milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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: I disputed a company with all three major credit bureaus. One particular company XXXX XXXX was disputed and came back verified with all three bureaus. I contacted the BBB about this account that I have no knowledge of and the results came back they they were unable to obtain documentation to validate the debt. The BBB obtained a statement directly from XXXX XXXX XXXX XXXX. I would like to know how these Bureaus validate and verify this information. On XX/XX/XXXX Equifax verified as my debt, but on XX/XX/XXXX, I received the message from the BBB in regards to this company. I think it 's unfair that the Bureaus can slap unverifiable information on consumer reports and not even attemp to rectify the issue. I had to write multiple letters and make multiple complaints to prove this debt was n't mine. I want this item removed from each of my reports from each of the bureaus immediately. I want all negative and collection items on each of the reports, from each bureau validated with documents that they have recorded and retained in their files. I also want to know if there is any further action I can take. This is the second time that I have had to hunt down information that is placed inaccurately on my reports that has been reported as verified. I have included a file of the letter from the BBB as well as the Equifax response of verified. Please help me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (KY).
Issue: Loan modification,collection,foreclosure

Complaint: I was forced under personal cirumstances to file chapter XXXX bankrupcy in XX/XX/XXXX. I continuedto live at my house awaiting a foreclosure notice, which has as of this day has not happened. 
I vacated the house in XX/XX/XXXX. I continue to receive complaints from the county about propertymaintenance. I have contacted the loan co., but all they want to talk about is me making an offeron the amount of loan. There were some irs liens on the property. I just wish to get the property out of my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (I do not know) with Premier Recovery Group (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX ( name of company ) called with a partial robo, partial human call. Name and case number were robo. " Serious matter with you personal information ''. Need statement from me or my attorney. Number to call is XXXX. Or hit XXXX for a rep. I have had numerous similar calls. All the same type of XXXX. They go for a couple of weeks, then stop for months at a time. I know this is a scam. Alleged company is based out of California. Call at all hours. Getting really old. Thought this was done. First call in almost XXXX months.

Company response to consumer: Closed
Consumer complaint received 09/14/2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Closing/Cancelling account

Complaint: My husband passed away on XX/XX/2016. I reported his death to Citi Dividend card by e-mail and attached his death certificate to that e-mail. We have been using this card for more than 5 years and never missed a payment. Without even replying to my e-mail they closed the account and cancelled my card also. I found that when my payment to my utility company was declined. There was a balance of {$250.00} on the card and they sent that to collections department. I made the payment for the balance immediately and asked them about the dividend dollars of {$170.00} that we accumulated for over many years. After talking to number of people and wasting number of hours I was told that the check can not be issued. I told them to issue the check in my husband 's name. They said they ca n't do that because the account was cancelled

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/23/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: ASC, the servicer arm of wells fargo, denied a loan modification without notice. Moreover, its reasoning - that we did not comply with a fall XXXX requests for documents - is incorrect. We provided responses to their most recent request in a timely fashion on XXXX XXXX, XXXX. ASC never advised us that the response was inadequate even though it acknowledged receiving the documents. However, when we spoke with ASC in early XXXX XXXX to follow up on XXXX XXXX submissions, ASC said the application was denied because we did not respond. More specifically, in our XXXX XXXX submission we answered the request for a lease from the tenants as follows. We provided an explanation that our client 's tenants do not have a lease. Further, we reported that the borrower/homeowner did not want to ask the tenants to sign XXXX because she is fearful they may ask why and she does not want them to know she is in foreclosure and perhaps trigger non-payment of rent by the tenants. ) Moreover, the borrower/homeowner provided bank statement showing the deposit of the rent as well as a schedule XXXX on her XXXX tax returns showing the rental income. The later is an appropriate way to document rental income under the HAMP Guidelines. Finally, ASC asked for a profit and loss involving a contributor who lives in the household. We pointed out in our XXXX XXXX submission that the contributor is a XXXX earner with no outside business or earnings. 
As stated, we never got a denial letter form ASC.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX COURT XXXX FL. XXXX REFERENCE XXXX XXXX INFORMATION FOR LONG TIME I CALL THE COURT ABOUT A YEAR THEY THEY AGREED THAT IS NOT ME BUT NEVER CAME OF MY RECORDS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Diversified has Failed to comply with Federal law under the Fair Debt Collection Practices Act, by not properly providing verification as I have requested under my rights.Diversified has Failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, Please view case numbers : XXXX and XXXX for CFPB. I have been trying to get Equifax to remove this incorrect information off my credit report for over 8 months. This has stop me from buying a house and applying for credit. Now, I have a letter from " XXXX '' stating my identify stolen and this could have taken place far as XXXX years ago. I have medical charges on my credit report which are not mind and Equifax refuse to remove them. In addition to an old account dated back in 2006 for XXXX # XXXX that is not mine and showing I 'm late and dropping my credit score to a XXXX. This score is a XXXX point off the other agencies ... How is that? I have sent Equifax the police report, but they are above federal law and keeping people credit score down to sell information to inflate interest rates. Please help me and investigate why Equifax will not remove these negative accounts off my report : XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX have attached supporting documents. Also, I will allow you to review my credit report. 
Thank you in advance! 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: My loan has been transferred intermittently and mostly during default. My loan was transferred from Countrywide to XXXX, to XXXX, to Bank of America, back to XXXX then back to Bank of America again. At one point I was not even sure who to make my payments to because the transferring of my loan was so casual and occurred often. To make matters worse, I was never even notified of the transfer of my loan until I recently did some research. I had my attorney find out that the loan is now with Bank of America because there was no information provided to me from Bank of America nor XXXX informing me of this information. I recently submitted an application for a modification, I have supplied all documentation requested of me and I am being told there is no guarantee of the trustee sale being postponed, 2 days before my sale date! I did not ask for my loan to be transferred and I have been put in this situation by the lender. There is no reason why Bank of America should not be able to postpone the sale and continue the review of my application as this is a form of dual tracking. Additionally, per HBOR laws, I was never assigned a specific point of contact, I was never reached out to and offered assistance.

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 09-07-2015 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: Last month, in XXXX 2015, I applied for credit at Conn 's in XXXX XXXX, Texas for a new TV and entertainment stand. I attained the products and received my payment booklet a few weeks later. 

On XXXX XXXX, 2015, I purchased a money order for {$37.00} for my first payment. I was not able to mail it off that day. 

On Sunday, XXXX XXXX, 2015, I received a call from Conn 's saying that my payment was late. I was told that it would be due on the XXXX of the month, by the store sales rep. My booklet indicates that it is due the XXXX of the month. 

The woman told me no, that it is due the XXXX. I told her that I would put it in the drop box that day, but, due to Monday being a holiday, the postal service wo n't pick it up until Tuesday. She was nice and said she 'd document that on my account. 

A few hours later, I got, yet, another call from Conn 's about my account. I was stunned to hear that, until my payment is processed, they would be calling me DAILY. I said, no, they would n't. I received no other calls that day. 

Monday, XXXX XXXX, 2015 I received NO LESS that XXXX phones, along with a text message AND an email about this payment. Unfortunately, I deleted the email and text, but, have a screenshot of Conn 's acknowledgement of my request for stopping text notices. 

I called back and spoke with another person and told them NOT to contact me again today, tomorrow, or any other day, as this is harassment. I also informed them of my intent on filing this complaint. I hope they do n't attempt to contact me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2017 about Debt collection (Credit card debt) with The Bureaus, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The Bureaus Inc. had purchased a debt from XXXX XXXX that had already been paid. I disputed with XXXX XXXXXXXX about 8 weeks ago. They determined the dispute was valid and repurchased loans from The Bureaus Inc. about 5 weeks ago. The Bureaus Inc. Is still reporting on my credit report from XXXX and XXXX. I filled a dispute via XXXX at the beginning of this month, spoke to a customer service representative from XXXX whom stated, '' The Bureaus Inc have not sent for this account to be deleted '. I 'm in the process of purchasing a home, the tradeline from the bureaus, is avoiding the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Bank account or service (Savings account) with BANK OF THE WEST (NM).
Issue: Deposits and withdrawals

Complaint: I received the attached Addendum to the Deposit Account Disclosure in my most recent checking account statement from Bank of the West ( BoW ). In the attachment I have highlighted the section that I find most troubling. In my own words, BoW is unilaterally declaring that even if a funds transfer is approved, they can for no reason at all choose to ignore it and not process it. Further they make the claim that they will attempt to contact me but will not make any guarantee of doing so. Finally, when they choose to ignore or not process a transfer, they are in no way liable to myself or any third party. Assuming I maintain my account, this unilateral position goes into effect on XX/XX/2017, by default. In my estimation this is totally one-sided and contradicts any understanding of the bank performing its understood contractual duties and responsibilities.

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 12-12-2015 about Credit card () with DISCOVER BANK (AZ).
Issue: Billing disputes

Complaint: I disputed a transaction because I received a faulty product from XXXX XXXX. XXXX admitted the product was faulty. They refunded my money after refusing to refund me when i went into the store initally. It was a huge ordeal, but they finally refunded it after acknowledging the product was in fact, faulty as received. This product happeend to be a computer component that ended up damaging another component ( that was also purchased from XXXX ). I went into XXXX and told them what happened and that the product was damaged by their faulty equipment in the first place. They refused to refund me my money even though they h ave a policy regarding defective equipment ( it is not barred from refunds ). After they refused to refund me for the piece of equipment that I bought from them that their intially purchased product damaged, I submitted a dispute to Discover Card. Discover closed the dispute in my favor a couple of weeks later. I have the documentation of this. A couple weeks after taht, I received an email stating that they reversed the credit because XXXX XXXX " disputed '' it through them. They gave me an opportunity to present my documentation in response to XXXX dispute. Or so I thought. I spent hours drafting my respoonse and getting a witness statement because everything that the XXXX manager that I dealt with and that drafted the response to Discover Card said, was a blatant lie. I faxed my documentation in the same day and I spoke to discover today who still is refusing to protect me and the purchase. At this point, XXXX refuses the refund even though it is within their policy. Discover Card is gave me the opportunity to present my evidence which I did, but they are n ow completely overlooking it, and I am out over {$200.00} for a computer component that does nto work due to the original XXXX component damaging it. This is not fair. Discover said that they wil lnot take any of my statements into considersation simply because of the response they received from frys. I want to know how this is fair to a consumer to have a manager make up lies and have those hold water over their " valued '' cardmember 's statement ( and a witness statement ) and other supporting documents. My complaint is towards DiscoverCard in not accepting my rebuttal or evidence to approve my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I constantly call this company to remove credit inquiry 's that I did not make for a credit cards and a car loan. I did not apply for a XXXX XXXX XXXX card or a XXXX XXXX credit card. I 've tried and tried to resolve this with there XXXX customer service department and to no avail nothing gets done!!!! I also have a inquiry from XXXX I did not authorize this inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit card () with DISCOVER BANK (RI).
Issue: Other

Complaint: I entered into an agreement with discovercard several years ago whereby they would waive late fees and cut my interest rate if i got on a regular payment plan. I have been paying them XXXX every month for several years. Earlier this year I was not able to make a payment, subsequently we entered a new arangement whereby I would pay XXXX for a set period of time. Even though I paid the XXXX in XX/XX/XXXX and XX/XX/XXXX they said they charged off my account on XXXX/XXXX/2015. I have no access to it online nor will they send me statements. I am supposed to keep paying them and if I have questions call them on the phone. I was under the impression that revolving debt had to be delinquent XXXX consecutive days to be charged off. This is not the case. Please help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Billing statement

Complaint: Care Credit charges interest 25 days from the date of purchase, instead of from the end of the billing cycle like most credit cards. With all of my other credit cards, there is no interest as long as the balance is paid in full by the billing date. So if my purchase is not a promotional offer I am expected to pay the balance within 25 days of the purchase date, regardless of whether or not I have got my billing statement yet. How am I supposed to know what charges need paid in order to not have interest if I have n't even been mailed my statement yet? These are new charges, which were not on my last billing statement. When I called to ask why I was being charged interest, I was told I should register with online banking so i could see my purchases and know if a payment was required before the billing date. The customer service representative said all credit card companies have this same policy, which is not true. I have no interest in registering with online banking with this company. I think they are dishonest and plan on closing my account once my balance is paid off. I think this is just a scam to get money from innocent customers. I looked at my bill and no where on it does it say the amount must be paid 25 days from the date of purchase. I used to respect this company, but I do n't anymore because of their deceptive practices.

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 07-05-2016 about Payday loan () with NCP FINANCE (OH).
Issue: Received a loan I didn't apply for

Complaint: NCP financed a XXXX loan to a person of no association that used my savings account information with not authorizing loan with me. NCP debited my savings account for the loan unauthorized. I am getting no resolution of the problem. I have filed report with my sheriff department who is actively investigating the report. 
I am not the borrower or any association of the person who received the XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Credit line increase/decrease

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX,. 
XXXX XXXX XXXX, XXXX, XXXX XXXX - XXXX Consumer Financial Protection Bureau Case number # XXXX - Decision Not Fair enough AE Credit Card # XXXX I am not agreed your decision .it 's not fair enough .Please double checked my call records and your corporate office one of manager they agreed to grant Visa card. 
And also Universal data form AUD # XXXX bank submitted only removed account only. all the major credit report that account already removed and XXXX Hard inquiry on XXXX/XXXX/XXXX still remains. Please removed that hard inquiry as soon as possible Due to I have so many accounts maintain your bank and please reconsider my request. 
Until I am getting fair resolution I am keep sending complain though CFPB. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2015 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company calls and leaves a message without disclosing who they intended to contact and left only a return contact number and reference number. Upon calling back and providing the purported reference number, the XXXX representative advised no direct knowledge and then disconnected the line when I inquired about further information.I called back because it is unlawful for even legitimate collection agencies to continue calling a company or person and fail to provide specific information and acknowledge the purpose of their call. Upon calling back, again the representative ( another one ) suggested it was " Credit Control LLC '' and then blindly transferred me to another representative who after providing the reference number and telephone number now thrice that a " XXXX XXXX '' was the ONLY person familiar with the matter. Now that just sounds like a load of nonsense ... Completely unprofessional and unethical ... I told him since they could n't seem to read the federal and state regulations that govern the practices of these collection agencies WITH COMPREHENSION that I 'd inform CFPB and maybe you all can assist them.

Company response to consumer: Closed
Consumer complaint received 11-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX This account was deleted off my credit file in XXXX. See attached proof from the bureaus. This account has been paid and closed. I do not understand why it is reporting again on my credit file again. Delete this account off my credit file immediately!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX slandered when they said they accepted my XXXX plan and then later gave me a terrible experience in the hospital that i had to forcebly despute thru XXXX as they the best they could to appeal and bring it to the hopital to accept

Company response to consumer: Closed with explanation