milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Customer service / Customer relations

Complaint: A creditor left a voicemail for my co-worker telling her that I was being serviced with " legal '' papers and he basically threatened to get a hold of my HR department or someone else in my department. It was clear why he was calling, and now I am in trouble at work.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: My IRA which I transferred from my XXXX what was left to keep from loosing any more XXXX to XXXX after being told by the Vice President, and Customer Service that it was a Federal Law that a IRA could only be by Myself or the IRS for back taxes. I later had the same thing told to me by Vice Presidents, Legal Dept., Customer Service Dept.in XXXX, XXXX XXXX, California, Florida & North Carolina. Even the woman in Florida that disbursed the check to XXXX XXXX XXXX till she found out who I was with my file. When she returned to the phone " we did nothing wrong, and there is nothing you can do '' and hung up would not answer my calls or return my calls.

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 07/17/2017 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: I opened a credit card account with   XXXX   XXXX   XXXX   in early   XXXX    2017. Two weeks after receiving and activating the card   XXXX   XXXX   XXXX   charged me a {$75.00} annual fee. I called and cancelled the card and demanded that they reverse the annual fee since the account had only be open about three weeks. They agreed to refund the fee and close the account per my request. Two days ago,  XX/XX/XXXX , while checking  my   XXXX   XXXX   XXXX   XXXX   I  discover that   XXXX   XXXX   XXXX   has reported this account as a " Charge Off '' for delinquency. I have never made late payments on this account and was not notified of by   XXXX   XXXX   XXXX   of adverse activity on my account. All attempts to resolve this problem have be futile.   XXXX   XXXX   XXXX   has blocked online access to account information. Credit card holders do not have an available   XXXX   XXXX   XXXX   customer service email address to report problems through. Telephone phone waits to customer service phone number average about twenty minutes before any one from the company answers the call.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I am smart enough to write a dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to complete my dispute. So I guess it is possible that I may have missed something. I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that was inappropriate? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Since XXXX XXXX, XXXX I have repeatedly asked Equifax , XXXX, and XXXX to remove an item on my credit report that was caused by an authorized user back in XXXX. The above agencies keep telling me that the reporting is accurate and refuse to remove XXXX XXXX XXXX account number XXXX as an item that does not belong to me. 
On XXXX XXXX, XXXX I contacted XXXX XXXX XXXX and asked them as a Good Will gesture to remove this item so that I could purchase a car. 
I received a letter from XXXX XXXX XXXX asking me to call them. I called them this morning, XXXX XXXX, XXXX and spoke to XXXX then manager XXXX at XXXX. I was told that they had to accurately report MY credit and that they could not remove said item from XXXX, XXXX or Equifax. I quote to them that they were in violation of Section 1681n and Section 1681o of the Fair Credit Reporting Act. ( This is not my account ). 

I was refused a good will gesture because I was the primary on another account that was linked to this card. I was never on this bank card and should not be penalized for something that I did not do. I am including copy of that letter, copy of credit bureau update, and copy of my fourth letter to all agencies asking them to remove said item from all three agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: In late 2012 I was given a big pay cut at my company. My wife and I contacted Citi Mortgage to see if we had any options to lower the rate or lower the amount for at least a short term. They offered us a HARP loan modification that would take our payments down almost 200 per month. We asked for paperwork and what they needed to get this started. up until this point we were on time with our mortgage every month without issue. They had us send in money that they would " Hold '' in order for the modification to be approved.We made double payments to them and the money is shown on our account but never applied to it. They approved the modification and gave us a new monthly payment. After a few months I was looking at getting a new car and my FICO score dropped over 100 points. Once I looked I found Citi allowed us to go behind 5 months to show " need '' even though we still sent in money. This kept us behind for months, but the damage to my credit was done. I have asked and disputed the reports for years to the point I can no longer dispute it. My mortgage should never have been behind and they hid behind a federal program that was to help people in order to ruin my credit. I have no other options now and these marks need to be 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 10-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I applied for an apartment at XXXX XX/XX/2016. After being approved for the apartment, I decline the apartment offer. I paid them the application fees which are non-refundable. This week, I received a letter from a collection agency stating they have placed an eviction notice on my credit account and is suing me for {$3600.00} for an apartment that I never stayed in or even rented. They do not have a lease in my name NOR have I never signed one. I never lived in this apartment complex, only completed an application. They even tried to garnish my wages. How can I be garnished if there is no court date? This is unlawful and I want my this off my credit. I have spent days trying to clear up something that is not mines. I try contacting the apartment complex and this debt collector and no one is doing anything. This needs to be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question : XXXX XXXX/XXXX/XXXX Banking XXXX Card XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Banking I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.

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 09/26/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Settlement process and costs

Complaint: I applied for a loan with Chase. The loan lender advised that my down payment is good and the close can be done in two ( 2 ) months at max. I locked the loan for two months ended on XXXX/XXXX/15. Many delays occurred by the bank, attorneys and title company. The bank contributed in this delays. I should be closing on XXXX XXXX, 2015. However, I received a call from the bank stating that I should pay {$3100.00} for loan extension although I responded to all there request within a day or tow. The chase underwriter and loan officer keep asking for information piece by piece and delaying the process although I keep asking please let me know if anything is needed. Chase completed the file on XXXX/XXXX/15 with a mistake from the title company that the taxes is approximately {$19000.00}. correct taxes should be XXXX. I have pointed this mistake to the loan officer. This mistake cause further delay that would be avoided if the underwriter & loan officer paid attention and compare with initial payment estimation. 
In summary this delays occurred due to : Lack of communication between the bank and the attorneys of record. 
The bank attorney has not request all info properly, as per the realtor and seller attorney. 
Many delays because of the bank was waiting for the contract to be initialed by the seller. 
The bank underwriter and loan assistant keep asking for supporting document piece by piece every week which delayed the process. I have provided all documents within a day or two at max. 
The title company delayed the title report and provided the report with mistakes that cause further delayed of the process. 
Lack of communications between bank, attorneys, & title company. 
Not responding on time to schedule for the close-out day although I expressed that I will free myself any day and anytime. 
I strongly believe that the bank contributed to some of the delay and should be responsible and waive such fee.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Billing disputes

Complaint: I am being charged for unauthorized charges

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XXXX 2015, I filed a second dispute with Experian regarding two account that were not updated after my XXXX 2015 chapter XXXX bankruptcy filing. The named accounts are : XXXX XXXX Bank # XXXX for ( {$750.00} ) and XXXX XXXX XXXX # XXXX ( charge-off ) on my credit report. I attached my bankruptcy letter and petition verifying these two accounts were listed in my bankruptcy case # XXXX by XXXX XXXX XXXX XXXX. I received an email stating the investigation determined no changes were needed. 

I am seeking assist to have my Experian credit report updated to reflect my chapter XXXX bankruptcy filing. XXXX XXXX XXXX XXXX XXXX XXXX Bank are listed in the petition. 

Regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Debt collection (Medical) with Collection Information Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Doctors business bureau have me on collection for an accountunder my son 's name. He son is XXXX and he has been receving medicaid since he was born covering 100 %. Icontacted them to let them know, but they were very rude to me and basically told me that by this now, it was too late to call medicaid and that i was responsible for the account. They told me that I had to pay the total in only one payment. Its unfair and not right that I would have to pay for a medical service, having my son medicaid insurance. This is basically a theft.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing the loan or lease

Complaint: I have sent a few messages via the secure message system on the TD Auto Finance website. I 've been paying more that minimum payment of {$200.00} since the loan commenced on XX/XX/XXXX. The TD Auto Finance website shows since I am ahead that a payment is not due until XX/XX/XXXX. However, it is showing a minimum of {$210.00}. XXXX customer representatives claimed it had to do with simple interest and that since the payments were not received at the same date, there is a fluctuation of how the interest would be applied. This makes no sense since in the absence of late fees or an outstanding balance, the default payment of {$200.00} would be applicable. I feel that because I am ahead of the contract that they are trying to get more money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Vehicle loan or lease (Loan) with BMW Financial Services NA, LLC (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Dear Sir or Madam, I would like to submit a formal grievance against BMW Financial Services as it pertains to the timely payment of my auto loan. 

I financed a new car through BMW Financial Services on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I received an email from BMW which welcomed me back to their company, and suggested that I sign-up for paperless billing statements, and re-enroll in easy pay ( automated ACH drafts ). I did both. I also changed my billing date from the XXXX of the month to the XXXX of the month. BMW allows you to change your billing date 3 times throughout the life of the loan. Confirmation of my easy pay enrollment, and billing date change are attached to this grievance. 

BMW sent me an email on XXXX XXXX, notifying me that my account was past due, but instructed me to ignore the email if I had made payment arrangements. In my mind, payment arrangements were made, because I changed my billing date to the XXXX. 

On XXXX XXXX, XXXX I received another email from BMW requesting that I contact them immediately about the past due balance of my bill. I spoke to XXXX and then escalated my call to a manager named XXXX. 

The agents informed me that I was indeed delinquent on my account, and needed to make a payment that day in order to avoid a late charge. I tried to explain to the agents that the automated IVR system explained to me that a payment would be drafted XXXX XXXX. According to them, my payment was due on XXXX XXXX. 

Here is my complaint : regardless of whether or not my payment was due XXXX XXXX, or XXXX XXXX, because I was enrolled in auto-pay, BMW holds the responsibility to debit my account on the due date. BMW failed to do this, therefore my account became delinquent, and had I not intervened, a late charge would have been imposed. 

At best, BMW has created a poor customer experience. At worst BMW has engaged in illegal activities as stated in sections 1031 and 1036 of the Consumer Financial Protection Act which prohibits a covered person or service provider from engaging in any unfair, deceptive or abusive act or practice. 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ( B ). 

The activity is unfair because the late charge could not have been reasonably avoided even though I was enrolled in auto-pay 36 days before the payment due date. 

The activity is deceptive because I received conflicting information from BMW regarding auto-pay and changing my billing due date. If I am enrolled in auto pay, payment should have been attempted on the due date. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I received a letter from the court stating they do not furnish information to any third party including Credit Bureaus, there for the Tax lien and Bankruptcy that has been placed on my credit reports stating the information came from the court is false and was placed on my credit report illegally and must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When my initial payments began I was still in XXXX - I got the loan to study a XXXX at the University XXXX XXXX and XXXX. I 've been planning to build a life there since it was better than my home XXXX. At the time I could n't pay the monthly payments because my savings were low and I did not have a job despite numerous job applications. I 've had to use XXXX XXXX/Navient 's forebearance which has upped my monthly payments since interest accrued. They tell me that due to my Smart Option Loan, I can not apply for Interest or Monthly rate deduction, that I can only have it reduced if I go back to school or find a job. I am still in the process of that, day after day. My cosigner, my elderly grandfather, can not afford to pay forever. Simply put, I wish for them to cut my monthly payments in half, which would be a lot more manageable for me and my cosigner, so I could breathe easier whilst I search for a job. I have called them numerous times, explained my situation in detail, my lack of money, my time dealing with XXXX to stay in XXXX and since returning home, I 've been diligently trying to find a job, to no positives yet. While I can understand terms and conditions of what one signs, it seems irresponsible of a lender to not want to help a borrower when they make claims that they can or will do so.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Payoff process

Complaint: I contacted Capital One to pay the balance of a credit card that had been charged off in 2010. I was instructed to speak with their legal council ( which I did ) and was offered a settlement amount. I was told that upon receipt of payment, Capital One would update the balance of the credit card to {$0.00} and that the account would be considered paid in full. I was also told that the judgement that had been entered against me would be removed. Neither of these actions has been taken and the credit reports with all XXXX bureaus still list the account as having a {$4200.00} balance and lists my credit utilization as 117 %, which is not correct. I disputed this balance and received notification from all XXXX credit bureaus that Capital One had reported the balance as {$4200.00} even though I already made the payment and they agreed to mark the account as paid in full with a {$0.00} balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2015 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Dear CFPB, I have a credit freeze with all XXXX major credit reporting agencies. I am routinely able to temporarily lift my freeze with XXXX and XXXX. I am however unable to lift it with Experian. I have written them several times ( XXXX XXXX XXXX, TX XXXX ). Each time they send me a new pin, but I am still unable to lift the freeze. They do not tell my why and they do not provide any means for me to contact them to resolve this issue. I can only assume they have some incorrect information about me ( birthday etc ), but because I do not know what it is, I am unable to provide the correct information, even if I had some way to contact them. Thank you very much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Altisource Portfolio Solutions, S.à r.l. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Company did not send notification of an outstanding debt. No invoice requesting payment was ever sent. Because an invoice was not received, I was unaware that a payment was 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 explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient sold my loans to XXXX, and when I worked with them, and set up a payment plan in XXXX, I was told it was all of my private loans. It turns out that Navient held onto some of my private loans and is placing me in default for not making payments on them. This is on top of them refusing to communicate with me via email. On the phone they pressure me into payment plans, I refuse to negotiate on the phone because of the undue pressure and lack of opportunity to weigh my options.

Company response to consumer: Closed with explanation