milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2018 about Debt collection (Other debt) with Aargon Agency, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I don't recognize this account. This is not my account. 
This is false!

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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
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: In XXXX XXXX XXXX sent me a XXXX XXXX of XXXX for a old credit card balance. So I reported it on my taxes. A few months ago, the old account that had XXXX balance started showing a balance on all 3 credit Reporting agencies. I disputed all 3 and sent a copy of the XXXX and a IRS statement that said it was cancellation of XXXX XXXX XXXX XXXX XXXX right away. Equifax and XXXX did not. So I disputed it again. They still claim the account is verified and shows a huge late balance. The Balance should be XXXX. Can not get any into from XXXX XXXX about this. But it is causing me to have high interest rates and severely damaging my credit. The letters themselves are very easy to figure out. The account should not be showing a current balance. I do not understand why 2 of the agencies can not figure this out. Its so simple of an error on there part.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Federal student loan) with ECMC Group, Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Immediately after my XXXX XXXX bankruptcy was dismissed in XXXX 2016, I began receiving phone calls from ECMC about a debt. I had no knowledge of the type of debt until I googled the company and read the reviews. Later that day, I was contacted by a rep from ECMC who proceeded to explain the nature of the debt. We went over some basic information and I realized it was for my student loan which the company says I am in default because of the bankruptcy dismissal. On XXXX XXXX, I gave the rep my communication preferences which included my home number and the immediate removal of the temporary work number that I did not give them ... or give them permission in which to call me. Today alone, I have received 3-5 robo calls from them as transfers to my employer. The calls began in late XXXX and have been continuous since. The live person I spoke with today, threatened me with wage garnishment on my employer line, and said she received no communication to remove the employer number so they have continued to robo call the number.

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 09/24/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Application, originator, mortgage broker

Complaint: countrywide mortgage took a pre existing home equity loan for XXXX dollars and without my consent or knowledge changed the loan balance to XXXX dollars in which I, ve been paying for since 2007. the loan was sold to bank of America and than to XXXX I, ve pursued this matter vigorously to where bank ok America has investigated this complaint thru it, s CEO president XXXX XXXX XXXX who informed me after a thourough investigation she had no other options but to refer this case to their fraude dept. I was told by XXXX that after 30 to 60 days that the fraude dept would be in contact with me, it, s been close to a year now with no contact, I, ve tried contacting XXXX since than with no success. I, ve filed a complaint by mail with CFPB with no success, I, ve attempted to employ the FBI to look into this obvious case of bank fraude with no response. bank of America has turned this case over to the fraude dept and I, am still paying as of this date for a fraudulent loan

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
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 opened a credit card account that's been unused by me with a particular company and it has continuously reported a maxed out balance to the 3 credit bureaus who i've also contacted over phone and mail explaining the inaccuracy of my report. I notified the bureaus that the balanced amount being reported is not correct and way past inexcusable to accept and needs to be fixed down to 0 or removed because I owe nothing. The bureaus apparently contacted XXXX and they reported a total different number then what they first reported. The bureaus caught this and quite fairly removed XXXX account from my report, but only to reinsert it just a couple days after and this time with a new different balance, credit card still being maxed out.

So in fairness to myself and millions of others who rely on these credit bureaus to report only accurate verifiable information, by fcra law, they were suppose to notify me within 5 days for reinsertion of a previously deleted account. In which I never received any such notification, [ this account needs to be deleted once and for all, immediately ]. I will upload documents showing different balance amounts being reported and also the account being deleted then reinserted ... Unfair illegal practices, done by both the credit bureaus and creditors, hindering the consumer from obtaining further 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 10-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Diversified Consultants Inc. has been sending me harassing me w phone calls ( up to XXXX per day ) and letters ( XXXX or more per week ). They claim to be collecting money on a 4 year old XXXX account, but when I called XXXX they said the account closed and that I never owed a debt. I have disputed this with the XXXX credit reporting agencies and they removed the Diversified Consultants claim a month ago. But the company refuses to stop contacting me even though the debt does n't exist. I have requested proof of the debt and they have not provided it ( it does n't exist ) but they still keep contacting me. They refuse to talk to me unless I provide them with my SS # and address, I think this is a scam to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Delinquent account

Complaint: WAS TOLD BY CAPITAL ONE THAT IN 2002 THERE WAS A CHARGE OFF IN THE AMOUNT OF {$2100.00} IN MY NAME OWE TO THEM. HOWEVER I WAS NEVER NOTIFIED OF ANY SUCH CHARGE OFFS OR EVEN SEEN THIS ON MY CREDIT REPORTS. I ALSO WAS NOT MADE AWARE OF THIS WHEN I HAVE SINCE OPEN XXXX ACCOUNTS WITH CAPITAL ONE IN MY NAME SOCIAL SECURITY NUMBER AND DOB.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease

Complaint: I have an auto loan with Ally Financial. They are over charging me for interest, my loan states 12 %, but some months they charge about 60 %. They are not crediting my account correctly. They are stating i owe 3 months. I showed them i paid it accordingly, maybe a bit late but paid. They are crediting wrong months. I got an extention XX/XX/XXXX, pushing a payment to the end of loan. They asked me to pay a certain amount XX/XX/XXXX then balance XX/XX/XXXX. I did that as agreed, they now tell me i did n't pay either month. I paid 2 months in XX/XX/XXXX, they said i only paid one month, stating one was returned, it was n't. They send me threatening letters if i do n't pay they will take action. They are charging me late fees because they are crediting my account incorrectly, just a way to collect more money. They are reporting to my credit reports incorrectly. They called me on holidays and days i specified them not not to, they called me at work. They said they can calll to collect whenever they want even at inconvient times

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 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: Credit reporting agencies XXXX, XXXX and Experian refuses to delete the unauthorize hard inquiries and negatives from my credit report. As of XXXX XXXX,2017 I received a credit monitoring from XXXX XXXX on my scores dropping to XXXX in which my scores was up in the high XXXX 's. I making timely payments on my two accounts XXXX XXXX loan and auto .I only have two accounts on my credit report. XXXX XXXX stated the credit scores comes from Experian, XXXX and XXXX. XXXX XXXX also has a issue reporting accurate information. Very Urgent Matters!!

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 02/13/2017 about Debt collection (Payday loan) with Advance Title and Loans, LLC (ID).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Advance Title and Loans out of XXXX Idaho has verbally abused and threatened my client on numerous occasions. The collection manager has stalking tendencies and has harassed the client numerous times to collect a debt including over twenty phone calls and or texts in a one hour time frame. In addition she continues to make allegations of non-compliance against her and broke into her credit counselor 's place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX {$2100.00} account reported on XX/XX/XXXX OpenAccount # XXXX $ XXXXBalanceXXXX XXXX XXXXOriginal Creditor $ XXXX BalanceXX/XX/XXXX DateXXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNote

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (NV).
Issue: Making/receiving payments, sending money

Complaint: US Bank committed a possible UDAAP violation with their bill pay system. I utilized their bill pay system which stated that my rent check would arrive at my property management office on the XXXX. It was not disclosed that, although a paper check would be mailed, that it may not make it by that date. Thus I had no problem using the service and expected my check to arrive on time. However, the check did not make it on the stated date. I have now incurred a late fee and threat of eviction due to this. I called their bill pay department and explained the situation and requested reimbursement for the late fee. The agent handling the call stated that US Bank would not reimburse me for the late fee because they could not control the mail. I pointed out that the website had no such disclosure or I would have used another method or arraigned for the payment to arrive earlier. I further explained that I have used the method in the past and have had no issues with it. I put my trust in the method and now I can not trust the method. The agent still ignored my statements and argued that it was not a UDAAP, I was free to research the laws on the matter, and US Bank would not reimburse 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 11-08-2017 about Debt collection (Mortgage debt) with WMC MORTGAGE, LLC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was received a letter from XXXX XXXX XXXX for XXXX XXXX of Maryland stating plaintiff : XXXX XXXX XXXX , XXXX has put in a motion for Default Judgment in the amount of {$130000.00} for a loan that I borrowed from XXXX XXXX XXXX on XX/XX/XXXX. for a single unit property located at XXXX XXXX XXXX XXXX , XXXX , Maryland XXXX. 

I believe I owe XXXX XXXX XXXX  none of this amount ( {$0.00} ) as I was a victim of subprime lending and part of the National Mortgage Settlement filed with the United States District Court for the District of Columbia in which Maryland was one of the states who alleged XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX. All of whom collectively state these banks violated the Unfair and Deceptive Acts and Practices laws of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989. I also received a check from the XXXX XXXX XXXX on XX/XX/XXXX in the amount of : {$1400.00} as my portion of the amount of the lawsuit settlement. I am asking for your office 's assistance in helping me to resolve this matter with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Bank account or service (Checking account) with BB&T CORPORATION (KY).
Issue: Problems caused by my funds being low

Complaint: I believe BB & T is intentionally reordering transactions to cause overdrafts. Let me explain ; We were customers of The XXXX for 5-6 years and we never had problems with our account, but recently they were bought out by BB & T. Since the bank switched to BB & T on XX/XX/XXXX we 've had nothing but problems with both the level of customer service and OUR ACCOUNT in general. We have a business banking account and a personal account and both have been hit with fees totaling over {$600.00} since XX/XX/XXXX. This is after not having any overdrafts the previous XXXX years. The way they 've brought transactions through reminds me of XXXX XXXX XXXX, 6-7 years ago when they were reordering transactions from highest to lowest because they knew they would generate more fees. BB & T is doing the same thing to consumer, now, and they need to punished. I would print off my overdrafts to show you, but I think BB & T charges me for that service too. I would highly recommend you investigate BB & T as word is spreading quickly around XXXX Kentucky- other banks are getting new customers as people close their accounts at BB & T . We 've heard from a handful of different people complaining about the same thing and our credit union has even told us they 're hearing a lot of negative things going on with BB & T. Please do n't hesitate to contact me if you need me to provide more info. My email is XXXXXXXXXXXX and my phone number is ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had an error on my credit history for XXXX 2016, it showed a 30-day late payment for XXXX XXXX, which has subsequently been fixed by XXXX XXXX. This was an error that has been fixed with the updated information send to the XXXX credit bureaus by XXXX XXXX on XXXX XXXX, 2016. I was told it may take XXXX 45 days to show on my credit history. On XXXX XXXX, 2016, I checked my credit history and XXXX was the only one that made the change, while XXXX and Experian have not made the change yet. I contacted XXXX credit bureaus and I was told to send the letter I had from XXXX XXXX stating dated XXXX XXXX, 2016 that stated the following " ... we have submitted a credit correction request to reflect the above referenced mortgage account as current ; paid as agreed for XXXX 2016. '' I uploaded this letter to Experian indicating what had happened and to please correct the information for XXXX 2016 for this creditor, XXXX XXXX on XXXX XXXX, 2016. I called Experian who has not responded to my dispute yet and has not fixed the problem either and they too are claiming to wait another XXXX to 45 days ( although as of today it has been 48 days ). I do n't understand. I called the creditor, XXXX and they indicated that they have send the report on XXXX XXXX, 2016 and another on XXXX XXXX, 2016 and a follow up on XXXX XXXX. I have urged them to please fix this because is preventing me from buying a new house and since no bank will touch me because it shows a 30 day late notice with XXXX XXXX, I can not get a mortgage loan for 2 years. This is crazy since it was a mistake that has been rectified by the bank, XXXX XXXX, yet the XXXX remaining credit bureaus, XXXX and Experian refuses to make this correction within the quoted time of XXXX45 days. Why are they not held accountable for fixing this? I need to know what do I have to do to expedite this process. Please HELP!

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 06/16/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The collection company called my cousin which I hardly talk to and told her that they needed to contact me that they where a collection office. So when I called them they told me that I needed to pay I loan I had taken out a few years ago.So I let them know that I could n't that I was n't working that I 'm getting goverment assistance so they told me that if I did n't agree to pay them that they where going to sue me take me to court and I was going to have to pay them more than XXXX and legal fees and since I wasnt working they told me that they where going to take money from my welfare every month until the full amount of XXXX was paid off that if I did n't want that to happen I had to make some agreement to pay them back I told them I did n't have money. I practically felt scare and force to answer them that I would try to get borrow some money if I could so they wo n't sue me and take my government money

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I called Equifax and disputed some old addresses from my report in which on  XXXX   XXXX  got my final response that my dispute was completed. All wrong addresses were deleted. Today  XXXX  I went online to add my current phone number all addresses that was already delete are still showing on my report. This credit bureau is totally messing me up and the process of me buying a home for my children. Their informations are not accurate and they are providing false complete dispute. I expect them to address this issue immediately and update my report accordingly and delete all inquiries that was deleted from another credit bureau. I have attached my document from  XXXX   XXXX  and  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I took out over {$100000.00} for an XXXX degree. This was foolish. I graduated in XXXX, and found a job at a school making around {$16000.00}. For many years I missed payments. Depending on the credit agency you consult, I 've made between 59-65 % of my payments. I am current with my loans as of today. I am making {$32000.00} a year or {$2000.00} a month, and paying a little over {$1000.00} a month in both private and federal loans. After taxes, I 'm effectively making around {$12000.00} a year. Navient, to whom I pay around {$800.00} a month, will not provide another payment option, and I 'm not sure I would want it if they did. If my payments were much less, they would no longer cover the interest accrued that month. Since I took them out, my loans have grown by {$10000.00}. Furthermore, I have no hope of paying this off in less than XXXX years. 

Frankly, if I were to default and Navient and the federal government garnished my wages for the rest of my life, I 'd still end up paying significantly less per month than I do now, at least under Illinois law. 

I admit I was naive to think taking out such enormous loans for a degree in XXXX was a sound investment. But there were hundreds of trained professionals at XXXX XXXX ( now Navient ) who could have decided these loans were predatory and did nothing. No sane individual would think giving someone over {$100000.00} to study XXXX at an unknown private university would ever return reasonable dividends. But I was the first person in my family to go to college, and believed the hype about college as the XXXX to employment and success, when for me, the reality is I would have been much better off without it, or at least this particular degree.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Medical) with R & B Corporation of Virginia (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit corporation is attempting to extort money from me because I am a XXXX XXXX living on a fixed income. The original creditor, XXXX, charged me for services that were never performed. The XXXX XXXX Jail paid the original creditor in full. The original creditor then billed my medicare insurance for services that were not received. Medicare paid the XXXX for the non existence services. This was Medicare fraud. Now the original creditor has turned the collection over to the Credit Control Corporation who is harassing me for {$2000.00}. I did n't sign any paperwork for medical services. Credit control corporation is conspiring with the original creditor to defraud and extort money from me.There is no proof that I owe any money because I did n't sign anything. XXXX. XXXX do n't pay hospital bills, The XXXX Sheriffs Office pays all XXXX medical bills. Collecting money from my Medicare insurance is a felony. Putting negative info on my credit report is extortion. I never received any medical care. I refused treatment. The bill was paid by the XXXX Sheriffs office and Medicare.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation