve their profit before they took action to protect those hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Mortgage (Conventional home mortgage) with FEARON FINANCIAL LLC (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Received a letter in the mail on XXXX XXXX, 2017 from FEARON FINANCIAL, LLC claiming we applied for a home loan but the property in question was sold a while back. i have not contacted them with regards to this letter & DID NOT apply for any loan.

Company response to consumer: Untimely response
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Army and Air Force Exchange Service (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XX/XX/XXXX - Original Written Dispute with AAFES over being reported for late payments while XXXX to XXXX. no response XX/XX/XXXX - Written Follow up with AAFES. no response XX/XX/XXXX - Written follow up again with AAFES. no response XX/XX/XXXX-XX/XX/XXXX - Applied for a VA mortgage Loan to purchase my home. I was approved and it closed inXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX - Denied Improvement loan. I was informed that information from AAFES for late notations was part of the financial decision on loan denial. I was of the impression that this issue had been favorably resolved during the follow up process. 
XX/XX/XXXX - Contacted via phone. Spoke to customer service rep and assured that the original dispute from XX/XX/XXXX was in my file and it would be re-sent to each of the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Other debt) with CBV Collection Services Ltd. ().
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: these people start calling me at  XXXX  in the morning and as late as  XXXX  also sometimes on the weekend. I had to change my phone number and cost me money  I d ont have to spare.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Mortgage (FHA mortgage) with Seterus, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I default on my mortgage due to work related injury, and apply for help to Keep Your Home California and was able to get approve for {$39000.00} to Principal Reduction program ( PRP ). To Pay any past due amounts and reduce remaining balance of first mortgage and bring monthly Mortgage to an affordable.. 
So in months later Seterus, INC had send me a Loan Modification to sign and return and Seterus representative call me stating that the only way to get approve for the money founded to my account from " KYHC '' is by signing modification. next day later Seterus Manager XXXX XXXX Call me again asking for the sign modification, And said if they did n't receive with in a week they were going to reject my founded money back to " KYHC '' and the house would be foreclose. So I had filled out Documents to keep my home and have a reduce Monthly affordable payment. I send this documents back to Them sign. On XX/XX/XXXX I paid my mortgage ( {$1700.00} ) upon agreement and they call me back stating that I was short on my payment that my payment was suppose to be at ( {$2100.00} ) So I was short ( {$440.00} ) So I ask to explain how was that possible when I had filled a mortgage modification and I had a principal reduction to bring down my mortgage to affordable payment. and that was not affordable my payment when up {$440.00}, and is not on the documents that I had sign. 
Seterus Representative could n't not give me an straight answer and they got higher Supervisor to assist and She first said that it just gone up So that 's what I need to pay, And I told her to Explain why she said that Property taxes when up and It did n't and than she Said That because of PMI insurance, Then she said because of Shortage on property taxes or it could be something but she does n't know for fact..

Company response to consumer: Closed with explanation