milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I tried to dispute this error with XXXX and Equifax but they keep shutting my down online with statements about getting a credit report but they wo n't issue it online. The problem lies with the credit reporting agencies ( CRAs ) allowing a junk debt buyer to report accounts under the regular account column versus in the collection account column. There have been numerous complaints about the CRAs and XXXX XXXX XXXX doing this. I just checked my report that I obtained from another source and They are still reporting as a factoring company instead of a junk debt buyer. This has taken a tremendous hit on my credit scores by them reporting this way and I have been denied credit opportunities as a result. The CRAs will not stop them and do not thouroughly investigate the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian refused to take or remove an account from my credit. I received a letter stating that it was not removed but did not find out why. I am disputing this because the XXXX account number ( Partial number ) XXXX would not take my money for payment I went in to pay on my bill but they would not accept the money because it was a partial payment and that was all I had. I spoke with the manage and he gave me the run around and spoke very bad to me. I did not know what else to do I. never got resolved with this store now they place it on my account on credit report and added a lots of extra fees on top of the original bill never going to collection to my knowledge. I informed Experian and nothing has been done to resolve this matter. please help me regarding this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Consumer Loan (Installment loan) with Acceptance Solutions Group, INC (TX).
Issue: Managing the loan or lease

Complaint: I took out a installment loan with the understanding that I would pay it back early to avoid the ridiculous interest payments which in total would be 3 times the amount borrowed. I tried contacting the company on several occasions but was unable to reach someone. one person who calls himself a supervisor spoke with me and I was told I could not pay loan off early. This company is a total ripoff and there is no way I would have taken the loan with the intention o repaying 3 times the amount borrowed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: I have been trying since XXXX to get XXXX hard inquiries removed from my credit report from Capital One Bank. I did not authorize my credit to be ran for any account. I contacted Capital One on XX/XX/XXXX and spoke with the fraud department. I was told that yes a business account had been opened up in my name but has since been moved into the correct persons name. I asked how this was possible. I was told it looks like a mistake. I let her know that it is showing XXXX hard inquires on my credit reports and needs to be removed. She assured me this would be taken care of and she would mail me out the updated information for my records. Now fast-forward to today XXXX/XXXX/17. I still have not received anything from Capital One stating anything. I 've tried over and over again to call and get some help. All i 'm being told is they do not show an account in my name. Last week while still working on to repair my credit I received a report from XXXX and it 's XXXX addresses listed that are not mine. They show addresses out of XXXX but I live in XXXX I 've never lived in XXXX. I called XXXX and spoke with a rep who worked with me on finding out what was attached to that address. Come to find out the Capital One inquiries where from that address. The rep then issued a fraud alert on all XXXX credit bureaus. Because of the fraudulent activity I was able to remove the inquires from XXXX but I 'm not able to with XXXX and XXXX because those addresses never showed up on those reports. I need this removed. It is negatively affecting my credit score. I have never had an account with Capital One and after numerous calls weekly no one has been able to help get these removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dish company has tried to collect a debt I do not owe. Dish turned me into collection agency early last year and after I provided all documentation the collection agency at that time removed me from the debt. This was removed in XXXX XXXX. Now a XXXX collection agency is trying to collect this " so called '' debt again. It is possible for you to look at the XXXX main credit card reporting companies to review my case. I thought when this was removed from my report that year I was done with this case, Some of the paperwork or documentation I no longer have as I did n't think I would need. Can I bring legal action against the XXXX XXXX for trying to ruin my credit. If you look at my credit reports you will see I have excellent credit. Also the collection agency XXXX has now gone through did n't even bother to send me a letter or any correspondence that this was going on my credit report. The balance XXXX say I owe is {$430.00} which is very much not correct. This case started back in XXXX of XXXX. Please advise what to do. This is so wrong what I have been through with this company. Would love to expose this company for their rotten tactics. Please advise. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: An unidentified vendor has been charging my checking account {XXXX}, every week since XXXX/XXXX/XXXX. I have n't been able been able to identify who the vendor is. On my Bank of America checking account, it just says the following : XXXX ( 4-digit date, i.e. " XXXX '' ) Social Payments XXXX CA ( transaction number, i.e. " XXXX '' ) Please help! I thought this might be for social media, but it does n't appear to be connected to any of the other accounts I currently pay for ( like XXXX or XXXX ). 

Thanks for any help you can provide.

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 07-10-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Struggling to pay mortgage

Complaint: IN PLAIN SIGHT, BANK OF AMERICA PLACED ITS NAME AS LENDER IN PLACE OF XXXX XXXX XXXX ON A IN-HOUSE MODIFICATION ON A MORTGAGE LOAN BANK OF AMERICA NEVER FINANCED Although, XXXX XXXX XXXX was the original lender on my loan XXXX XXXX XXXX went bankrupt and this is where Bank of Americas corruption begins. In plain sight, Bank of America has committed one of the biggest schemes of all time. Bank of America has no standing on our loan and Bank of America was never the lender on our loan. The Chain of Title is broken and the chain of title was never maintained and preserved through the use of formal written documents on our mortgage loan proving Bank of America never financed our loan. Bank of America never bought out our loan. Bank of America never bought out our loan and transferred title. Bank of America placed its name as LENDER on a mortgage loan that Bank of America never ever financed, refinanced, transferred or bought out from another lender. In plain sight, Bank of America placed its name as lender in place of XXXX XXXX XXXX on a In-House modification. Upon requesting Bank of America to correct the In-House modification documents and remove Bank of America as Lender and replace their name with the correct lender, Bank of America tried to do a short sale without our permission and then Bank of America transferred our loan to XXXX XXXX XXXX XXXX in an attempt to cover up wrong doing. A investigation of all consumers who received Bank of America In-House modifications and meet conditions A through G listed below will result in a class action law suit against Bank of America on behalf of all mortgage loans that originated with XXXX XXXX XXXX and meets the following conditions : A ) Firstly, mortgage loan was financed by XXXX XXXX XXXX.
B ) Secondly, mortgage loan was serviced by XXXX XXXX.
C ) Thirdly, mortgage loan was serviced by Bank of America.
D ) Fourthly, Bank of America denied mortgage for a Hamp Modification.
E ) Fifthly, Bank of America did a In-House Modification.
F ) Sixthly, Bank of America put its name in place of XXXX XXXX XXXX as lender on In-House Modification documents.
G ) Seventhly, Bank of America transferred Loan to XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: On XX/XX/XXXX I was told by salesman and his supervisor that I would get full value on my trade-in and told them I was only interested in trading in my XXXX XXXX XXXX if they could pay off the full amount of my remaining loan of {$11000.00}. They said yes, and I proceeded to purchase my XXXX XXXX XXXX from them. However, upon inspecting my bill of sale it is clear they only valued my trade-in at {$10000.00} and rolled the remaining {$1900.00} into the new vehicle loan. This was not pointed out at the time of sale and I did n't notice it until reviewing all the paperwork months later.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (I do not know) with Adler Wallach & Associates, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that AWA Collections provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I do n't no who did this the amount is {$960.00} its not mine

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD).
Issue: Other transaction issues

Complaint: For the past years, I have been using 'MoneyGram online transfer '' to send money to relative abroad. My transactions are random and less than {$1000.00}. I registered my banks accounts with Money gram and the monies are withdrawn from my banks to cover the transactions. Last month, when triying to process a {$94.00} transaction, I got denied that my bank information could not be validated. I called MoneyGram, and was informed that " XXXX '', a third party which safegaurd online transaction needed to validate my information. I called XXXX, provided them with all my accounts information. Was told that it will take a week to update system. Three weeks later, I encountered the same issues. A call to XXXX left me suspect that they have no clues of what is to be approved by their system. They were unable to trace my past moneygram transactions. I have the impression that they wanted to decide when I would send/spend my hard earned money through their service. What is all this about? Who really monitor XXXX??

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Attempting to work a short sale for my property with Wells Fargo XXXX WF XXXX. Filed previous complaint XXXX case number XXXX ) and WF response was, " Be advised that when it 's been determined an account is eligible for a short sale and a signed offer is received, an appraisal or Broker 's Price Opinion is ordered. We 'll then research and review the offer. After all required information and approvals are received ; the short sale decision will be communicated to you within 30 days. " We have had a contract since XXXX 2015, WF just keeps asking for bank statements, then they say I do n't qualify, that I can afford the payments, now they say the offer is too low but will not respond with a price range of what the offer should be. 

The issue is, that I ca n't sell the house for what I owe on it, which I am told is considered a Short Sale. WF does not seem to use the same definition though. The current buyer has been waiting for 5.5 months. WF has stretched this contract out until XXXX. I am going to lose this buyer too because of WF 's stalling tactics. 

We have provided all documents requested within 1 business day in every instance. If WF has a different definition of a short sale, then they should have stated it up front and never let this go on this long. We have been up front and honest with them all the way. 

I was paying the mortgage up until XXXX. I was told at that time, that they could n't even consider a short sale unless I was 31 days late. If I ca n't sell my house for what I owe on it, why does it matter if I am paying the mortgage or not?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Bank account or service (Checking account) with BANK OF THE WEST (CA).
Issue: Making/receiving payments, sending money

Complaint: My bank this morning dispersed $ XXXX.from my bank account, without my permission. They made a {$2500.00}. wire transfer payment on a bill with a balance of {$150.00}. 
The recipient/XXXX knew the payment was in error and has voided the check.Bank of the West Type to enter text is doing nothing to restore that money to my bank account, leaving me overdrawn several thousand dollars! After many hours investigating what could possibly have happened, I believe was caused by an error Bank of the West processing center. 
The Bank is doing nothing to help me even though I notified them at XXXX of the problem. 
Their Customer Service keeps wanting to make it my fault! 
My account is now overdrawn several thousand dollars and I can not pay my bills withdraw any money!. 
Type to enter text

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 12/25/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD).
Issue: Fraud or scam

Complaint: Hello I sent funds to 2 separate people using money gram because money gram can be tracked and returned if reported as fraud because identification is required. One was for XXXX dollars the other for XXXX on the Friday XXXX XXXX 2017 As well I sent XXXX through cash app which Garuntees safety and security of your funds. Im still dealing with them and hopefully they can resolve but want to make you aware ahead of time. moneygram will not cooperate in the return of funds yes they were picked up but you need identification to pick up I have partial info for sending of payment but they have full info to report to police which I need or they need to do. Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: My data was affected as part of the Equifax data breach. I signed up for TrustedID from Equifax on XXXX. Today is XXXX and I received the sign-up email from Equifax last week, but their website has been down/broken. The sign-up email says " You have already signed up for TrustedID and this link is no longer valid. '' However I never signed up for this service - the link never worked for me. The website www.trustedID.com is down and has been for days. In the random moments the website goes live, I try to request my password ( I never created one, but it says I have an account, so I figured I could try it?! ) and the website just times out and then crashes. 

This is wholly inadequate. Equifax should be fined and censured for their callous attention to basic security practices which can affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage grossly and negligently estimated my escrow amount over the past few years and ended up with a shortage of nearly {$2000.00}. They now want me to pay in full for their inept skills, increasing my total monthly mortgage payment by nearly {$250.00} and adding a tremendous hardship. Freedom Mortgage is now demanding this additional payment under threat of reporting me to the credit bureaus and charging late fees. Their use of position and authority to try and intimidate me is both discouraging and serves as one of the many reasons for this complaint. If this information is published publicly, please let this serve as a warning : Freedom Mortgage deals dirty. 

Also worth noting is their sudden insistence ( at the same time of this so-called " escrow shortage '' ) to refinance my home or else take out an equity line. I believe they are using this " shortage '' as leverage to fish for more business.

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 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: In XXXX XXXX, I closed an account held with Barclays Bank, XXXX XXXX XXXX and paid it in full in the amount of {$1200.00}, in order to open another account with the same company that had better rewards benefits. This was done on the recommendation of a XXXX employee. Barclays later misapplied the payment to the new account, leaving a balance on the old account. The payment was transferred between accounts numerous times. In XXXX XXXX, the transfer by XXXX also created a charge in one of the accounts -- it was taken into a debt status rather than simply being returned to a XXXX balance. I paid for all purchases on both accounts. I have provided proof of these payments to Barclays not once, but twice. But, the payment of {$1200.00} is not being credited correctly, and each month interest charges and late fees accrued on both accounts. The balance is now some {$22.00} on one account and over {$1400.00} in the other. I owe the credit card company no money. Over the course of these transfers, I have at least nine times complained to customer service representatives and in writing to Payment Research. They send back form letters that the complaint is resolved, yet all that has happened is the payment has been moved to the other account and the false charge placed on the account by Barclays in XXXX has not been removed. I have excellent credit and do not want this event to negatively impact it at all. Barclays has placed an impossible burden on me to resolve a mistake it introduced. 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 monetary relief
Consumer complaint received 02-01-2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have contacted equifax credit collection agency four times regarding this issue and disputed it. They refuse to remove in the comment sections, " consumer disputes, reinvestigation in progress ''. There are XXXX entries from XXXX and XXXX entries from XXXX XXXX XXXX. I am trying to get an FHA mortgage and close on a loan in 2 weeks. Their guidelines state I ca n't have any open disputes on my credit report. These XXXX creditor have XXXX entries together. I have not done business with these creditors since 2011. My loans were transferred or sold by them to another lender. I just need the words " consumer disputes, reinvestigation in progress '' Please have them remove them asap so I can get my home loan. I do n't want to lose a home I really want to own. I have a really good credit score. When I call equifax I get someone in XXXX. They ca n't understand what I say. Please help me. I have attached the XXXX entries. Please see what I am looking at in the comments section.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I had requested a free credit report. I was unable to receive the report at the time of the request. I believe this may have been due to a lock on my wife 's credit, but I can not be sure. I only know that I received a message indicating a problem and that I needed to call. I was not able to call for several weeks, at which time I was informed that the report I had requested was expired and would have to wait a year to receive another XXXX. Unfortunately, I had requested a separate report from each agency and found the same result. I still have not received a report from any of the agencies and can not receive a free XXXX for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Overlimit fee

Complaint: I have paid Kohls credit card on time every month with my online pymnt scheduled out monthly, I was only using the card to build credit. Never leaving a high balance for any length of time, I will pay at least minimum with online banking, somehow the are showing me as 128 % utilization which is hurting my credit score! How can I be that much over when its paid monthly through banking plus me adding payments to keep this low..This being the second month they screwed up, I called Kohls and they told me they will not help me..until XXXX XXXX.Im trying to buy a house, this is hurting me! good bye kohls..

Company response to consumer: Closed with explanation