milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2017 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a letter to Progressive Managment Systems to validate this debt and to also see any HIPAA authorization forms. This company failed to properly validate this debt or send me any HIPAA authorization forms. They also disclosed personal medical information that was not authorized by me. I never had any contract with this collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Problem with fraud alerts or security freezes

Complaint: I 'm trying to buy a home in the area I just moved to 6 months ago with my family. My credit score is excellent for XXXX, XXXX and equifax. I always keep my credit reports locked. I am able to unlock both my XXXX and XXXX report, however, I am not able to unlock my equifax credit report. This is blocking me from getting a new home loan. I 've called number after number from equifax, however, nobody will respond. 

XXXX XXXX XXXX XXXX This is effectively locking me out of the credit market and not allowing me to buy a home because all conventional loans require a 3 credit report review. Help! 

Equifax needs to be able to unlock my credit report so I can get a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Upon checking my credit report the following accounts have been removed from my credit report but the credit bureaus have not removed them :   XXXX   XXXX   for {$370.00} and {$560.00} were removed  XXXX / XXXX / XXXX   XXXX   (    XXXX   XXXX   ) for {$200.00} was removed  XXXX / XXXX / XXXX  and  XXXX   XXXX   XXXX  for  XXXX  {$500.00} was removed  XXXX / XXXX / XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have attached Equifax 's response to my complaint filed with CFPB.Gov XX/XX/2014 regarding XXXX XXXX XXXX, and you will see in the attached documentation Equifax deleted the account from my credit file after their investigation, however they have now improperly reinserted it. Equifax has violated the FCRA by reinserting this account improperly. No notice was ever sent to me to tell me they had any intentions on reinserting the fraudulent information as they are required to do as a matter of law. The account number for XXXX XXXX XXXX is XXXX and you will find they have improperly reinserted this. <P/>I am providing Equifax 's original response stating they deleted the account to prove this is an improper reinsertion. I have contacted Equifax by phone, fax and certified mail to have this corrected and removed from my credit file, but Equifax refuses to remove this improperly reinserted informaiton.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Mortgage (Reverse mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We feel terribly violated and defrauded by Bank of America , N.A . on my parents REVERSE MORTGAGE whom have past away, I am the Executor to their Estate and the Promises made to my parents upon obtaining a Reverse Mortgage was Sadly Misleading, and Now I have family members with XXXX School age Minor Children with Fear of being Evicted despite doing everything according to the, REVERSE MORTGAGE SOLUTIONS and XXXX XXXX XXXX, Hired by Bank of America have shown to be Bullies and using intimidating language, Refusing to Allow us to Sell my Parents home by refusing, Offers of Purchase and Stalling the process by Numerous Motions, and Unfortunate Probate Delays, despite repeating attempts to accept Real-estate Offers, I have kept in close contact with Bank of America 's Attorney, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, XXXX XXXX County Court House, I have email threads providing a timeline of these failures, despite speaking out. I 'm XXXX and was unable to hire an Attorney doing everything myself, I was Offered a " Cash for Keys '' agreement by XXXX XXXX XXXX, XXXX that was then resended by THEM with no further explanation, with NO RELOCATION ASSISTENANCE for the family members left in the house. I find this REVERSE MORTGAGE of our aging parents, Nothing more than a SCAM, that once discovered, there is nothing you can do the victims are deceased, and the family is left with the burden. In my case my parents were longtime Bank of America customers and they TRUSTED them, BUT we could of never imagined this would be the outcome my parents expected and as the Executor of the Estate we were informed Bank of America has Mortgage Insurance Premiums, covering the mortgage upon there death, that I 'm sure they long collected. My pleas is to Bank of America , N.A . to do the right thing and Offer RELOCATION ASSISTANCE, of {$3500.00} to my family or ALLOW us to SELL the property we were entitled to do according to there agreement with my parents. Any further information you may need please feel free to contact 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 02-06-2018 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: InXX/XX/XXXX I spoke to someone with XXXX XXXX  about the end of the lease payment inXX/XX/XXXX and XX/XX/XXXX that the total should not be XXXX 
It should've been the total XXXX I was told they would check into it and get back to me but they did not do so.

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 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I demanded that the following accounts be removed from my credit report : XXXX XXXX XXXX XXXX  Account # XXXX  XXXX XXXX  Account # XXXX XXXX XXXX  Account # 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 02/24/2016 about Debt collection (Credit card) with Legal Recovery Law Offices, Inc (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX XXXX XXXX is the attorney representing XXXX XXXX, who has sued XXXX XXXX.over debt collection.The suit was filed XX/XX/XXXX.XXXX was not aware that the suit has escalated to the point of a bank levy, which was withdrawn from XXXX 's bank account out in XXXX 2015 without prior notification.the levy included the amount owed, interest, attorney & court fee, the total amount being sued is almost double the amount owed. Since the withdrawal of the levy in XXXX 2015, XXXX has attempting to contact XXXX with the assistance of my daughter, XXXX XXXX, in the hopes of resolving the case. XXXX ca n't reached directly through the number provided.Representative of his firm answers the phone and the representative explicitly states that they ca n't provide a number to which he can directly be reached.They ca n't put in such request giving the reason that XXXX are very busy or out the office.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Credit card debt) with DISCOVER BANK (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Due to the 15 plus years of computer hacking, Computer errors, with drawing funds out of my bank, trying to transfer money for my other credit card by Discovery Bank, I am now being treated for XXXX XXXX XXXX by the VA hospital. I have forgotten that Discovery took money out of my bank with out my authority almost causing me to bunch checks. And trying to transfer money with out my authority from my other credit cards. Telling me that the will have me jail if I do not pay them what they say. And now because I stop paying the illegal charges, over drawing, late fees transfer fees and others they are taking me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Consumer Loan (Installment loan) with Consumer Financial Services (IL).
Issue: Taking out the loan or lease

Complaint: On XXXX/XXXX/XXXX I got notice of a new hard inquiry on my credit report. I checked & it was from XXXX XXXX in XXXX. I called them to inquire & the young lady told me over the phone ( after verifying my social & name & address ) that it was regarding the personal loan I took out in XXXX XXXX. I have not applied for any loans nor have I stepped foot in this place since XX/XX/XXXX, when I had a auto loan with them. Since XX/XX/XXXX everything has been closed. So I began to ask question & asked to speak to the manager. The manager XXXX reputedly hung up on me when I asked questions & said speak to my lawyer but would not give me his lawyers info. Now every time I call they hang up on me when I identify myself.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Twelve months ago, a representative of Bank of America informed me that I owed {$660.00} on my credit card with the {$500.00} limit. 

At her recommendation, I allowed her to post-date twelve {$60.00} checks to be withdrawn on the fourth Wednesday of every month which is when my Social Security check was direct-deposited. 

I thought all checks had been cleared but learned in a telephone communique today, XX/XX/2018, with XXXX XXXX of Bank of America, that the last check had been returned. 

However, I still paid a total of {$660.00} on a {$660.00} bill. But, according to XXXX XXXX, I still owe them {$200.00}, which they promptly reported to all three credit bureaus. Apparently, they continued to assess late fees even though I was paying regularly. 

This is ludicrous. I did not try to avoid paying this bill. I have never avoided my financial responsibilities. And now, at XXXX, when I am barely surviving on Social Security, Bank of America is trying to get blood from a turnip. Unfortunately, the poor, elderly and disenfranchised are easy targets and today 's financial institutions have no scruples. 

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 explanation
Consumer complaint received 08/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CO).
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: I transferred a {$7000.00} balance from American Express to a credit card with my personal bank, XXXX. This was initiated on X/XX/2017. The balance did not appear on my statement for over a month, so my bank issued a stop payment and a new check. American Express stamped the check for deposit only on X/XX/2017. American Express says there was a stop payment issued on that check 8 DAYS AFTER CASHING. Not only is it not possible to reverse cashing of a check more than a week later, but my bank says they never issued a stop payment on this cashed check, check # XXXX. They issued a stop payment on the previous check sent which supposedly never made it to Amex because it was the wrong address. I have filed 4 disputes with Amex and had 4 conference calls with my bank representative and alternating Amex representatives. XXXX is now keeping me in regular communication with their Executive Client Relation Manager : XXXX XXXX. I have made over 30 calls to Amex and my bank each in the last 8 months. XXXX ( sp? ) in the Billing/Payment department at Amex was handling my case for a period of time recently, but again every time the dispute is investigated there is not much digging done and they come back saying the stop payment returned the check. I am now being held responsible for this balance with both institutions. My credit report is dropping rapidly since it shows I have 2 credit cards maxed out. I am also not capable of paying both of the minimums on these cards while they 're both showing the balance, so I have to not pay my Amex bill which will send me to collections and destroy the remaining credit score that I have. PLEASE, I AM DESPERATE FOR HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Previously disputed bankruptcy reporting on credit file several times. I sent a validation letter asking for the person that verified information through clerks office but received no response back. I also contacted XXXX XXXX whom a rep by the name XXXX XXXX at (XXXX) XXXX who explained that a bankruptcy was not showing on her end. I also received a letter from XXXX stating the timeframe required that the bankruptcy could not be verified accurately after a re investigation.

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 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Receivables Performance Management, LLC (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On my XXXX credit report there are XXXX accounts with XXXX XXXX under XXXX different agencies. XXXX agency is XXXX XXXX with XXXX XXXX for XXXX and the second creditor receivables management for XXXX. These XXXX creditors are reporting the same account with XXXX XXXX. According to my credit report it was supposed to have been removed on XXXX XXXX. Now it 's reported on my XXXX report XXXX. It 's also on my XXXX report under XXXX XXXX for XXXX and XXXX report under XXXX XXXX for XXXX. This account was supposed to had been removed and now keeps appearing.

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 08/25/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Other

Complaint: There is a Care Credit ( Synchrony Bank/GE Capital ) settlement agreement and the number on the form,XXXX goes to an automated voicemail saying that the resolutions will be completed by end of XXXX quarter 2015. We are now in XXXX quarter of 2015. No one is available to speak with me regarding my claim. The post card I received in the mail was very vague and said I " may '' get a refund check but, did not clarify the exact status of my claim. There is not another contact number or address that I can find. I feel they are not communicating properly about the agreed upon claims.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit card () with AMERICAN EXPRESS COMPANY (KS).
Issue: Arbitration

Complaint: I requested a mediator from American Express XXXX months ago regarding them removing XXXX points from my account, unlawfully and against their own terms and conditions. 
I have not been granted a mediator, and I am considering taking personal legal action. 

I expect a mediator to review my account and the paper claim I submitted to you guys 2 months ago. I expect this to happen in an appropriate timeframe and I expect a call back from someone on this letting me know that the mediator is working on it and a realistic timeframe. Keep in mind I have already been waiting 2 months. this is unacceptable. I used to love my relationship with amex but this has been horrible. You guys are treating me just awful and not even granting me a mediator even though I followed the steps. Please do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: This company stated that I would not be charged anything if I turned the car in ... I advised them that I was having financial problems and wanted to know what I can do because I could not afford the payments any more ... .they said that I could turn the car in and it would be a voluntarily surrender. now they are saying that i owe them extra funds on the vehicle.I told them to knock on my door and I would give them the keys ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: fraudulent account / too many inquiries.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent a debt validation letter to Erc in regards to a debt that appears on my credit report. i have no knowledge of this debt and i do not owe, its been 40 days since they received my letter & I have not received a response in reguards to my validation request. I want this debt deleted from my credit reports as a final resolution due to noncompliance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Problems caused by my funds being low

Complaint: My bank charged me an overdraft fee which was n't warranted

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MS).
Issue: Identity theft / Fraud / Embezzlement

Complaint: While on XXXX an American Express card was cloned. 
Part of an identity theft. I tried to work with Amex they refused to assist. On a weekly basis my bank pays Amex. Amex refuses to speak to me. They say there is a collection agency handling. I have never received anything in writing from anyone other than Amex after the fact saying the account was closed. After I complained that my credit report was not reflecting my payments in accordance with Amex 's agreement Amex charged off the card. Essentially, they accepted a plan due to the complex situation and then acted as if it never was agreed. I 'm continuing to do exactly as agreed. Amex receives money weekly, but I can not log in and have no proof other than I get a balance email from Amex. I 've written over and over and called Amex over and over they refuse to speak with me. The only organization worse is XXXX that essentially did the same thing minus the charge off. Every 6 months a person from the collection agency will call and try to get me to pay a lesser amount and " close the account ''. Today they called offering me another Amex card if I paid off the {$1700.00} or so owed. I 've paid over {$3000.00} just as agreed. However, this alleged collection agency will not send anything in writing. On my credit reports it shows no payments being made. I really do n't know what to do other than to keep sending weekly payments to Amex as agreed. It 's the honorable thing to do. This fraud situation has destroyed our lives. We have no rights these banks can do whatever they want. If you think it can not happen to you I am living proof that is not true. So we will keep paying just as we promised Amex until we execute our agreement with Amex. I 've filed a congressional investigation seeking to expose Amex and the puppet credit bureaus that are tools keeping people enslaved to debt. I know nothing will happen, but the offer of a " new '' card today was more than I can take. We just keep paying just as agreed. Just look at the date closed and date charged off. We never missed a payment. Amex just got angry that I filed a dispute as my payments were not showing up and punished me by charging off the card. Vindictive hubris. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Complaint against Nationstar Mortgage LLC, in its continued " misconduct '' ... against its illegal attempt to take our home..for its undue enrichment. 

Please find attached. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Prepaid card (Mobile wallet) with INCOMM HOLDINGS INC. (NY).
Issue: Fraud or scam

Complaint: I purchased a {$500.00} XXXX prepaid card issued by ITC Financial. The card was destroyed and I have requested a refund or replacement. I have been told that such request is not possible. I do not find this acceptable as I have the number for the card, the original purchase receipt and can confirm that as I know for a fact it was destroyed it has not been otherwise used or claimed.

Company response to consumer: Closed with explanation