milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2018 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: Account status incorrect

Complaint: After disputing a collection account on my credit report that shows as " XXXX & XXXX '' for collection agency XXXX XXXX XXXX ( XXXX ), I was advised by the credit bureau that they were able to verify the account as valid and would not remove the account from my credit report. I was advised that I would need to contact the collection agency and request the account be removed from my credit report. On Tuesday XX/XX/XXXX I faxed in a copy of the letter I received from XXXX XXXX XXXX ( XXXX ) which stated they have requested the account be removed from my credit report due to the account being paid in full as of XX/XX/XXXX. Today, XX/XX/XXXX I  called this credit bureau to 1. verify the document I faxed in was received and 2. request the account be removed from my credit report. I spoke with 2 representatives by the name of XXXX and XXXX who both advised me that this credit bureau did in fact receive the document but advised me the account would have to be removed by a supervisor. After waiting on hold for 1 hour and 15 mins, I was transferred to a supervisor by the name of XXXX who first tells me that they never received any documentation. After I explained to him that I have already verified with 2 representatives that they documents, he all of a sudden says he can see the document and place me on hold for another 10 mins to review. After XXXX comes back to the line, he tells me 1. the document is not a letter but a receipt 2. the document is not on the company letterhead and does n't have the company logo, and he refused to remove the account. I am requesting that the document be reviewed again and this account immediately be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 submitted proof to Experian that my loan with XXXX was paid in XX/XX/XXXX. The loan was initiated in XX/XX/XXXX. XXXX continues to provide the wrong information. Over the past two decades, I have received multiple letters from XXXX, and I have copies of my old, paper-version, credit reports. I have proved in multiple ways that my loan was paid. Nevertheless, XXXX is erroneously reporting that I was past due for 60 days in XX/XX/XXXX. You can't pay a bill in XX/XX/XXXX and have it past due in XX/XX/XXXX. I have asked them to correct this, and they are not choosing to do so. Since the credit agency has records revealing that this should not continue to be on report, they have the duty to correct it. I want either XXXX or Experian to be accountable ; preferably, both agencies should work toward greater customer responsiveness and business accuracy. My first bank was XXXX, and I chose to stop banking with them entirely in XX/XX/XXXX because they do not appropriately manage their records. I expect this to be fixed immediately, or I will initiate a lawsuit.

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 12-08-2016 about Debt collection (Medical) with Collection Consultants of California (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have medical Ins and this and my co-payment is XXXX and then people are playing game with my credit and it cost me an apt . any way I filed a bankruptcy in XX/XX/XXXX. I have a bill that was put on my credit in XX/XX/XXXX there is no way that I have a medical be that high ... for a co-payment for XXXX when its only XXXX los t looked back on my credit report and the y put things back on there for a Bankruptcy from XX/XX/XXXX. that not legal. so I am file this with you and if they do n't remove that off my credit I will take them to court for there dirty fraud and harassment. there was a person from this company who called me one day and say if I did n't pay this that they were going to keep calling and get me fired from my job. well my supervisor was sitting there so I gave there the phone and they stop calling and now there calling again.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Mortgage (Conventional home mortgage) with Southwest Business Corporation (CO).
Issue: Struggling to pay mortgage

Complaint: I recently modified my loan and was told the modification included all fees. The bank is now adding on late fees from prior to the modification telling me I am responsible for them. This violates the truth in lending laws. SWBC is the bank that holds my mortgage and that has violated the law. The modification was signed XXXX XXXX,2017.

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 02/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: II  reviewed my credit report and observed Enhanced Recovery conducted an un authorized inquiry to my credit report. I filed a complaint regarding an alleged debt that Enhanced Recovery was trying to collect and Enhanced Recovery withdrew there attempt of trying to collect money I did not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/14/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: DUE XXXX due refusal to disclosed XXXX AS TRUSTEE ADDRESS on Account # XXXX, Property : XXXX XXXX XXXX XXXX, XXXX Fl XXXX. XXXX falsely claiming to be Attorney in Law of supposed investors, base in fraudulent, suspicious, purported assignment mortgage, recorded on XXXX, is requiere under Section 6, The Real Estate Settlement Procedures Act ( RESPA ) to furnished investors information and principal office : To Servicing Bank : XXXX XXXX, UT XXXX Ref. : XXXX XXXX XXXX Acc # XXXX Property : XXXX XXXX XXXX XXXX XXXX Fl XXXX NOTICE TO DISCLOSE XXXX AS TRUSTEE HEADQUARTER ADDRESS AND ITS CEO OR AGENTS The undersigned, pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) request XXXX to produce/disclose the following information : 1. Release XXXX AS TRUSTEE Headquarter Address of the Mortgage Acc # XXXX. 
2. Release XXXX, As Trustee 's representative name, in authority to handle decision/legal action on subject Mortgage signed by XXXX XXXX and XXXX on XXXX XXXX. 
3. Release, but not limited, any assignment officially recorded by XXXX XXXX XXXX to XXXX or any other institution, previous of the purported one recorded on XXXX by crooked and disbarred lawyer XXXX XXXX and Bank of America. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) XXXX as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

XXXX, Fl 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 04-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent in a multiple inquiry removal letter on XX/XX/2017 in regards to XXXX hard inquires that are being reported on my credit report, they received the letter ( certified ) on XX/XX/2017 and they completed the request on XX/XX/2017. The XXXX hard inquires are not factual and I received the same response for ALL inquires, which was " Inquires are a factual record of file access. If you believe this was unauthorized, please contact creditor. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states, that any information can be disputed and MUST be investigated. The fact that it took 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. Therefore I 'm submitting this complaint due to lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything.

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 07/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MS).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: On XX/XX/XXXX-17 I received a letter dated XX/XX/XXXX-17 informing me Discover increased my credit line to XXXX. I Did Not request this. I also do not want this to affect my credit score. I contacted the company and after 25 minutes got no where. Please help they have very poor customer service. Why would they increase my limit without my consent. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a collections letter from Credit Collection Services on XXXX/XXXX/XXXX stating that I owed an overdue debt in the amount of {$210.00} for a XXXX XXXX account. I immediately disputed the debt in writing on XXXX/XXXX/XXXX. This item is on my credit report as a negative item and is preventing me from purchasing a house. I do not have any knowledge of this account, never received any prior documentation, nor have I ever had any services by XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Account opening, closing, or management

Complaint: I tried the CHRCK STATUS above. The page says welcome XXXX XXXX and nothing else happens. 
I would like to check the status on my complaint XXXX. Citizens Bank has never provided proof of their actions which they promised me months ago. I since checked with XXXX Child Support Agency. The state of XXXX never properly filed for a Multi State Levy in XXXX to take such action. That 's because no such court pay order exists. I just want my money back. 
ThanksXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Student loan (Non-federal student loan) with Genesis Lending (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX College : XXXX XXXX, PA XXXX failed to make the extremely high interest rates of Genesis Lending Services, that I was not told they would be that high. I was threatened multiple times to lose my loans and be kicked out of the school, since I could not afford the interest rates that you have to pay while you are enrolled in school.The financial department at XXXX ( XXXX, PA ) honestly told us nothing about the lending service. Next thing I knew I was receiving $ XXXX {$200.00} interest payments while I was going to school. The school did not help me with finding a job nor did I receive a rent and living check. I had to rely on borrowing the money from the people in my family who do n't have the money to spare. I got told XXXX times by XXXX and a few calls from Genesis that if I did not make my payments I would lose my loans and be forced to drop/be kicked out of the school.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: Wells Fargo is refusing to honor its recent agreement with the CFPB. I submitted a claim to Wells Fargo on XX/XX/XXXX for {$24.00} in fraudulent service fees ( letter attached ). Wells Fargo refused to refund the service fees ( XX/XX/XXXX attached ). Their reason was they were not notified within 30 days. I had sent them written PROOF with my XX/XX/XXXX letter that I notified them within 30 days. They just ignored it. The PROOF is attached. Service fee XX/XX/XXXX. My WRITTEN complaint attached is XX/XX/XXXX THIS IS WITHIN 30 DAYS!!! Please get Wells Fargo to stop ignoring written proof that they were notified within 30 days. They are a corrupt bank and will make up any lie to avoid paying back the customers. In my opinion, the Wells Fargo employee should named XXXX should be investigated by the Department of Justice and sent to JAIL ( along with ex President of Wells Fargo XXXX ) for being a part of this SCAM!!! Wells Fargo opened a type of account I did not want. I was told no service fees. Here is their SCAM : since I did not use my debit card for 6 months they cancelled it and started charging service fees because I then did not have 3 linked accounts. Then they refused to refund the fees even though they were notified IN WRITING WITHIN 30 days. This is a deceptive business practice and a complete SCAM designed for Wells Fargo to make money off customers collecting service fees that they caused to occur. When I opened this account, this trick of Wells Fargo being able to cancel a card and then my owing service fees was never disclosed. According to what I read about the CFPB fine for Wells Fargo, customers who received types of accounts they did not want are entitled to a refund of the service fees. Wells Fargo is still refusing to refund the service fees and ignoring its agreement with the CPPB. They owe me {$24.00}.

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 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: To Whom  It May Con cern : I have disputed my credit report due to incorrect information. After that happened, I been not able to get my credit report to me. They have made it harder for me to reque st one. Before, t his never happened to me. Also, my name, telephone and address are incorrect. I have disputed that before and they completely ignore it. That is what is happening to me and I am getting   XXXX   tire of it. Therefore, I need the CFPB to help me and be ON MY SIDE!!!

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 08-03-2015 about Payday loan () with CASHCALL, INC. (CA).
Issue: Charged bank acct wrong day or amt

Complaint: First Cash Call never ever thoroughly explained my interest rate nor explained to me how long it would take for me to pay it back. I fully remember when I took the XXXX loan, the rep told me it would be XXXX a mth and for me to do the math and figure out how long it would take. I took it out in XXXX, have paid it every month on time and today I noticed I still owe XXXX. I asked them how is this possible, and they responded with I should have read the contract with XXXX of their reps. I was deceived and taken advantage of by that first phone call with them. I asked questions but they have lied since that day one call I placed to them. Secondly, I asked they take the $ money out on the XXXX, but no, since XXXX they 've been taking the money out on the XXXX. I called and spoke to them on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, and today, all for the same reasons to please do not take money out til the XXXX and they have ignored my every request. Today I called my bank to put a stop payment on these jerks, and if I do decide to pay them back I will on my own terms, but having been lied to, deceived, and taken advantage of, I 'm leaning on never giving them a dime again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Case number : XXXX recently submitted a complaint about Bank of America in regard to my mortgage loan. I received a phone call from Bank of America when I was at work and when I was explaining to the lady that she can call me after XXXX EST, she said her office hours were until XXXX, pacific time, and that she could not call me and started threaten me to take some exaction. I interrupted her to explain my situation, but she hung up the phone on me before I finished explaining. As far as I know, she could call me when I was at home because she would still be working when I get back home. I ca n't provide security information on the phone form my job because I do n't have a private office. In less than a week I have received XXXX letters concerning the foreclosure issue, which in my dictionary that constitute harassment. 

I still receiving letters every day about foreclosure when my account is up to date. I just posted my current month payment from my bank because I ca n't even access my Bank of America account online to see any information at all. 

Then bank has closed any accessibility I have to my mortgage and is harassing me, and threatening me of losing my house which I am not going to take lightly. I ask this agency to please help me regain my peace of mind, taking care of this nasty corporation that does not help clients at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/13/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was already paid. Have n't heard anything back from collection company therefore concerned for my personal information and wrongful reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive calls for a debt that I do not recognize and do not think is mine. When I ask on the phone for more information on the debt, for example origin, amount, or name and address of the collection agency on the phone with me, I am stone walled. When I ask for written proof of the debt, I have received nothing. 

But these calls persist. Every few months there will be a flurry of activity and calls, then it will go silent. This has been going on for about 8 years now. Ca n't I make these calls stop?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Bank account or service (Savings account) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I am stating my upmost disgust for American Express Bank FSB. 
This company is ran by crooks and should be shut down. I recently had my Savings account closed for reasons unknown to me. I called and asked why, but they refused to tell me why my account was closed. I asked them what would happen to my XXXX dollars I had in the account, for which they also refused to give me an answer. This company has a plan to steal peoples hard earned money and they are getting away with it. I dont know what to do about my money but people need to be aware of American express savings shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX & XX/XX/XXXX I sent letters to all three credit bureaus asking for them to investigate multiple fraudulent accounts on my credit reports as I have been a victim of identity theft. In addition, I sent them a copy of my police report from when this theft initially occured to verify my statement. These accounts show different addresses other than my own where I have resided as well as different social security numbers other than my own, I am aware of this information because when I called these companies myself they were unable to verify me by the information that I give which is my natural information ( D.O.B and or Social Security Number or Address ) other than my name. They would say that this is not the information that they have on file and say that they can not discuss the account with me yet these accounts appear on my reports. 
The only thing that has been done is the police report has been uploaded to my file and nothing else. No investingation, no accounts have been removed. These accounts are effecting my credit score tremendously and my letters are being completely ignored. Not to mention that they also have an old tax lien on my report that has been settled for sometime that I also sent them documentation of. My credit report is not locked as it should be ( with the exception of Equifax and that was due to their data breach and not my police report and identity theft ), when I speak to the representantives about this feature they say that I am not eligible for it unless I pay for it. When I know that I am because I was told previously that I needed to have a police report on file to qualify ( XXXX ). 
They continue to re-report these same accounts overwhich is continually effecting my score in a negative way. So I am now constantly being victimized except now this time by the Credit Bureaus as well as the people who stole and sold my identity.

Company response to consumer: Closed with non-monetary relief