milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I previously filed a complaint under " bank issues '' but since it 's a Credit Union apparently it does n't fall under that scope. The NCUA was notified but they have n't done anything. Since XXXX XXXX XXXX XXXX is now harming my credit with their incorrect reporting, I figure it 's best to file a complaint under Credit Reporting. Hopefully this works. 
I decided to switch banks from XXXX XXXX XXXX XXXX ( XXXX ) after getting married and open an account with my husband elsewhere. I did the responsible thing and took several months before actually closing the account, to make sure all pending transactions and automated withdrawals were completed. At some point I received a letter from XXXX stating that the account was negative. I sent a check immediately, along with a signed letter requesting that the account be closed. 

They cashed the check and I assumed the account had been closed. I did some research last month and found a copy of the check dated XX/XX/2014. It 's enclosed as an attached document. 

Following my request for it to be closed, I did not receive any statements or anything from XXXX, so I never thought anything of this, until earlier this year. 

For some reason, I received a letter from a collection agency claiming that I owed XXXX {$48.00}. I sent a response asking how this could be accurate, given that the account was closed years ago. They sent over information stating that a XXXX transaction attempted to go through, and thus the {$48.00} was overdraft fees ( although the transaction was declined ). Of course, had the account been closed like it was supposed to be, there would be no issue here. Apparently it never was closed, despite my written request. 

Fast forward to a few weeks ago when I noticed a negative item on my credit report in the amount of {$90.00} ( magically increased from {$48.00}, apparently ) from XXXX. 

Had they closed the account like they were supposed to, none of this would have happened. It 's not my debt. It 's their error. It needs to be removed from my credit report as this is having a substantial impact on my credit report. 

Any assistance you can provide would be greatly appreciated. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I have spent hours trying to resolve an issue with my business account at Santander Bank. I have talked to several corporate professionals and each of them have passed my complaint along without giving me the information I am owed as a consumer. On XX/XX/XXXX, I received a letter from XXXX XXXX as a response to my memo to the corporate office on XX/XX/XXXX bringing closure to the case without answering my initial complaint. <P/>In summary, someone changed the address of my business account without my permission. My initial inquiry as to why I could not access my account led to the Bank professional in the office I first opened out the account suggesting I may have changed it and forgotten. I am outraged. <P/>The bank has informed me that they have no idea how this occurred, can not locate the signature card someone filled out to change my address, can not locate the teller or bank professional who made this change and have offered me XXXX Credit for one year. I am already a member of XXXX XXXX. I find this unacceptable. <P/>I deserve to know how this change was made, who made the change and the bank has an obligation to protect my account and not allow such a change to be made without any accountability of safeguards in place to trace such a change. I have been told those records are only kept for several years and they have no way of tracing such a change. I am certain if I went to court and the record was subpoena they would produce the computer generated information. Clearly, fraud has been attempted and I think it is internal to the bank. This is not the first time my account was compromised and I want a real answer.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Manager from XXXX collections was very rude and unprofessional ca n't negotiate with him because I live in XXXX in Massachusetts and want to do a 80 % off of {$1500.00} to be settled and have letter for proof, that payment was made and paid in full. 

But manager was very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Several credit accounts and the corresponding trade-lines are not being reflected in my TransUnion personal credit report. They are being reported to the other bureaus. The creditors have advised they are reporting to TransUnion yet they accounts are not present in my credit report. This is adversely affecting my credit rating as my Average Age of Accounts is greatly diminished. This is a factor the XXXX scoring model uses in establishing an individuals creditworthiness. I would greatly appreciate assistance in having the following missing accounts reinserted into my TransUnion credit report. 

XXXX / XXXX Acct No. XXXX .... 
XXXX XXXX XXXX Opened : XX/XX/XXXX Limit {$8800.00} High Bal : {$1700.00} XXXX XXXX, XXXX XXXX Status : Paid/Closed Never Late Bal : {$0.00} XXXX / XXXX Acct No. XXXX XXXX XXXX Opened : XX/XX/XXXX Limit {$4400.00} High Bal : {$4200.00} XXXX XXXX, XXXX XXXX Status : Open/Never Late Bal : {$0.00} XXXX / XXXX Acct No. XXXX XXXX XXXX XXXX XXXX Opened : XXXX Limit {$4000.00} High Bal : {$990.00} XXXX, XXXX XXXX Status : Open/Never Late Bal : {$0.00} XXXX / XXXX XXXX Acct No. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Limit : N/A High Bal : {$750.00} XXXX, XXXX XXXX Status : Paid/Closed Never Late Bal : {$0.00} XXXX XXXX / XXXX XXXX Acct No. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Limit : {$11000.00} High Bal : {$3400.00} XXXX XXXX XXXX, XXXX XXXX Status : Closed/Never Late - Transferred XXXX XXXX Acct No. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Limit {$300.00} High Bal : {$91.00} XXXX, XXXX XXXX Status : Paid/Closed Never Late

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 01-12-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Application, originator, mortgage broker

Complaint: My complaint is toward Bank of America. 
My friend ( XXXX ) and I ( XXXX ) are buying an investment property. My friend works as an XXXX XXXX for a XXXX company in XXXX XXXX being paid in XXXX dollars. He is over there on a short tem contract. He is not scheduled to be back in the XXXX until the beginning of XXXX when his contract is up. 
XXXX executed a Power of Attorney that gave me the right to sign on his behalf for the investment property purchase. The Power of Attorney was signed and notarized at the XXXX XXXX in XXXX XXXX by a XXXX notary. I was just told by a BoA representative that they will not accept the POA because it was signed outside of the XXXX. 
This makes no sense to me as this is the point of a POA and one of the reasons for a XXXX XXXX 's existence. In addition to the fact that an XXXX is a sovereign state and is considered XXXX soil. I escalated it with Bank of America and they requested an exception to allow the POA which was declined. They advised me of the POA decline on Thursday XXXX/XXXX/2017. We are scheduled to close on Friday XXXX/XXXX/2017. 
I feel they are discriminating against a XXXX citizen who is working abroad. The POA was completed in accordance with XXXX and local law as it has been accepted by the title company who is insuring a clean and clear title.

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 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (FL).
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: Hello I have a auto loan with T/D AUTO FINANCE THEY ARE REPORTING MY ACCOUNT AS ( DISCHARGED THROUGH BANKRUPTCY / CHAPTER XXXX/ THIS WAS NOT INCLUDED IN THE BANKRUPTCY. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT REFLECT A NEGATIVE MARK TIL 2025. THIS WAS ALWAYS PAID ON TIME TIL THIS DATE. THANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2017 about Debt collection (I do not know) with Superior Adjustment, Inc. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This place continues to call me and they have the wrong number. I have told them this several times and they do n't believe me. I 've blocked their number and now they are leaving messages from an unknown number. They also shout and use profanity and threats. They are known as a debt collection company called " Credit-Check '' in  XXXX  MI. They have the wrong number.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
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: Paid {$270.00} for a conference, but found that my health system paid for the bill. Credit card company has all the check information, but wont refund my money. Check # XXXX was cut on XXXX for {$1000.00} ( 4 registrations @ {$250.00} each ) and sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The check was for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Multiple cra violations, inaccurate information including names, addresses, phone numbers, employment history and pretty much the entire report.

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 07-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been working with a service called XXXX XXXX to help with this loan. We communicated with Navient & because of my age XXXX  and income had paid in to it many years I requested to have the loan forgiven. They requested what my Social Security amount each month is and had to submit. That was last year. My name is the only name on the account.
They agreed and sent me a letter stating I had a XXXX  balance. I do have a copy of the letter. Dated XX/XX/XXXX This year however the plan has changed and they say I now have to include my husbands income and need to send in tax forms from XXXX. Due to going back and forth with them on this and being in forbearance the interest is accumulating and even though I paid many years the amount now is larger than what I had originally borrowed. It has affected my health and am so glad there is a law suit out on them.
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (I do not know) with Solidus Group LLC. (NC).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: This company is routinely calling me threating to serve me a subpoena at my place of business and/or my residence. They are using a robotic voice and wo n't stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (CO).
Issue: Problems when you are unable to pay

Complaint: I would like to report CNAC, dba car now aacceptance company for harassment. I am fully aware that I am behind in my payments, but I have repeatedly asked them not to contact me at my place of employment in writing. They have ignored this request. I as well as family members have asked them not to contact us anymore and take the necessary measures to collect on debt, yet they continue to harass. Please let people know that they should not do business with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Other debt) with Blakely-Witt and Associates, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I contacted the collection agency Blakely Witt & , Assoc to request a validation of debt since one was never received. I was not mini Miranda. The collection Manager XXXX XXXX was extremely rude. He would take my information and i was hung up on several time. I was told he does n't have to help me with anything and to send the request for validation of debt in writing. Ask if I could speak to someone Else but he would n't allow me to stating he was only the there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (I do not know) with Financial Credit Service, Inc. (MO).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I recieved a call today regarding my ex husbands uncles debt. I have been divorced 5 years. I recieved a call from an unknown number stating they were with the XXXX courts and that I was being supeoned to testify. They needed my attorneys name to update the courts. When I asked what this was regarding they directed me to contact the plaintiff at XXXX. I recieved this call at work and had to leave my responsibilities to go to a conference and call the " plantiff ''. The number went to a company called a.r.a. asset recovery associates. The woman I spoke with said her name was XXXX XXXX. She said I was a co-dependent in a case against my ex husbands uncle. She provided me with case no. XXXX XXXX. She stated I was a co-defendent in a case against him regarding XXXX charges of check fraud which would be filed today. When I asked more questions she hung up on me. I called XXXX XXXX County and city courts. Neither had the case no. Asset recovery associates provided me with. I called asset recovery associates back at XXXX and the woman who answered the phone did not provide her name but stated she had already spoken with me today. I said I was hung up on earlier. She said that was because I kept calling. I asked her to send me something in writing regarding case no XXXX XXXX. She said you 'll get your supenoa. At that point I assumed she was using deceptive debt collection practices and asked her to cease and desist. She said only my attorney can request a cease and desist She then hung up on me again. These claims she made that I was a co-defendant in a case that had absolutely nothing to do with me caused me XXXX. I may recieved a supeno and if that 's the case then we 'll deal with that. However I feel that they had no right to threaten me on a fake cae

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

Complaint: I attempted to pay my Banana Republic credit card from my new XXXX XXXX credit union bank account. I was informed days later after making the payment online that it did n't go through, although I entered in the right bank account information. Attempted again and same thing, called the third attempt and had a representative enter in the payment information. Days later that payment came back. Days later I was informed that my account had been closed! LIVID I have had that account since I worked at banana republic back in 2004! I have now had to use my XXXX account to pay the bill and zero access to the account. Here 's a thought call a loyal paying member before just closing their account and hurting their credit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My original note was owned by XXXX Bank and I was given a loan modification, at the same time I was offered the Loan Modification my loan was sold To Nation Star Bank and subsequently my loan modification offer was not honored and I was forced to resubmit for a new loan modification. All of the income and documentation was the same and I was turned down for a loan modification. I have resubmitted several times at the request of Nation Star and have been turned down each time.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (NE).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I held an XXXX credit card while XXXX XXXX military that was unknowingly written off to TransWorld Systems Inc ( TSI ). TSI has garnished my federal tax returns without a court order and refuses to send me any information regarding my account. I have asked repeatedly over the last 18 months for a written statement disclosing my account number, monthly fees, interest rate and current balance. I have yet to receive anything, yet my account balance is still raising astronomically each month. I have spoken with a lawyer regarding the unlawful tax garnishment, but was told I can not do anything about it. TSI has deceptive debt collection practices and is ruining my credit no matter how hard I try to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed a file with Equifax concerning XXXX debt recovery. Equifax has no debt validations on this. XXXX has my correct info, however when I call the company that they represent, " XXXX '', they have no record of me. Also Equifax is not reporting XXXX of my credit files. They are listed as an inquiry, however the items are not on my credit report. Also the files that are on my credit report only seem to update every 6 months or so. This is a horribly run company.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from HUNTER WAR FIELD I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against HUNTER WARFIELD in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (GA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I made a payment on my Chase Slate VISA credit card account in the amount of {$9.00} on XX/XX/XXXX, which XXXX the account. I should have received a statement showing that payment on XX/XX/XXXX but no statement was produced. I E-mailed Chase several times starting on XX/XX/XXXX and they tell me they do n't produce a statement on XXXX balance accounts. But whenever there has been any activity on a credit card, the credit card company should be sending a statement showing that activity and most do. I keep complete records for all my credit cards and credit accounts. When applying for credit, such as a home equity loan, creditors require copies of my credit card accounts, especially showing XXXX balances. The last correspondence I had from Chase was on XX/XX/XXXX, from Senior Service Specialist " XXXX '', again refusing to send my statement either in .pdf format online or hard-copy via surface mail. This is spite of the fact that looking online, I can see my payment transaction listed there for " XX/XX/XXXX statement ''.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am behind in my mortgage payments and have a foreclosure sale date scheduled on XX/XX/2016. I have applied for a loan modification with my mortgage company and they are saying they dont have enough time to finish the review and are going to take my home to sale. I need help in any way possible to get them to postpone the sale date. Please help!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Through no fault of my own beyond simply having a credit card, Equifax 's lax security setup has allowed for possibly the largest breach of financial data in American History. I have contacted Equifax today X/X/17 to see my options and used their website to determine I am at risk of identity theft from the hack. They then tried to push me into their monitoring program, however, they want to take away my right to join a class action lawsuit again them which I will not do. I have put a 90 day alert on my accounts and will now hope and pray that I do n't get my identity stolen. I 've worked for years to obtain excellent credit and I would hate to see it ruined through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 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: this account with XXXX XXXX XXXX account number XXXX Date Opened XXXX/XXXX/XXXX was never Past due 30 days six times or more late at any point please help e resolve 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